You have completed your studies or training. The health insurance is essential in today's world. In general, for each worker and an employee insurance if the income of the person concerned does not exceed a certain limit (currently 3937.50). Who earns more, can either decide to remain in the statutory insurance or take out private insurance. It presents itself the question as to what health insurance you will complete. A private health insurance (PHI) offers superior protection for higher income workers, civil servants and the self. More specifically, can be said workers private insurance, if your gross – monthly income (that is 3937.50) has exceeded the third consecutive year the compulsory limit. If self-employed, freelancers and artists' income plays no role to join a private health insurance.

Last officials and others eligible for the aid, such as judges, State Parliament – Member of Parliament and the opportunity to be able to privately insure. Basically, make private accounts a host of health and age of the prospective subject. Crucial also someone who has a private insurance, can only in a few exceptional cases, switch back to a statutory health insurance. There are different types of insurance. Depending on the extent of private insurance can be made between a full insurance (complete coverage of medical expenses), a partial insurance (this is to secure a share of medical expenses) and a supplemental (additional risks are hedged to the statutory health insurance choose). The include the supplementary health insurance as well as the sickness funds.

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14
Jan

Patent Act

Obtained by the applicant as security documents to protect the appearance of industrial products (Design patent) and the subject product design (Certificate for utility model). Comparison of the essential features of the design and utility model held for the following reasons. Firstly, the buyer, usually assesses the external trade dress, as well as its functional value. Therefore, a developer on the stage of creating the design documentation is important to provide a product advanced technical solutions, which improve the properties of both industrial design and utility model. Second, unfortunately, in the Patent Act EFR does not provide for conversion of industrial design application in the application for utility model and vice versa. This fact can not avoid cases of loss of national priority and a more flexible patent policy in the economic development of industrial Enterprises P F. It should not be forgotten that in some cases, foreign legislation on industrial designs is moving closer to patent law in respect of legal action – declared the registration of technical making, issuing security documents, maintaining them in force and the cessation of their actions. For example, in countries where patent law provides protection for utility models, possibly transform application industrial design in the application for utility model and vice versa. The criterion in such cases is the following provision: "If industrial product is more useful purpose than decoration, it can be protected as invention or utility model '(1). In general, the protection of industrial products like industrial design patent and utility model certificate can prevent plagiarism, and the coincidence with sufficient similarity. Patent Attorney Chelyabinsk CSTI Skripkina NK

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