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Allianz Ernst

Insurance, Germany, Bavaria, Munich

Allianz Ernst provides comprehensive insurance and financial solutions, with a focus on personalized service and risk management expertise that sets us apart.

About Allianz Ernst

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
Germany, Bavaria, Munich
Official Website
http://www.allianz-ernst.de
Location Address Official Phone Email
Germany, Bavaria, Munich Germany, Bavaria, Munich **** ****
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FAQs – Allianz Ernst

Does travel medical insurance cover pregnancy-related emergencies?

Most standard policies exclude routine pregnancy care but may cover unexpected complications or emergencies. Some plans offer additional maternity coverage, but travelers should check exclusions and conditions before purchasing a policy.


How does treaty reinsurance work?

Treaty reinsurance works by setting up a contract in which the primary insurer transfers part of its risk to a reinsurer for all or a portion of its portfolio. The reinsurer agrees to cover specified losses under certain conditions. The insurer typically pays a premium for the coverage, and in return, the reinsurer assumes responsibility for a set percentage of the claims that fall within the treaty's terms.


Who needs liability insurance?

Businesses, professionals, property owners, drivers, and individuals in high-risk activities need liability insurance to protect against legal claims.


What are securities laws, and why are they important?

Securities laws regulate financial markets, ensuring transparency, preventing fraud, and protecting investors. Agencies like the SEC enforce these laws, requiring companies to disclose financial information and follow trading regulations.


Why is insurable interest important in insurance?

Insurable interest prevents moral hazard and fraud by ensuring the policyholder has a legitimate reason to insure the asset or person, protecting the integrity of insurance contracts.


Are there any exclusions in ransomware cyber insurance?

Yes, common exclusions can include acts of war, pre-existing vulnerabilities, or failure to follow recommended cybersecurity protocols. It’s essential to review the policy details to understand what is excluded.


How do I choose the best private health insurance plan?

Compare coverage options, premiums, exclusions, deductibles, provider networks, and customer reviews. Consider your healthcare needs, budget, and whether the policy includes necessary treatments and specialist access.


Does the loss ratio vary by insurance type?

Yes, different types of insurance (health, auto, home, life) have varying expected loss ratios due to claim frequency, severity, and industry standards.


Comprehensive Market Research

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