September 2014 ~ Free Insurance Quotes

Why Insurance Is Important?

3:39 PM Insurance Quotes, Insurance Tips No comments

Why Insurance Is Important?

There is one thing that is always faced by every person in this world, that is the risk. The risk is always there because of our ignorance of the condition which will occur in the future. Because it is so, then it would make any option into two sides which run concurrently and concomitantly, the risk and the profit side. For example, if we decide to use the car, then we will avoid the risk of rain and heat. But we will meet with the risks of accidents and damage to the car. Another example, if we decide to work hard, then we are likely to be benefited by getting more money, but we are faced with the risk of disease due to lack of taking care of your body. The question, whether the risk can be reduced?

The concept of insurance came up those needs, in which every human being needs peace in her life. And generally, people feel the calmness when he realized that they were on track contains little or minimal risk. And insurance business there to bridge that, where a person can shift risk dihadapinyake insurance company. To get coverage against the risks it faces, someone has to pay a premium to an insurance company in which the amount depends on the size of the risk transferred to the insurer (insurance company).

Definition of general insurance is an agreement in which the person makes a bond with the insured to receive a premium to provide a reimbursement to the insured on a risk of loss, damage, or loss which may be suffered as a result of unexpected events.

By taking an insurance product, then someone will be more calm in their activities. A person does not need to think about the risks that may arise as a result of an event, since most of the risk has been transferred to the insurance company.

In this article will only discuss more about the insurance associated with the man himself such as life insurance, health insurance and unit-linked insurance.

LIFE INSURANCE

Life insurance is the oldest insurance products in Indonesia. This type of insurance will provide some compensation to the heirs of the insurance money left if the customer or insured mennggal world either because of illness or accident. This insurance shall be held by a person on his productive time and have a family. So if there is something undesirable, then the deceased would also leave and bequeath a sum of money sufficient to meet the needs of the tanga or run still run plan bereaved family members, especially their children.

Life insurance is made up of a variety of products and enhancements (riders). Generally, life insurance is divided into two kinds, namely life insurance and term life insurance whole life.

Type of term life insurance policy holders are protected ensures a certain period, for example 10 to 30 years. Example: Mr. A type of term life insurance purchased with a maturity of 20 years at the age of 29 years. That question will be covered by insurance until the age of 49 years. If a father died within a period of 20 years since he took the insurance policy, then the compensation will be given to the soul heir. Conversely, if a father died at the age of 49 years had passed (over the past 20 years since the insurance policy was taken), then the question will not get any compensation for the soul.

Types of whole life insurance (whole life) protects the policyholder until death is concerned, is not tied to the death of any age.

As long as insurance premiums continue to be paid, the insurance policy will continue to provide protection. This causes a type of whole life insurance is also in demand by the public, especially children in insure premium value since a young age when reasonably priced and this value remained the same during the life of the child until the age of adulthood.

Type of term life insurance that have a certain period of time, offering cheaper premiums several times more than the type of whole life insurance.

HEALTH INSURANCE

Health insurance risk transfer is intended on hospital costs, the cost of the examination, and treatment if an insured having certain diseases.

This insurance is necessary if one expects a certain standard on health care facilities that may be required at a later date. We have many companies that provide health insurance facility for its employees.

INSURANCE UNIT LINK

This insurance product is an insurance product that is a combination of a variety of products from health and life insurance with investment features in one package. There are at least three (3) unit-linked insurance advantages when compared with other types of insurance, the investment pililhan diverse, a combination of insurance and investment interest in one package, and a high degree of flexibility.

In unit-linked customers are given the freedom to choose the type of investment. Do customers prefer the type of investment that has a high risk, medium or low. In addition, customers are also given the freedom to change the allocation of funds in the future.

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Choosing A Good Car Insurance

Choosing A Good Car Insurance

Choosing a car insurance tricky. Sometimes we use insurance only if it is ever to benefit from natural disasters or events that befall us that causes vehicle and our possessions discharged from the disaster and so forth.

This is where kta get lessons from natural disasters or events that befall us. We then glance at the insurance company for the safety and comfort of all possessions and even our souls as well. Along with the trend of increasing density of traffic on the highway and crime, it also increase the likelihood of a disaster involving our car, from relatively mild such as hit, scratched, theft rearview mirror, until the weight of such a collision, motor vehicle theft and even robbery .

To meet the security needs, you can choose a car insurance product that can provide protection against the risks that may occur on your car. Many insurance companies claim they are the best. It can be seen that there is an insurance product offered to the public through advertisements, almost none the less. Similarly, the promotion of performance they do, always accentuate the fine. Because of that, there are several factors that should be considered in the process of selecting an insurance company, especially for life insurance and loss.

Things to remember in choosing an insurance company in general there are three factors. First, financial strength (security). Second, the service (service). And third, the cost. Problems related to insurer financial strength of the company's financial ability to fulfill his promise as consumers membutuhkann. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims from customers, the company can not afford to pay.

Services (service) is a reflection of the extent to which human resources in the company's qualified or not. Moreover, insurance companies selling services, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. In addition, the matter of service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.

The problem is how much the cost incurred by insurance companies in operation. If it is greater than the cost of entry, it is clear the company is not efficient. If it is inefficient, it will end up losing money. And if you continually lose, certainly not healthy.

In addition, it needs to be considered when selecting motor vehicle insurance are:

Determine the type of insurance coverage desired. Overall protection (all risk) gives the best protection, but you need to take into account the economic side. Loss or damage to the motor vehicle caused by collision, collisions, overturned, skidded off the road. Fire, crane costs, theft, including theft preceded / accompanied or followed by violence or threats and additional warranty.
Do not just focus on the size of the premium to be paid. See the company's credibility, particularly in terms of service, claims handling and financial capacity.
Many insurance companies are credible and bona fide, though without the support of re-insurance company. But there is no harm in finding out the track record of re-insurance company (if any).
Does the company provide additional benefits, such as 24-hour claims service, free tow, car replacement, warranty claims process 24 hours, etc?
It is better you see the company's partner network garage. How many, where they are located and how the quality of these workshops.
Understand exactly anything what your rights and obligations. What you can do and what is not. Are there any exceptions in the policy contract, what the pros and cons for you?
Do not be fooled by the offers given by the insurance company. Get to know before making a decision, and choose healthy insurance.

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The Importance of Having Health Insurance

3:27 PM Health Insurance, Medical Insurance No comments

The Importance of Having Health Insurance

I was healthy and never sick during this time. Why should I take health insurance? "Many people think so and maybe we include one of them. However, ever occurred to us, what would happen if disaster and disease come on suddenly and we had to be hospitalized? We may have to pay for expensive medical treatment to savings depleted, and this of course is not a situation that we expect to happen.

Instead, would not it be helpful if we already have health insurance that can help us to pay for medical expenses? More so for us now that the cost of health care is increasingly expensive. Paying the doctor, buy medicine, hospitalization are some examples of expenses that must be paid when we or a family member stricken with the disease.

Fortunately that worked at a company or agency that has had health insurance program, so at least, in part because of the risk of impaired health can be assisted by the health insurance program. What if the company has not provided this facility? Or are we an entrepreneur? We recommend that you do not hesitate and start planning to buy health insurance. With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty that easier for us to adjust spending and reduce unexpected costs.

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, the number of participants who took part individually or larger so the risk of a claim can be divided equally by all individuals in the group. The greater the number of groups or members within the institution or company, it will also lower the premium to be paid.

Benefits Health insurance is a type of insurance that helps fund the availability of health insurance affected if participants health problems or diseases. All the needs of the doctor, stay (treatments) in the hospital, the cost of drugs in the hospital until the operation, all of it can be covered by insurance companies. In general, the type of treatment or programs available are the benefits of ambulatory care (outpatient), inpatient benefits (inpatient), labor benefits and dental benefits. In general, the benefits of ambulatory (outpatient) borne by the insurance company is like a GP consultation fee and or specialists, prescription drug costs, costs of preventive measures, the cost of assistive devices required by doctors, and others.

In the outpatient benefits are maximum limits the use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like a hospital fees, lab fees, delivery fees, the cost of emergency services (emergency). Benefits consist of preventive dental care, basic dental care, dental care complex, and the installation of dentures. Third-care benefits, ie outpatient, maternity, and dental benefits is an additional option that we can take the following basic program, ie, hospitalization benefits. So, we are not allowed to just take advantage of outpatient, childbirth or dental treatment without following the basic program hospitalization benefits. The amount of premium to be paid and the amount of value in health insurance is dependent upon the health insurance program we choose.

Various insurance companies have these types of programs and different premiums with details different benefits as well. Usually, insurance companies limit the total amount of fees that can be used per year.

The system claims / reimbursement insurance
The system used by health insurance companies that there are 2 replacement system (reimbursement) or system provider. With the replacement system, insurance participants have to spend money in advance to pay for medical expenses that can then we claim or requesting reimbursement to the insurance company where we are a participant insurance. With this system, we are free to choose any hospital, but of course the maximum reimbursement has been determined in advance. That needs to be our primary concern in making the claim is complete letters of administration are the main requirements to process reimbursement we spend can be paid by the insurance company. Quick slow disbursement of funds claim depends on the services provided by the insurance company, but generally ranges from 7 working days. For those who embrace the provider system then we do not need to spend money first. We are only equipped with health insurance membership card in order to obtain needed health services in hospitals or health clinics that we have chosen previously by the list of hospitals that work together with the insurance company.

Choosing a health insurance

What kind of health insurance that we need to look and we choose? Here are some tips that may help us in choosing health insurance principle carefully before buying. As health insurance applicants, we are entitled to get the right information, clear, and honest about the terms / conditions stated in the insurance agreement.

We should first read the instructions, information, and the procedures carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that they can make the right decision. Given the usual clause or clauses written in small letters behind the agreement document and using a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of differences in interpretation between us as a participant or insured by the company penanggung. Choos The insurance or insurance companies are reliable and have good products and services.

Try to make the comparison with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premi.Jika company where we work does not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company.

This would be beneficial because the premium paid would be lower if collectively, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group. If for a moment we reflect on the coming of illness or accident is a common occurrence, although the time can not be predicted. Therefore, it is needed a plan to prevent and resolve the issue carefully and wisely. The principle of "willing umbrella before it rains" can be done, one way to have health insurance. So hopefully useful!

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Five Tips In Choosing Insurance

4:18 PM Insurance Quotes, Insurance Tips No comments

Five Tips In Choosing Insurance

Legs is a valuable asset for the footballer. So valuable, David Beckham is willing to insure her legs valued at $ 70 million. The choice is fairly precise because the body member into a source of income to support him and his family. How about you?

Here is a tip that you choose the right insurance that fits your needs:

1 So many types of insurance offered by an insurance agent. But remember, not all insurance products need to have. Everyone has a different financial situation so that the need for insurance products is not necessarily the same. So, must not buy. Know your product first.

2 Not only choose the type of insurance should be considered, but also choose a policy from any insurance product. Please read carefully policy clause that truly understand the costs and protection to be obtained. Often an error occurs, the protection of the policy chosen were of inadequate demand, or otherwise, exceed the requirements so vain.

3 For though the same type of insurance, the premium value offered between an insurance company with other different, or known as company policy. Choose which offers the insurance coverage and service equal value but quite competitive premiums.

4 Note the main causes of risk. The insurance company will reimburse claims only for damage caused by factors that have been agreed. For example, not all types of medical health insurance borne diseases because there are some exceptions.

5. Observe the track record of the insurance company, whether it has been registered at the Ministry of Finance or not. That's the strategy to detect whether its quality is well enough to be able to serve customers' claims. Many cases customers are disappointed because it is difficult to claim that they are entitled. Be careful, inadequate services such as insurance agents who do not understand or can not explain the product offered is often the case, the resulting customer detriment.

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Choosing the Right Medical Insurance

4:13 PM Health Insurance, Medical Insurance No comments

Choosing the Right Medical Insurance

Health seems to be a valuable thing for everyone. Therefore, no wonder if the protection of the health of the people sought. In addition to a healthy life, there is no harm if the insurance protects your health. Health insurance is a necessity of today's society, which is due to the rampant disease that attacks the human disease at this age. And foremost is the high cost of treatment and hospital care to encourage people - people to register with the companies - both private insurance companies and government (country) that offer physical protection services, namely health insurance.

Before choosing a particular health insurance for you and your family, you know there are three good tips on choosing the right health insurance the following:

Choose Medical insurance as required

Not just choose the type of insurance types that need attention, but also choose a policy from any insurance product supplied. Please read carefully policy clause that truly understand the costs and protection to be obtained. Often an error occurs, the protection of the policy chosen were of inadequate demand, or otherwise, exceed the needs of health insurance so that you select in vain.

When choosing insurance, you need to pay attention to the protection of health insurance coverage and adjust as needed. Recognize the first health insurance products, such as the availability of outpatient services and inpatient care, or certain diseases that are not guaranteed health insurance. By checking in a family health history, you can also specify the appropriate health insurance needs. In addition, also adjust your financial condition.

Check the insurance policy

Consider insurance policies before choosing the right health protection. You can read the policy carefully so that clause really understand the costs and protection to be obtained. If unclear, you can ask the insurance officer. For those of you who are married, you should choose the insurance policy for the family in order to lower costs.

Select the type of health insurance reimbursement

There are several types of health insurance reimbursement, which uses a system of reimbursement and membership cards. With the reimbursement system, the insurance applies to all hospitals. While the system by showing a membership card only applies to health insurance hospital partners. If you choose this system, first check with your health insurer, any hospital that become their partner.

Select insurance with a budget that fits your pockets

Customize with your ability when you want to choose insurance. In principle, the amount of insurance can be tailored to one's ability, usually ranging between 10% -15% of the revenue. Payment can be made annually, semiannually, quarterly, monthly or once again pay if there is sustenance.

Comparison of the benefits provided

Every consumer must be very careful, because almost every insurance company usually offers benefits that are not exactly the same. Consumers can compare health insurance products with the products of the other. Consider also carefully scope as outpatient, inpatient, rehabilitation, and surgery.

Now that's some how to choose the right health insurance and you should look for if you choose the health insurance then your insurance will be futile.

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Confused in Choosing Education Insurance

3:31 PM Education Insurance, Student Insurance No comments

Confused in Choosing Education Insurance

This is only a sample only and do not constitute a recommendation or solicitation to invest for everyone. Every person has a risk profile that is different, do investments in accordance with the risk profile, objectives, and your financial period.

Investing in the stock market and other investment products are at risk, whether the risk of a decrease in investment funds or lose money on your investment. The results of past investments is not fixed and is not a guarantee to achieve the investment in the future. Prospective investors are expected to learn financial products and investment carefully before investing.

Insurance is a way of transferring a risk on a financial loss. For Insurance Education itself can be categorized as endowment insurance (universal life).

Before I discuss about the insurance education, it is good we first equate our perception of the children's education fund.

There are two basic goals when we want to educate our children in an educational institution, namely:

1 Maintenance intellectual aspect, which also includes aspects of physical, mental, heart, emotional and spiritual

2 Maintenance of the best aspects of our descendants.

For that there are three principles that need to be held before deciding to take out insurance or investment education, namely:

1 is the first school house (the first school at home) and parents are the primary teachers (the first teacher is family)

This means that no matter how great a school, can not replace the role of parents, home and environment in which the children live. In addition to quantity, the quality of the interaction (quality of time) between the family and the child will be more leverage in becoming a true learner.

From the aspect of financial motivation, it will reduce the costs of your child's education such costs and expenses extracurricular tutoring

2 Education is a long-term investment world and the hereafter, not a cost

If the average inflation of 15 percent of education will inevitably and like it or not, you have to budget for the education budget every year, and this has become a sort of primary requirement.

From the perspective of the provider of insurance education, insurance education has to be provided from your child that will be born can be felt up to PT (Higher Education).

3 Knowing the total expenditures for the candidate of your child's school

This is where the need for research on the costs of various schools with various strata in your city.

These costs include:

a. Money base, it would be better if you can ask for discounts or scholarships from the school can you go

b. SPP, always be on time and avoid fines or penalties

c. Transport, look for the location of a school that is close to your home so no transportation costs. Even if there are costs, allocate funds for car pooling or pick up a friend alternately with your child's school or your nearest neighbor. It could also hire a motorcycle taxi for the monthly shuttle from home to school

d. The books, for books can be borrowed from the seniors or neighbors who had already entered or can be downloaded from the eBook are provided by the government through the Department of Education

e. Extra-curricular, extracurricular choose the talent and passion of the child, and hopefully produce such writing, KIR / Scientific Teens, EO / Event Organizer and forth

Once we know the 3 principles that need to be held before deciding to take out insurance or investment education, then it is advisable to first listen to the following facts:

1 Do not get caught or ingested insurance jargon as "definite benefit in certain years"

Make sure what is advertised in accordance with the fact

2 Insurance companies generally set unilaterally the yield rate of the savings element, you need to know how the actual yield of the

3. you save in insurance policy, but it is not flexible in taking YOUR OWN MONEY

4. must provide benefits, but has NOT SURE benefits enough to pay for your child's education.

Now related to your question, "I am planning to buy insurance education my child who is now 4 years old, but I am confused to choose the insurance provider that is where a good education."

We first see approximately how much it costs, to enter elementary school in Jakarta Plus National average tuition USD 50 million with a duration of approximately 6 years of education funding needs Rp 100 million.

National junior high tuition plus the USD 40 million with a duration of approximately 3 years of education funding needs Rp 186 million. for the national high school plus the entrance fee of Rp 40 million with a duration of approximately 3 years of education funding needs Rp 283 million.

Not to mention for the cost of the PT (Higher Education) 18 years later.

You add live, how the actual total cost of education for your child!

If the above is quite burdensome costs, you can lower the cost by entering into public schools public or private.

My question is, how much premium you pay to your child's school can comfortably?

Compare if your child's education fund, you invest directly in the mix of instruments such as mutual funds or mutual fund shares (for long term)!

Here I give tips on choosing an insurance provider education, namely:

1 The decision entirely in your hands. You are purchasing insurance products according to the needs of your child.

For that seek bona fide insurance company and reliable with a track record of disbursement claims easily and quickly.

You must be automated survey by coming directly to the office of the insurance company.

2 Make sure the programs offered by the promised benefits, COMPATIBLE.

The way insurance checks to participants beforehand participate (meaning the value of the insurance savings should be in accordance with the cost of the child's prospective school)

3 good professional agent certainly has AAJI card (Indonesian Life Insurance Association).

For his company, if including insurance companies listed on AASI syariah.maka (Islamic Insurance Association of Indonesia) where the Islamic insurance companies supervised by DPS / Sharia Supervisory Board.

A good agent, will provide the company with a plus or minus other insurance companies objectively

4 Agreement must be clearly signed.

Contract between you and the insurance company must be easy to read, understand features including benefits, process claims, and other illustrations.

And no less important is the flexibility Our funds withdrawal.

Congratulations to prepare your child's education fund

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