Tag Archives: Health Insurance


Unique project provides impulse for regenerative medicine

REGiNA final symposium: Presentation of results

Unique project provides impulse for regenerative medicine

REGINA health region: Commonly regarded a successful project also by the council board.

(Stuttgart) – At the final symposium of the „REGiNA health region“ project, BioRegio STERN Management GmbH presented the results of five years of scientific and practical work in Stuttgart’s Haus der Wirtschaft on Friday, 4 July 2014. In total, around EUR 12 million have been invested in this project – which incorporates 18 sub-projects – by the German Federal Ministry of Education and Research (BMBF) in conjunction with its almost 30 partner organisations, who amongst them have contributed around EUR 6.4 million to that sum. Its success is demonstrated by the market approval of several medical products, although a fair amount remains to be done to fully establish regenerative medicine in healthcare.

„REGiNA introduces new products and processes based on regenerative medicine to patients‘ healthcare,“ said BioRegio STERN Managing Director Dr. Klaus Eichenberg, as he welcomed the project participants, scientists and entrepreneurs with the very same words he had chosen to launch the project five years earlier. The extent to which the prospects he outlined back then have been realised is demonstrated by the numerous sub-projects that resulted in market approvals for products. For example, the implants to replace cartilage, skin and soft tissue made by Esslinger Amedrix GmbH, that are already CE-certified in part. Dr. Thomas Graeve, Managing Director of Amedrix, is certain that „the support offered by BioRegio STERN and REGiNA has contributed significantly to our product development.“

REGiNA was the only project in Germany to bring together everyone involved in regenerative medicine – doctors, insurance companies, patients, scientists, entrepreneurs and members of the public – in a single interdisciplinary forum. To achieve this, the BioRegio STERN Management team invested a great deal of communication and promotional work over the last five years at symposia and trade fairs and through publications such as a brochure on regenerative medicine. To date, funds totalling around EUR 12 million have been invested in the BMBF-sponsored project encompassing 18 sub-projects and involving almost 30 project partners, who between them have contributed around EUR 6.4 million themselves from the health region. The chairman of the project’s Scientific Committee, Prof. Matthias Steinwachs from the Schulthess Clinic in Zurich, confirmed that the money has proved a wise investment: „Everyone at REGiNA has worked quite admirably, many of the projects are successfully established by now, and although some of the expectations were perhaps over-ambitious, overall we can be very satisfied.“ Dr. Gerhard Stumm from VDI Technologiezentrum GmbH and project manager on behalf of the BMBF confirms the project’s success and praises the good working relationship with BioRegio STERN Management GmbH . He reports that very good results have been achieved in some of the sub-projects as part of this cooperation.

For example, as part of the project, Prof. Hans Peter Wendel from the Clinic for Thorax, Heart and Vascular Surgery at the University Clinic of Tübingen joined forces with medical product manufacturer JOTEC GmbH from Hechingen to develop special surfaces for implants with blood contact. These stop stents and catheters from being identified as foreign bodies and avoid undesirable reactions. It was one of the stated aims of the project to achieve this kind of cooperation between research and industry: „REGiNA made sure the interdisciplinary collaboration worked,“ Prof. Wendel confirms. Those involved at REGiNA specifically addressed the search for collaborative partners so the researchers could concentrate entirely on their project work. Dr. Viola Bronsema, Managing Director of BIO Deutschland, the industry association for the biotechnology sector, underlines the project’s unique nature: „It all comes down to communication. It was important that REGiNA gathered everyone involved around one table.“

Thus alongside development and approvals, the focus was always on securing reimbursement from insurers for the products. After all, a lot of money has to be invested at the outset in researching the products and processes involved in regenerative medicine. For example, Carsten Linti from the Institute for Textile Technology and Process Engineering (ITV), Denkendorf, is designing a quick-action arterial seal that not only stops secondary bleeding but is also completely broken down inside the body. This innovation will prevent complications for the patient and helps reduce the length of stay in hospital.

Faced with limited funds, health insurance companies now have to decide which new regenerative treatments and products they should and can fund. Dr. Wolf Rogowski from the Helmholtz Centre in Munich, a health economist and participant in the REGiNA project, is a specialist in this field. He is trying to evaluate the potential and boundaries of innovations for the healthcare sector. One of the key questions in this respect is: „How much are we prepared to pay for our health?“ He says the health insurers cannot always carry the full cost for every use of a new product. „It is a debate fraught with difficulty that politicians try to avoid,“ says Dr. Rogowski. He believes that the gap between patient benefit and financial savings will need closing in the future. While regenerative medicine procedures can go beyond the short-term repair of cartilage defects in the knee to actually healing them, artificial joints generally require multiple operations and the patient still often suffers lifelong limitations. However, if insurance companies simply confine their costings to an annual calculation alone, the long-term savings made by using regenerative methods will not be factored into the equation to any adequate degree. Achieving an appropriate view of costs and benefits was one of REGiNA’s aims, which certainly needs pursuing further.

„REGiNA is not yet completed“, Dr. Klaus Eichenberg explained very clearly. „While REGiNA has achieved considerable progress in regenerative medicine, this is only the beginning, and we will continue to pursue this course in the region. The project has spawned numerous new projects, and it will be interesting to see where we stand five years further down the line.“

BioRegio STERN Management GmbH has produced several films that document the success of the REGiNA project. They present selected examples of research work from the health region – for example, how Dr. Bernd Rolauffs from the BG Trauma Hospital, Tübingen, optimises cartilage implants based on human cartilage and stem cells by applying targeted mechanical compression and stretching, and how Prof. Hans Peter Wendel and his colleague Dr. Meltem Avci-Adali from the University Clinic of Tübingen for Thorax, Heart and Vascular Surgery camouflage prosthetic arteries with the body’s own cells so skilfully that the blood no longer recognises them as foreign bodies, meaning there is no inflammatory reaction. https://www.youtube.com/bioregiostern

Bildrechte: Michael Latz/Bio Regio STERN Management GmbH Bildquelle:Michael Latz/Bio Regio STERN Management GmbH

About BioRegio STERN Management GmbH:
BioRegio STERN Management GmbH is a skill-sharing network, providing a help and advice centre for founders of new businesses, entrepreneurs and researchers in the life sciences sector in the cities of Stuttgart, Tübingen, Esslingen and Reutlingen and the Stuttgart and Neckar-Alb regions. BioRegio STERN Management GmbH represents the interests of these market players in dealings with political circles, the media and associations and provides advice on grant applications and corporate financing. Key focal points include regenerative medicine, medical technology and the automation of biotechnology. Managing Director Dr. Klaus Eichenberg is a molecular and cell biologist and investment analyst.

BioRegio STERN Management GmbH
Diana Schwarz Public Relations Management
Friedrichstrasse 10
70174 Stuttgart
+49 (0)711-870354-23

Zeeb Kommunikation GmbH
Anja Pätzold
Hohenheimer Strasse 58a
70184 Stuttgart
+49 (0)711-6070719


APRIL Gruppe: 25 Jahre Qualität rund um die Versicherung

Die französische APRIL Gruppe feiert in diesem Jahr ihr 25-jähriges Jubiläum. Der in der Versicherungsbranche renommierte internationale Finanzdienstleister hat sich einem erstklassigen Kundenservice und der Verbesserung des Images der Versicherungswelt verschrieben.

Was 1988 mit einer von Bruno Rousset gegründeten Maklergesellschaft in Lyon begann, ist heute zu einem weltweit agierenden Service- und Finanzdienstleiter gewachsen: Die französische APRIL Gruppe übernimmt für ihre Kunden die Entwicklung, Markteinführung, Verwaltung und den Vertrieb von Versicherungslösungen auf allen Vertriebswegen. Schon damals war es die Ambition von Bruno Rousset (noch heute CEO der APRIL Gruppe), das Bild der Versicherung in der Öffentlichkeit nachhaltig positiv zu verbessern. Er orientiert sich dabei an den Werten der sozialen Marktwirtschaft: ihm ist es wichtig, dass APRIL ein sozialverantwortliches, authentisches und transparentes Unternehmen verkörpert. Die kundenorientierte Struktur der Gruppe ist daher auf Werte wie exzellenten Service gegenüber Geschäftspartnern und Endverbrauchern, Kundenfreundlichkeit mit leicht verständlichen Verträgen und Innovationsfreudigkeit ausgerichtet.

Marktführer durch Kundenorientierung und Qualität
Während ihres 25-jährigen Bestehens hat APRIL in der Versicherungsbranche zahlreiche wichtige Impulse gesetzt. Seit Oktober 1997 ist der französische Dienstleister an der Börse notiert und war zu diesem Zeitpunkt der erste französische Makler mit ISO 9001 Zertifizierung. Die internationale Ausrichtung begann 1999 mit der Expansion in Europa: zuerst gab es Niederlassungen in Italien, gefolgt von Spanien, Deutschland und Großbritannien. Heute ist APRIL ein weltweit tätiger Konzern. Derzeit gehören 45 Gesellschaften in 37 Ländern zu APRIL, darunter drei eigene Versicherungsunternehmen.
Rund 4.000 Mitarbeiter erwirtschafteten im Jahr 2012 einen Umsatz von 773 Millionen Euro und einen konsolidierten Nettogewinn von 53,4 Millionen Euro. Die Gruppe betreut weltweit über 6 Millionen Versicherungsnehmer und ist Marktführer im Segment der Reiseversicherungen in Lateinamerika, Frankreich und Slowenien.

Seit 2005 gehört APRIL Deutschland zum Konzernverbund. Das Münchener Dienstleistungs- und Beratungsunternehmen trägt vor allem in den Bereichen Mobilität und Health Insurance zum Konzernerfolg bei. Daneben hat man sich im Bereich „Outsourcing“ in Deutschland auf die Verarbeitung kompletter Bestände von Versicherungsunternehmen spezialisiert. „Als deutsches Standbein der APRIL Gruppe können wir unseren Kunden ein erweitertes Leistungsportfolio bieten“, so Lutz Göhler, CEO der APRIL Deutschland AG. „Die Gruppe wiederum ist durch uns näher am lokalen Kunden – ein Mehrwert, der sich für alle auszahlt.“ Insgesamt vermittelt die französische Konzerngruppe beispielsweise monatlich über 1.000 Expatriate-Versicherungen an ihren Standorten in München, Paris und Newcastle.

Fairer Zugang zum Versicherungsmarkt
Durch ihr innovatives Geschäftsmodell ermöglicht die APRIL Gruppe ihren Kunden einen einzigartigen und fairen Zugang zum Versicherungsmarkt. Die weltweite Zusammenarbeit mit 20.000 Maklern und eigenen Callcentern auf drei Kontinenten deckt in der Kooperation mit den konzerneigenen Versicherungsgesellschaften die komplette Wertschöpfungskette der Assekuranzbranche ab. Die internationale Ausrichtung und die Zusammenarbeit mit institutionellen Partnern vor Ort erweitern kontinuierlich das Leistungsportfolio. Das Unternehmen bietet innovative Lösungen in den Bereichen Sach-, Haftpflicht- und Lebensversicherungen für Privatpersonen, Geschäftsleute und Unternehmen, sowie im Bereich internationale Krankenversicherungen an.

Die Zukunft: APRIL setzt auf Mobilität und Assistance
Bruno Rousset sieht in der Vielseitigkeit und Flexibilität von APRIL die Stärke, die es der Versicherungsbranche ermöglicht, in Zukunft eingefahrene Standards und Modelle hinter sich zu lassen. Das bedeutet, sich auf herausfordernde Aufgaben einzulassen und Strategien engagiert umzusetzen. Zu den langfristigen Zielen der APRIL Gruppe gehört es, weiter profitabel zu wachsen und 2020 weltweit zu den Top drei Anbietern von Mobilitäts- und Assistanceleistungen zu gehören. Der Kunde steht dabei weiterhin konsequent im Mittelpunkt: Durch regionale und internationale Versicherungslösungen bleibt APRIL im wachsenden Versicherungsmarkt der richtige Ansprechpartner für Unternehmen und Privatkunden.

Zahlen und Fakten

APRIL Gruppe
-Führender Versicherungsmakler in Frankreich, Kanada und Slowenien im Bereich Personen-, Haftpflicht- und
-Hochwertiges, internationales Schadenregulierungsnetzwerk in Zusammenarbeit mit APRIL International Assistance (ehemals CORIS)
-Weltweit über 6 Millionen Versicherungsnehmer
-773 Millionen Euro Umsatz im Jahr 2012
-Über 4.000 Mitarbeiter
-Internationales Netzwerk in über 35 Ländern mit mehr als 40 Gesellschaften

APRIL Deutschland
-Seit dem Jahr 2001 am Markt
-Über 40 Mitarbeiter am Standort München
-Über 5 Millionen Euro Umsatz p.a.
-Betreuung von über 700.000 versicherten Endkunden
-Seit Juli 2005 im Konzernverbund der APRIL Gruppe, Lyon

Nähere Informationen finden Sie unter www.april.de.

APRIL Deutschland ist kompetenter Full-Service-Dienstleister, der innovative Lösungen in den Bereichen Outsourcing und Mobilität bietet. Wir sind im Versicherungsmarkt zu Hause. Als Teil der französischen APRIL Group greifen wir auf die internationale Erfahrung eines seit 1988 tätigen Netzwerks zurück.

APRIL Deutschland
Anna Keller
Richard-Reitzner-Allee 1
85540 Haar
089 43607223

APRIL Deutschland AG
Anna Keller
Richard-Reitzner-Allee 1
85540 Haar


Insurances: Which ones are a must, which can one do without?

Which insurance is necessary depends on a number of personal factors

Insurances: Which ones are a must, which can one do without?

Since when do insurances exist?

In antiquity already the principles of insurance were known. Already 3000 years ago in Babylon people hate the idea that many reduce the risk of one. The first insurance policy goes back to the 14th century, which was to protect a transport on the sea. The involvement of the government goes back to the first century A.D. In Rome, when Emperor Hadrian started insurance for members of the military to especially protect poorer people.

The first commercial insurance companies were founded in England in the 18th century. Nowadays there is hardly any risk which one cannot insure.

What does insurance consist of?

The insurance company and the client complete an insurance contract in which everything, like for example the insurance sum, the terms and costs are are fixed. The client receives the insurance policy, which is the document containing all the details and which serves as proof of being insured. The insurance cover starts with the first payment of the so called insurance premium. The height of insurance claim in the event of any incident depends on what was agreed when signing the contract.

What does insurance cost?

The costs for insurance mainly depend on the size of insurance sum, but also on the likelihood that an incident will actually take place, like, for example, a young driver usually means a higher risk to the insurance company to be involved in an accident, or an older person is more likely to fall ill.

Which insurances are really necessary?

In the case of any loss, be it material value or the loss of health or work, one of the results will be financial damage. If the risk should be insured depends completely what the damage would mean individually.

Some risks might involve just inconvenience, but if a financial damage means impairment of one’s livelihood, a good insurance is the only protection.

One of the most important insurances is even required by law. It is a car insurance every driver has to take out before he is allowed to drive a vehicle. He is in fact free to choose the protection of his own car, but if he causes any damage and injury to other people, he has to be able to compensate for any costs involved which easily can reach millions.

The second most important insurance probably is a health insurance, as the National Health Service won’t cover certain treatments. The private health insurance makes it possible to freely choose one’s doctor, to avoid waiting times and take advantage of special treatments.

A burglary, a fire or flooding could mean the loss of most of one’s property – a home insurance cannot replace sentimental value but guarantees the old level of one’s lifestyle after such an incident. It is one of the insurances everybody should take out.

One of the very important insurances is a life insurance to protect not only one’s family, but also one’s own future.
Other insurances are available for pet owners. Pet insurances make sure that all medical- and liability costs for dogs and cats are covered for and are definitely advisable.

Everybody who plans a journey abroad is protected against the financial loss of damaged or stolen luggage, medical treatment in the case of an accident or illness on the way, and against cancellation costs if one unexpectedly has to stay at home.

The business insurance is a must for every owner of a small or big business, and the landlord insurance is absolutely vital to protect one’s property.

There are many more insurance products on the market to protect single gadgets and prepare for future events like weddings and funerals. If they are necessary depends entirely one’s individual circumstances.

How to find the best insurance

An independent finance website like www.whichwaytopay.com is the easiest way to look for the best and cheapest insurance, i.e. one which suits one“s needs best. On clear comparison tables, it is possible to compare each insurance firm and their offers, fees, conditions and also the small print. Once one has made one’s choice, it is very easy to apply in the few steps online.

Which Way To Pay bietet neutrale Informationen, Vergleiche und Bewertungen zu Finanzprodukten, wie Währungen, Kreditkarten, Kredite, Schuldenmanagement, Versicherungen und zu Vielem mehr.
Darüber hinaus stellt die Website themenbezogene Nachrichten bereit, sowie allgemeine Artikel mit Ratschlägen, die dazu dienen, den Leser sowohl über die Finanzwelt und Weltwirtschaft auf dem Laufenden zu halten, als auch grundlegende Tipps in Sachen Geld anzubieten.
Diese Artikel werden regelmäßig von Lokalredakteuren und -autoren geschrieben.
Viele zusätzliche Tools und Angaben stehen kostenlos zur Verfügung; dazu gehören Währungstabellen und -rechner, Devisenberichte direkt von den Top Maklern der City, Updates von der Börse und vieles mehr.
Which Way To Pay bietet Besuchern der Website einen objektiven Vergleich von verschiedenen Finanzprodukten. Die Besprechungen und das Bewertungssystem beabsichtigen ebenfalls, dem Verbraucher einen ausgewogenen Überblick auf jedes Produkt zu bieten – sie werden von unabhängigen angestellten und freien Autoren verfasst.

Which Way To Pay
Mark Maffia
80807 München
0800 183 0883


National Association of Statutory Health Insurance Funds: Accessible internet site with CMS from e-Spirit

Focus on accessibility, user-friendliness and integration capability

Dortmund, July 10, 2012 – The National Association of Statutory Health Insurance Funds („GKV-Spitzenverband“), the central organization that represents the interests of the statutory health and nursing care insurance providers in Germany, has revised its online presence, both technically and visually, and opted for the FirstSpirit content management system from e-Spirit ()“>www.e-Spirit.com). The relaunch was focused on the accessibility of the web pages and on achieving a high degree of user friendliness. Apart from the editorial content of the web sites, the GKV-Spitzenverband also uses the CMS to manage more than 2,500 documents, with which the central organization informs about all issues, guidelines and changes to health and nursing care provisions on its internet site and the connected theme portals. The target groups of the online offering includes contractual partners, service providers and manufacturers in the health and care industry as well as journalists and politicians, who in future will be able to reach the correct content faster. The integration of a high-performance search based on the open source search engine Solr also helps to achieve this. The complex information offering is „very readily accessible“ to people with disabilities. This is the conclusion drawn by BITV-Test, which assesses the accessibility of the GKV-Spitzenverband web pages accordingly. The new website and the implementation of the CMS were carried out by the e-Spirit partner interactive tools GmbH.

Central content integration platform

For the GKV-Spitzenverband, the FirstSpirit CMS operates as a content integration platform. The editors therefore have a central tool with a simple, intuitive user interface, via which they can not only create, maintain and deploy editorial content via different output channels, but also integrate content from connected systems into the web projects, without having to switch between different applications. In future, the FirstSpirit AppCenter will be used as and when needed to very easily and quickly integrate any applications required into the editing interface. „This future capability and openness, alongside the outstanding usability, were the decisive criteria for our choice“, say Anja Härschel and Volckert John, who are responsible for the relaunch of the websites in the GKV-Spitzenverband communication department. Now that the relaunch of the main site (www.gkv-spitzenverband.de) has been completed, other internet sites of the organization are to be set up anew with the FirstSpirit CMS.

For more information please visit www.e-Spirit.com, www.gkv-spitzenverband.de and www.interactive-tools.de.

About e-Spirit

As the manufacturer of the content management system FirstSpirit?, e-Spirit is a technological leader in the field of web content management (WCM). Well-known customers from all business sectors rely on FirstSpirit? for implementing successful web strategies worldwide and for the creation, management and publication of content in highly diverse channels (Internet, intranet, extranet, mobile channels, PDF, email newsletters, portals, DTP, technical documentation). The content management system impresses with its outstanding integratability and its consistent best-of-breed strategy: It integrates seamlessly into complex system landscapes and portals (SAP NetWeaver, IBM WebSphere, Microsoft SharePoint, Liferay), and with FirstSpirit? AppCenter, e-Spirit offers the unique opportunity in the market for interface integration of any web applications directly into the CMS. As a content integration platform, FirstSpirit? meets the highest demands for usability, performance and investment security.

e-Spirit was founded in 1999. It is a part of the adesso Group and is represented with 12 locations in Germany, the United States, Great Britain, Austria and Switzerland. www.e-Spirit.com

e-Spirit Inc.
Oliver Jaeger
470 Atlantic Avenue
MA 02210 Boston
+1 877 71 E-SPIRIT

Schwartz Public Relations
Juliane Becker
Sendlingerstraße 42A
80331 München
+49 (0) 89-211 871-41