Understanding Health Insurance

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Understanding Health Insurance

Today, many insurance options offered by various companies. However, sometimes we do not know exactly about the calculation of the services that we can gain a cost we have to pay. Therefore, be diligent to ask the insurer so that we can get the maximum benefit from the insurance that we buy. Here is some consideration before deciding to choose insurance services:Understanding Health Insurance

»The number of family members;
How many families are covered. The greater the number of families, the greater the premium value that we take, so that the level of benefits could be used to charge up for the whole family covered. Ideally, if a family with two children or more, at least not obtained the insurance coverage at least equal to 12 times the expenditure per month. Choose the type of insurance to the value of the premium that can protect up to that value.
Understanding Health Insurance
»Current economic conditions;
Adjust the current economic conditions. If we are in a condition that is sufficient, which means usually have a desire to enjoy more amenities, there's nothing wrong with prioritizing insurance premium equal value. Understanding Health Insurance

»The percentage of the cost of insurance;
It is advisable to remove the insurance costs at least 10% of the revenue. Make this should "investment" because the insurance coverage obtained will be "bonus" that allows at a later date.

»Value premiums paid by the company; Understanding Health Insurance
If it works, ask how much the premiums that have been paid out of the company. If the protection afforded thats enough, allocate private insurance for other insurance which is not borne by the company. Understanding Health Insurance

In essence, we must know the exact amount of the sum insured that we can with what we paid for insurance. Choose the insurance that can provide maximum protection.


LIFE INSURANCE PRODUCTS / HEALTH

1. Life insurance products - Protection lifetime of your SOUL! Understanding Health Insurance
The benefits of this basic protection applies to all customers no exception, customers covered until the age of 100 years. Make sure you have the best financial guarantee to the heirs (family) if you leave them.

2. The health insurance product - Protection PERMANENT DISABILITY (ADDB)
The benefits gained by the customer protection against the risk of death, partial permanent disability resulting from an accident.
Understanding Health Insurance
3. The health insurance product - Protection CRITICAL DISEASE (Critical Illness Plus)
Is the benefit of protection against 49 critical illnesses.
If customers hit by one of the 49 critical illnesses, Allianz directly provide FREE SAVINGS BENEFITS (customers do not need to continue the premiums anymore, because the premiums will be forwarded by nasbah Allianz up to the age of 65 years and the money can be taken at any time).

4. The health insurance product - Protection PERMANENT TOTAL DISABILITY (TPD)
The benefits gained by the customer protection against the risk of total and permanent disability due to accident / critically ill.
Allianz also provide additional benefits, namely FREE SAVINGS BENEFITS (customers do not need to continue the premiums anymore, because the premiums will be forwarded by nasbah Allianz up to the age of 65 years and the money can be taken at any time).Understanding Health Insurance

5. The health insurance product - Protection Inpatient, ICU, SURGERY (Flexicare)
Is the protection of the health risks yourself having to be hospitalized.

Customers benefit reimbursement of hospitalization in the hospital.
Minimum 1 day, maximum of 180 days / year, and the benefits of this nature "refill", when it has been used for years which runs in front of it applies from zero again.
Benefits Flexicare: Inpatient, ICU HOSPITAL, SURGERY (minor s / d major)

6. Health Insurance Products - Other Additional Benefits:
> Payor Protection
Is the premium waiver benefit if the policyholder dies
Understanding Health Insurance
> Payor Benefit
Is offering premium waiver benefit if the policyholder is diagnosed incorrectly
one of the 49 critical illnesses or total permanent disability.

> Spouse Payor Protection
Is a benefit that offers a premium exemption if the spouse of the policyholder
die

> Spouse Payor benefits
Is a benefit that offers a premium exemption if the spouse of the policyholder is diagnosed one of the 49 critical illnesses or total permanent disability

7. Insurance Products - LONG-TERM INVESTMENTS Understanding Health Insurance
Not only the protection of life, the value of the investment that is formed will help you to realize your dreams and fulfill your financial needs in times of need
You can decide for yourself and plan according to your dreams about big and when you need the funds from the investment value.
We are ready to help you to plan your financial and family that your dreams can be realized as planned.

49 DISEASES OF CRITICAL are covered ALLIANZ Understanding Health Insurance
1. First Heart Attack
2. Stroke
3. Coronary Heart Surgery
4. Heart Valve Replacement Surgery
5. Cancer
6. Kidney Failure
7. Paralysis
8. Multiple Sclerosis
9. Vital Body Organ Transplant
10. Alzheimer's / Organic Degenerative Brain Disorders that can not be recovered.
11. Coma
12. Parkinson's Disease
13. Terminal Illness
14. Chronic Lung Disease / Final Stage
15. Chronic Liver Disease
16. Motor Neuron Disease
17. Muscular Dystrophy
18. Anemia Aplastis
19. Operation Vessels Aorta
20. fulminant hepatitis
21. Pulmonary Arterial Hypertension Primer
22. Bacterial Meningitis
23. Benign Brain Tumor
24. Inflammation of the brain
25. Burns
26. Poliomyelitis
27. Serious Head Trauma
28. Apallic Syndrome
29. Other Coronary Heart Disease Serious
30. Angioplasty and other invasive treatment of Coronary Heart Disease
31. Systemic Lupus Erythematosus (Systemic Lupus Erythematosus)
32. The acquired HIV through blood transfusion and Employment
33. Deaf (Indra hearing loss function)
34. Mute (Lost Speech)
35. Blindness
36. Scleroderma progressive
37. Medullary Cyst Disease
38. Cardiomyopathy
39. Aneurysm Brain Blood Vessels That Require Surgery
40. Discontinuation of Roots - brachial plexus nerve roots
41. Stroke Carotid Artery Surgery Requiring
42. Idiopathic Scoliosis Surgery
43. The Recurring Chronic Pancreatitis
44. Elephant Foot Disease Chronic
45. Loss of Independence Living
46. ​​Death or muscle membrane Network (Gangrene)
47. Rheumatoid Arthritis Weight
48. Colitis Ulterative Weight (Cronh's disease)
49. Kawasaki Disease That Causes Complications At Heart

Resume
Understanding Health Insurance
Insurance principle mentioned above is as follows:
Benefit fixed / inflexible, and not exhaustive, the amount of the premium depends on the age of the participants, the event of the risk of illness, participants pay first, then in a claim to the organizers to get a replacement that has been established, including critical illness. Therefore, this insurance covers the insurance death benefit will be accepted after the maturity of the policy or there is a risk of death. The insurance excess is a health services not specified or free. and broad scope is not limited by region.


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