INSURANCE BENEFITS FOR FAMILIES

Tips for Choosing a Health Insurance Policy

Each type of insurance is basically good, because it provides protection for the future benefit financially, but in life we ​​have priorities, some insurance products are popular in Indonesia such as life insurance, health insurance, education insurance and investment savings proved to provide positive benefits that do not be surprised if Indonesia continues to increase insurance customers.

Health Insurance Policy

Buying insurance policy is like providing an umbrella before the rain, which will be very useful when needed. Health insurance is the 2 nd insurance after life insurance that is needed by everyone, especially for those of you who have a family. With increasingly high public interest would spur the growth of insurance new insurance companies in Indonesia, which offers a range of benefits and a very interesting product variants so do not be surprised if it creates confusion for potential new customers to choose a health insurance policy where the best can provide benefits.

Of course everyone is hoping to obtain large profits with minimum capital, as well as with prospective customers who wish health insurance

can buy a health insurance policy with insurance premiums as low as possible, but be able to get health insurance benefits as much as possible and do not expect the company suddenly go bankrupt or change the name so that we trouble when filing insurance claims.

Consider Tips on Choosing Health Insurance Policy following can be your guide in choosing the best insurance policy:

Tip 1:

Select Insurance Company with middle to high level at a time Re Insurance. Why should reinsurance ?, because if the company is an insurance and reinsurance company, the insurance company is the parent company or a large-scale in which the insurance company to obtain protection in the event of bankruptcy, so that we as customers would not be harmed.

Tip 2:

Note regarding the length of the waiting period to get insurance benefits, usually a waiting period ranging from 1 year's.

Tip 3:

Select health insurance that provides easy when you require hospitalization, where you do not need to pay a deposit in advance when your first day hospitalized, currently the system by simply show the card insurance you are able to use the facility as a hospital inpatient facility , the actions of doctors and medicines, the amount of coverage is of course with certain restrictions as stated in the health insurance policy.

Tip 4:

Check regarding matters that are not covered and the waiting period of a particular disease, started on the responsibility of the insurance company and how long since your own health insurance policy, to claim health care costs

Tip 5:

Look for health insurance have an age limit which is sufficiently far such insurance until the age of 75th. Because at the older man then baisanya be more susceptible to a disease. Each insurance company has their criteria, so we must be careful in choosing.

Tip 6:

Look for Health Insurance that provide convenience to you to purchase a new insurance policy even if you already have other health insurance policy.

Tip 7:

The health insurance we can buy pure without having to be taken in conjunction with life insurance it is to adjust to our needs.

Tip 8:

Find a health insurance policy that provides a warranty extension if we ever make a claim in bulk or often file a claim, it is important in order to still be able to obtain health protection.

Tips on choosing health insurance outlined above is enough to be used as a basis for choosing the best health insurance for you.

Insurance Claim
 

Insurance Claim - We often hear the term "Insurance Claims" but what exactly is meant by the Insurance Claims?

An insurance claim is a formal request to the insurance company, to request payment under the terms of the insurance policy. Insurance claims are submitted will be reviewed by the company for its validity and then paid to the insured upon approval.

The purpose of insurance claims is to provide benefits in accordance with the provisions of the insurance policy to the policyholder (insured). In order for insurance claims can be processed and paid by the insurance company, there are a variety of important provisions regarding the submission of claims to be considered.

The claims as stated in the policy. Before making an insurance claim, make sure that you have the appropriate benefits to those recorded in the insurance policy. For example: You only have life insurance only, then automatically if you file an insurance claim for hospitalization, the insurance company will not pay the claim. So go back and check your insurance benefits that have been taken, and make sure that you have insurance that will benefit you claim.

Policy is not in the waiting period. Make sure the insurance policy is not in the waiting period. That is the waiting period is the period of entry into force of insurance protection. Examples: for protection hospitalization due to illness, such as typhoid, dengue, etc. The waiting period is 30 days from the receipt of a participant insurance.    

Policy is still valid (in force). You have to make sure, too, that your policy is still in a state of Inforce / valid / active. So that your policy is always in a state of Inforce, make sure you make payments / transactions regularly (especially in the first two years, do not there is a hole).

Claims included in the coverage. Make sure that you ask not claim exemption listed in the policy. Example: You've never underwent kidney stone surgery, well when you propose a kind of insurance policy, you are told to medical. And it turns out medicalnya less good results, so as to pain because of kidney stones are not covered. So if you make a claim for kidney stones, auto insurance companies will not pay for it.

After the above provisions are met, the claims submitted by you shall be equipped with all the requirements and required supporting documents. So before the claim is made, check back claims criteria to be filed or contact your agent for help if all is appropriate. After the claim immediately submitted to the insurance company its best to speed up the process claim.

Types of Insurance In Indonesia

Types of Insurance In Indonesia - At this time many emerging insurance companies in Indonesia and its products are increasingly diverse, but not all types of insurance will suit your needs, every type of insurance has different benefits, for which the necessary caution before you decide to buy an insurance product, you should adjust to the needs and abilities and make sure that you get enough information about the track record of the insurance company you want to select it.

Life Insurance Indonesia

Information about the Indonesian insurance company can easily be obtained through articles - articles about insurance that spread across the Internet or forums insurance, from there you can get an idea as to what the insurance company. If the insurance company can be trusted will certainly many positive testimonials, vice versa if the poor performance of the insurance company would have many negative testimony outstanding. Consider Buying Tips Insurance Products

Types of Insurance Indonesia According to the Life Insurance Association of Indonesia consists of three kinds, namely:

Life Insurance This type will give you protection for life or permanent, whole life insurance is very suitable to be owned by those who need the protection of life at the same time savings fund that can be used for inheritance.

Term Life Insurance will provide protection masksimum with premium usually relatively low, therefore this type of insurance is much in demand by the prospective insured who have large insurance needs but have limited purchasing power of the insurance premiums.

This type of insurance will provide protection to provide some insurance money when the insured dies during the insurance period and within a certain period, which at the same time will also give the entire sum insured if he was still alive at the end of the period of coverage. Because it gives two benefits at once here, this is called endowment insurance. This product is suitable for candidates who want to policyholders insured is protected from the financial impact due to premature death.

From the above explanation it is clear that this type of insurance in Indonesia vary, you should carefully choose the benefits that can be drawn from the insurance will you take insurance if it complies with the needs and abilities or not.

Happiness Being Old In The Most Important Part

Happiness Being Old In The Most Important Part-It is the nature of every human being for whom increasing age certainly will change both physically and health, the differences are quite striking if we are comparing between human beings who are elderly with young people from starting stamina, agility and firmness.

But not with any human happiness both young and old there is no age limit for those who want to be happy, deciding that a person is happy or not themselves, generally every person can be said to be happy if yes, have achieved something in life to the achievement of something desired yes ,

Here are tips that you can prepare for happiness from now on for old age in the future:

1. Increase the spiritual, intellectual and emotional.

Good social relationship with the environment began to distribute shared hobby or other activities that will positively impact positively also to your mental health.

2. harmonious social relations.

These three aspects are the things you should optimize from now with this, your heart health will be maintained in the control of emotional intelligence and spiritual do not forget to regularly exercise.

3. The economic aspect

Although many people who say "money is not the only thing to ensure happiness" but your life will probably be happier if everything old future needs fulfilled with assets that you have, many ways to prepare the economy for the future happiness of one of them with investment savings or the easiest is to continue the hobby becomes more activities have economic value, for example planting and selling your crop yield.

Insurance online quickly taking over the world

Insurance online quickly taking over the world, replacing the old traditional measures which in the past seemed to be the right way to get insurance. Insurance online is growing, such as information technology becomes increasingly important in every moment.

When you plan to buy short-term life insurance, you will get insurance coverage for a certain period of time. It is certainly comparable whole premises funds you spend.

Health insurance online

Insurance is important for anyone not to mention you, everyone needs insurance even in Japan the level of policy ownership reaches 200% it is certainly reflects that insurance is needed.

Health insurance is a type of insurance in which the insurance company (private or government) pays medical costs to customers. There are a number of insurance companies that offer health insurance affordable and cheap. Buy health insurance online is easy and convenient than visiting insurance agent or a private company. By searching for different health insurance website, shoppers can learn all about health insurance, unit-linked and others.

Beberaa life insurance and rating the best deals as commlife which is the best insurance in Indonesia. With the amount of shares and over the times then commlife become one of the best insurance Indonesia.