Confused In Choosing Insurance

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Confused In Choosing Insurance
 By: myriarafiz
Confused In Choosing Insurance
My husband and I'm dizzy choosing the right insurance for both of us. Which is the most appropriate for both of us, each of which has a private health insurance from the office even though the classes are not a VIP? If in the city of Yogya, entered first grade at a private hospital has 'good', because his room was filled themselves, do not join with other patients. But when it came to Jakarta, I was surprised when it turned office friends who are sick and classes provided for him 'only' class I, which is actually join with other patients.
Confused In Choosing Insurance
Not arrogant, if I do not like a room with another patient when you're sick. But comfort is number one for me, especially when ill. I am a very fussy person when I'm sick (my mother had become witnesses for years, LOL). Especially if dizzy, a little motion sick, can not sleep, directly fussy and spoiled recurrence (pukpuk husband). Next patient might ask for a transfer if I have with my roommate. Not to mention I was timid, and never dare to be alone in the hospital. Sorry, for the wait if there is no proper place to care for me.Confused In Choosing Insurance

I started to pick and choose the right health insurance for me (and husband). My parents suggested I take a course of his subscription insurance company, which not only cover my health when admitted to the hospital but also provide a number of X amount of investment in umpteen years, 'only' to save Rp 500,000, - a month. Had moved to take out insurance unit this link, let alone offer to invest in large enough numbers so than if there were only saved just in conventional savings.
Confused In Choosing Insurance
But on second thought, rather than 'waste' Rp500,000, - to Insurance-Plus-investment is better divide it into portions appropriate. Portion for better health insurance paid directly to Pure Health Insurance Policy (which will be forfeited if not used, and hopefully healthy alias charred always) and the portion is stored in a savings investment, mutual funds, bonds or precious metals. I personally think it is more appropriate portion, because the purpose and benefits that will be received more appropriate!
Confused In Choosing Insurance
Well, to choose the right health insurance pure can share in the forum FemaleDaily or to friends who already have. If for me personally, want cheap or expensive (in reasonable range), which is important not complicated claims process. Moreover, my husband and I had borne the office, so that we will take advantage of this time is the health insurance claim his double facility. Make sure the insurance is taken may bear the double claim. Usually, anyway, using a certified copy of the invoice by the hospital. Choosing a reliable insurance is also important, you know! The more valid and reliable, it is usually easier also the claim process. Confused In Choosing Insurance

One more thing, do not easily tempted by persuasion telemarketers offering credit cards with a health insurance policy that is cheap! Make sure the name of the insurance, how to claim, card delivery policy, and so on. Because that usually happens is that we approve the health insurance but 'forgot' to have the health insurance bill was so cheap that in the billing statement while policyholder card never got our hands.
Confused In Choosing Insurance
If it already, how? Close! Better to lose in front than we pay continuous policy but later when we're sick lazy to take care of his claim because of its complexity. 
Happy choose!

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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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How To Choosing the Best Health Insurance

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How To Choosing the Best Health Insurance

When it decided to stop working and start your own business, one thing that needs to be addressed is the matter of health care costs. How to be financed? One of them is to take health insurance. But the problem is, how to choose the best health insurance.
Choosing the Best Health Insurance
Health insurance is insurance that provides reimbursement of medical expenses if the policyholder hospitalized because of disease or accident. The amount of reimbursement by the amount of the bill from the hospital with a certain limit restrictions based insurance plans are taken. Insurance is part of the way to manage the family finances.
How To Choosing the Best Health Insurance
Different health insurance with critical illness insurance. Critical illness insurance provides cash benefit if certain critical illness. Given a one-time cash benefit in a lump-sum.

Before looking at each - each offer, we should first discuss what the ideal criteria. After that, we can determine where a good health insurance.How To Choosing the Best Health Insurance

Criteria for the Best Health Insurance

According to the literature and opinion of financial planners (what and how financial planners work see here), this was the one thing - things to consider. How To Choosing the Best Health Insurance

    Cashless

    With cashless, reimbursement becomes easier. When admitted to the hospital, you do not have to pay, but quite settle the bill with the insurance card swipe. No need to pay upfront, which then still have to be reimbursed to the insurance (reimbursement).
How To Choosing the Best Health Insurance
    However, this requires a cashless hospital where you are treated already in cooperation with the insurance because the hospital must have and put the machine to swipe the insurance card. If not cooperation, despite having insurance claims cashless system, you are forced to continue to pay upfront and then finish with reimbursements.

    Network Hospital Wide

    Cashless claim can not be done in a hospital that does not have agreements with insurance. Therefore, select the insurance that has a network of cooperation with many hospitals. Make sure the hospital your subscription (if any) in collaboration with the health insurance will be selected.
    Ceiling and premiums according Needs and Capabilities
How To Choosing the Best Health Insurance
    Ideally health insurance ceiling selected as desired. If the scheme is taken lower, while later hospitalized, you have to pay extra to cover the uninsured insurance.
How To Choosing the Best Health Insurance
    Of course, the high ceiling is proportional to the amount of the premium relates. The more expensive the price of a hospital room, the more expensive the premiums. Adjust premiums with ability, not even your financial burden. Must be ready to trade-off between the premium and the ceiling. Although it is often not easy, due to health problems, such as the selection of the hospital room, the more emotional and tend to want a comfortable and nice, the rooms are expensive price implications.

    Pure Health Insurance

    Choose a stand-alone health insurance, life insurance rider is not a unit-linked. Why? Expensive. In unit-linked, the premium will be divided for life insurance, investment and new health insurance. To be a small portion of health, so you have to pay more to get a higher ceiling. Not to mention, a number of pieces of unit-link cost is not a small amount, which further reduce health premiums.
How To Choosing the Best Health Insurance
    In pure insurance (see Insurance Pure matter what it is here), premiums are intended - an eye for the cost of health insurance and the cost cuts are also not at cost in unit-linked, so it becomes cheaper premium or sum insured is higher. If you want proof, compare the sum insured and the premium amount between pure health insurance with health insurance that is part of unit-linked.

    Prioritize Hospitalization

    Health costs include outpatient and inpatient. Should focus on the insurance cover hospitalization due to this treatment the greatest costs. If you have more money, can take additional outpatient insurance.

    No limit per Treatment

    There is a limit or ceiling that limits the maximum amount of medical expenses claims. Generally, insurers implement two types of limits, the first is the combined limit of all treatments and the second is the limit per treatment. For example, the first limit restricts combined all maintenance costs Rp 250 million in a year, while the second limit limit surgical treatment costs USD 10 million a year, the consultation fee of Rp 10 million a year and so on.
How To Choosing the Best Health Insurance
    There is a limit of insurance which only uses the first, there is only the second limit and some are using both at the same time limit. We recommend that you select the insurance that applies the first limit, or in other words do not limit the cost per treatment. It means that the policyholder flexible treatment of various treatments for a total limit is still there. Insurance limits that restrict the first and second limit, of course, most are not ideal.

    Payment Notice Auto Debit Credit Card

    Although it seems to make it easier and usually pay a monthly premium (it would appear lighter), please liver - liver perform auto-debit payment by credit card (want to know how to manage credit cards, see here). If forced to use this method because the insurance does not provide any other payment alternatives, make sure you know when payments begin and how the process if you want to stop.

    Avoid Taking Health Insurance via Phone

    Offer health insurance through tele-marketing started popping plural. Usually in cooperation with the credit card issuer. Related products are quite complex, as this insurance, you should think about, and if the analysis had to do research before making a decision. Therefore, I do not recommend taking a decision immediately when bidding by telemarketing. I had already experienced rapid and summarily the bidding process, so much detail info that could not be delivered due to time constraints. If you are indeed interested and need time to think about it, can ask the insurance contact number, which you can later call when it was ready.

    Wait Period Disease How To Choosing the Best Health Insurance

    Health insurance requires a waiting period, some diseases can not be claimed for a certain period from the date of expiry of insurance. For example, Cigna set the following diseases can only be claimed 12 months later, ie asthma; TB (Tuberculosis); kidney stones, urinary tract and bladder; high blood pressure (hypertension), heart and blood vessels; Diabetes (diabetes mellitus); Vertigo; etc. Ask the insurance company what goes disease and how long the waiting period.

Want to Choose a Health Insurance Where?

Depends. If you do not have insurance, my advice choose between Allianz, AXA or Manulife because they belong to the ideal limit. Meanwhile, if you already have insurance from work and want to add insurance, take my advice Cigna because most economical with the insurance premiums are passable.How To Choosing the Best Health Insurance

What if need health insurance for our parents? Listen article Elderly Health Insurance protects up to age 79 years.How To Choosing the Best Health Insurance

The importance of health and the high cost of medical treatment that protects insurance costs make this an essential part of every family's financial planning. Especially if there are no health facilities from work. Make sure you choose the insurance that best suits your needs and abilities, in the heart - the heart. Most do not use the description above as a guide. Congratulations choose the best health insurance for you.


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Quiet life with Health Insurance

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Quiet life with Health Insurance
By: Vanessa Stenny

Illness and accidents come without foreseeable. Today healthy, maybe not tomorrow. Even illness can come over to people who are already running a healthy lifestyle with a balanced diet. Mild disease usually do not require insurance because most can be cured with a visit to the doctor or even by taking nonprescription. But for severe disease, whether caused by bacteria, viruses, or other costly treatment that is not small. Accidents also one of the factors that cause why health insurance is very important.

Insurance is a financial services product that provides the benefits of the social security policy purchased in the future. Insurance is very useful, since most people buy the policy at the time he was still productive and have a steady income to pay a monthly premium. One of the many insurance products are offered health insurance.Quiet life with Health Insurance

However, there are still many people are reluctant to have a health insurance policy. One of the main causes is the perception of the difficulty of filing claims and liquid funds is difficult, so the owner of the policy still needs to raise itself to finance treatment. Filing a claim would require time to process, and certainly will not be as fast as taking private savings through ATM machines. There is a procedure to be followed. Before finally choosing an insurance policy, ask the agent who sells, what I should be prepared at the time of going to file a claim.Quiet life with Health Insurance

The documents required for disbursement after treatment should be prepared in a special folder at any time can quickly be used to ease the process of filing a claim. Policyholders can file a claim yourself, or if you want to be assisted by the seller agent, please contact the agency to help take care of disbursement procedures.Quiet life with Health Insurance

To choose a health insurance product, prospective policy holder should read carefully the terms and conditions applicable. Reimbursement of medical expenses, physician services, hospital and there is a limit. For example, a policy owner pays for the daily compensation of hospitalization in the hospital for a maximum of thirty days, then if he had to be hospitalized for four-five days, then he should pay its own fees charged for fifteen days.Quiet life with Health Insurance

In addition, the policy owner must also understand that not all medical examination facility will be replaced by the insurance company chosen. Examination for infertility problems, including if you choose artificial insenminasi procedures such as IVF, for example, are generally not included in the treatments that will be replaced. There are still a number of medical problems that are generally not reimbursed by insurance companies such as cosmetic plastic surgery, recovery from drug and alcohol addiction, alternative medicine, and abortion.Quiet life with Health Insurance

This insurance product will be felt useful with the passing of inflation is increasing from year to year. With a fixed monthly premium payment, when required, the selected insurance company can settle payment of treatment, although perhaps not entirely. Insurance companies in today's increasingly improve the quality of its services, even providing call center services.
Quiet life with Health Insurance
Health insurance is indispensable if someone had to go to the hospital because of a medical illness or accident. Policyholders can feel the benefits of insurance as it will obtain relief in paying medical expenses, physician services and hospital administration. The cost for treatment is something that must be held.
Quiet life with Health Insurance
Health insurance can anticipate the worst case scenario that might someday will come to you. If you do not have it now, start planning to choose the policy that best suits the situation and state of health and your finances. Someday, you will definitely be able to feel the benefits.


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Why Home Fire Insurance Important?

5:59 PM  , ,  2 comments

Why Home Fire Insurance Important?

A house fire could occur because a variety of reasons, such short-circuit, the gas cylinder explosion, and lightning strikes. Even in dense residential areas, fires can occur as a result of a fire that spread from a neighboring house.

Maybe you think the house is equipped with smoke detectors enough to give you time to extinguish the fire or call the fire department. However, what if the fire spread quickly or when you are not home?Why Home Fire Insurance Important?
See some examples of such cases, it seems to have fire insurance is the best way out. Here are some reasons that make fire insurance is very important for your home:

Avoiding Bankruptcy Why Home Fire Insurance Important?
The house is high valuable asset. If your house is on fire and the coincidence is not insured, you may not be able to immediately repair the house.

You may owe to the bank or other parties to repair the house. However, this will make you a lot of debt and take a long time to pay it off.Why Home Fire Insurance Important?

You have worked hard to raise money to buy a house, then why take the risk to leave without protection?

Replace the Goods Why Home Fire Insurance Important?
Not only covers damage to your building that caught fire, this insurance will also reimburse the cost of damage to the goods affected by the fire. Condition, the fire did not happen because of your own negligence.

Temporary Shelter
Fire insurance can also provide temporary shelter for those whose homes were burned down. Usually a temporary shelter is provided for free.

Stricken Aircraft Why Home Fire Insurance Important?
Such an event is unlikely, but not impossible it happened. Fire insurance not only protects your home from falling commercial aircraft, but also of non-commercial aircraft, such as military aircraft, helicopters, and training planes. Why Home Fire Insurance Important?

    A financial management site provides kultwit the importance of insurance.
  1. Insurance is a form of investment that is crucial and it is important to keep you.
  2. Insurance can guarantee that when we lose jobs, property, forgery, physical health and also loss of life.
  3.  Most people overlook insurance, especially for those who feel young and will not feel invincible, it is a wrong opinion. Why Home Fire Insurance Important?
  4. Indeed, at a time when this is where insurance is reachable or purchased. Do not assume that the insurance is "dead money"
  5. You need to know that each insurance company has a different value and policy, then talk to your insurance agent.
  6. good insurance agent does not force you to tell all kinds of existing products. Instead, devise a plan of your life with the good.
  7. With good options here, then when you are over 60 years old and can not pay your premiums anymore, you have possessed great value accumulation.Why Home Fire Insurance Important?
    Already know? Well, take care and protect yourself so as not to suffer with that limited funds!


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