advantage car insurance
5 Main Advantages Of Insuring Your Car in Indonesia
There are many advantages that you can get to have
insurance, whether it be life, health, car, home, or any other type.
Unfortunately, despite many people realize the importance of having insurance,
many are still not aware of how important it is protected by insurance. Many
people are still ignoring the usefulness of insurance and the fact that they
will be spared from the worst possible, by having this type of investment.
One of the most important insurance to have is car
insurance. Given that mobility is one of the most important things in everyday
life, is quite reasonable if you begin to prepare for and protect one of your
assets with insurance. Let's look at the statistics the number of accidents
involving vehicles and died of injuries - including material loss - from 1992
to 2011.
We can see from these statistics that the number of
accidents is increasing from year to year. Maybe this time you are thankful
that you are not involved in the incidents of vehicles on the road, but could
you estimate the same thing in the future? What if you are involved in an
accident in which you become a victim? What if one of your family members
involved in the accident - either as victims or perpetrators? Insurance does
not guarantee that you will be separated from these problems, but at least you
do not have to constantly feel worried or afraid, lest you be involved in
incidents like those mentioned above.
After all, you can actually enjoy the benefits of
their car insurance. Here are the advantages of having such insurance:
- you can be free from the burden of thinking and fear that constantly. Haunted by anxiety that is not fun, is not it? Not only will it make your life is not quiet, you may develop the disease due to the stress of whack. With the insurance, at least you can feel at ease in performing daily life; not constantly feel worried or even become paranoid - the term now is paranoid. When you leave the house, there is no fear involved in an accident so your work productivity and comfort in driving will not be affected at all.
- you will be free from economic burden if something bad happens. Having a car does not mean you live in abundance. Many people who have limited income are forced to have a car because of the demands of work and high mobility. Imagine if in the midst of limited income that you are involved in a car accident, which led to you not only have to pay extra for repairs and also for medical expenses. Your expenses will automatically be doubled if you are the guilty party, so you have to bear the costs of the other party involved. You could have involved a huge debt, which of course would be an extra burden on you financially.
- have insurance frees you from the responsibility of a third party. Driving accidents can occur due to a single cause or involve other parties. If you are involved in a single accident, you do not need to worry about having to bear the burden of the cost of the other party. After all, you only think about yourself. Another case if there are others involved. With the insurance, not only you will be relieved of the costs of your own, you do not have to pay for a third party involved in the accident; let care insurance. Whether it's the cost of repairs and medical care, all of them can be excluded by insurance.
- insurance frees you from the extra costs in case of natural disasters or other incidents. We know that natural disasters are unpredictable or predictable. In the event of landslides, floods, earthquakes, or other things - that cause damage to your car - insurance will be ready to protect you. Including if you have follow-destruction (vandalism) or car theft.
- the insurance could be a good investment vehicle. If you think to save money while protecting your assets, insurance can be a very appropriate choice. Is not it nice to have all the means that can include multiple destinations at once?
Definition, Function, Purpose, Insurance.
Definition Definition.
Insurance is derived from the word that means the
insurance coverage. Insurance is an agreement between the insured or the
customer with the insurer or insurers. The insurer is willing to bear some
losses that may arise in the future after the insured agreed on the payment of
money called a premium. The premium is the money spent by the insured as
compensation to the insurer.
Under the Code of Commercial Law (Commercial code),
Insurance or Assured is defined as an agreement by which a binding to an
insured, to receive a premium, to provide reimbursement to him for the loss,
damage or loss of expected profit, which may be experienced as an event that is
not certain.
Formally, in the legislation, insurance is defined
as an agreement between two or more parties, which the parties committed
themselves to the insured person, by accepting insurance premiums, to provide
reimbursement to the insured for the loss, damage or loss of expected profit or
responsibility law third parties that may be suffered by the insured, arising
from an uncertain events, or giving a payment based on death or life of an
insured person.
The terms of the insurance agreement and the rights
and obligations of the parties contained in an insurance policy. Examples of
these are insurance life insurance, accident, loss, health and fire insurance.
Party risk that channel referred to as the
"insured", it is customers or people who delegate or transfer the
risk to be received, while the party receiving the risks referred to as the
"insurer" is the insurance companies that underwrite or replace the
loss of the customer.
Agreement between the two sides is called a policy.
This policy is a legal contract that explains all terms and conditions are
protected. fees paid by the "insured" to the "guarantor"
for the risk borne referred to as "premium". It's great value premium
is generally determined by the "insurer" which consists of funds that
can be claimed in the future, administrative costs, and profits.
Function Purpose Insurance
The main function of insurance is a mechanism of
transfer / transfer of risk or a risk transfer mechanism, which transfer risk
from one party to the other party, namely the insured that the insurer. The
transfer of risk is by no means eliminates the possibility of misfortune, but
the insurer to provide financial security facilities or financial security and
tranquility or peace of mind for the insured. In return, the insured is obliged
to pay premiums in a relatively small amount when compared with the potential
losses that might be natural.
Basic Principles of Insurance:
The basic principles that must be met by
institutions or companies engaged in the insurance business are:
- Insurable interest is the right to insure arising from a financial relationship between the insured and the insured with a legally recognized.
- Utmost good faith is An action to disclose accurately and completely, all the material facts or material fact about something to be insured whether requested or not. What it means is: the insurer must honestly explain clearly everything about the extent of the terms / conditions of insurance and the insured must also provide a clear and correct for objects or interests of the insured.
- Proximate cause is a cause of an active, efficient cause that chain of events that lead to a result without the intervention of the start and actively from new and independent source.
- Indemnity is a mechanism by which the insurer providing financial compensation to put the insured in a financial position that he had prior to the loss.
- Subrogation is the transfer of rights to demand from the insured to the insurer after a claim has been paid.
- Contribution is the Right of the insurer to invite other equally bear, but not necessarily the same obligations to the insured to help provide indemnity.
insurance for a child's future
Insurance Solutions
Education is the Future of Children
Insurance Solutions Education is the Future of Children - Immediately prepare for your child's education savings early, but many of the parents save their money in the savings bank with a perfunctory, without regard to the purpose or the costs to be incurred in the future. But what if there is a risk in saving money, you or your child are less fortunate, Suppose Hospital and had to be hospitalized, at least, the savings fund will be taken not for the cost of hospital treatment, your savings would not be reduced? Have you also think that?
One example of educational insurance products we are trying to take away from Commonwealth Life insurance company, and brought the product name Danatra Scholar certainty they prioritize the availability of funds for the education of children in the future.
While having a sense of purpose and the same insurance, education insurance and education savings have different characteristics. According to financial planners Yosi Yunasa, education insurance is insurance plus investment in education, whereas education is an investment savings for education covered by insurance.
Insurance Education is the solution for you who want to guarantee the availability of funds for the education of their children tercinta.Sebenarnya much more sense that your insurance education can help you in choosing the best insurance.
Function Insurance Education
Education Insurance Function - The main purpose of insurance is to shift risk education of our children can not continue their education if there are bad things happen in our lives so that we can no longer make money. To transfer this risk, we have to pay a premium. Thus, the purpose of this insurance is not to make our money grow rapidly, but as a precaution. This insurance can be likened to an umbrella that serves as protector. If it does not happen in our lives, the money we paid for this insurance will be lost. Once again I would like to tap-out that insurance is only for protective and not to make our money doubled.
Insurance education has the characteristic that the investment decision can be adapted to the schedule of your child's school and providing protection function. This means that the availability of funds the education of children remain guaranteed even though the risk of death happen to you
Education insurance is insurance that offers two uses (dual-purpose), which is a function of protection and investment. Protection function will bear the risk of death over you by promising certain amount of money if you experience unexpected events. The sum insured is given usually have adjusted to the cost of your children's education and have been agreed in the policy.
In terms of insurance, there are many more insurance article that discusses a wide range of insurance products in addition to insurance education.
Insurance Policy
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:
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.
INFO INSURANCE CLAIM
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.
INSURANCE IN INDONESIA
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
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
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.
- Life Insurance Dwiguna
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.
INSURANCE FOR THE PARENTS ARE HAPPY
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:
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.
