In there are two types of insurance products that generally makes a product we know , among others, and life insurance losses . The following explanations may be useful :
a. Insurance Losses
Closing the coverage for loss due to damage or obliteration insured property due cause - a cause or event which the insured ( cause - a cause or danger - the danger referred to in the contract or insurance policy ) . In general insurance , the insurer receives a premium from the insured and in the event of damage or obliteration on the insured property compensation will be paid to the insured . This is an example of insurance products :
fire insurance
Sea Transport Insurance
Motor Vehicle Insurance
Boat Insurance Framework
Construction All Risk ( CAR )
Property / Industrial All Risk
Customs Bond Insurance
Surety Bond Insurance
Personal Accident Insurance
Health Insurance
and others
b . Life Insurance
Closing the insured to pay the amount of compensation due to a person's death or permanent life insurance term .In life insurance , the insurer receives a premium from the insured , and if the insured dies , the benefit ( sum assured ) is paid to the beneficiary or a person designated in the policy as beneficiaries . examples of this type of insurance is Pure Life Insurance ( Whole Life Insurance ) , Term Life Insurance , Short Term Life Insurance ( Term Insurance ) .
Wednesday, October 16, 2013
avoid risks that impede family togetherness
Planned family life is a form of love we give , ranging from the education of children who planned the details of planning a targeted , high quality infrastructure for the support that your baby education . Growing the business that you have in order to reach a satisfactory outcome for the foreseeable future and certainly can provide a rewarding investment for the family through insurance programs .
Various risks could become a bottleneck in the era of globalization the world is constantly evolving , ranging from the increasing cost of living , including the cost of education , people's lifestyles are affecting the health or dangerous disease risks , and other risks that could hamper family togetherness if not accompanied by a guarantee or life insurance policies for private and family life .
It's time to design a life to the fullest , because the risks can happen to anyone , anytime , and anywhere. Place your own family togetherness at the best level with appreciation that you give , embraces life and face many risks with guarantees that can protect you and your family .
Various risks could become a bottleneck in the era of globalization the world is constantly evolving , ranging from the increasing cost of living , including the cost of education , people's lifestyles are affecting the health or dangerous disease risks , and other risks that could hamper family togetherness if not accompanied by a guarantee or life insurance policies for private and family life .
It's time to design a life to the fullest , because the risks can happen to anyone , anytime , and anywhere. Place your own family togetherness at the best level with appreciation that you give , embraces life and face many risks with guarantees that can protect you and your family .
Monday, October 14, 2013
life insurance with benefits financial protection
Life insurance is a protection program in the form of financial risk transfer on death or life insured person. Life insurance is often posited as an umbrella or a float in the boat . Is needed because it is useful at times but when the unthinkable is safe .
When we are married we have a responsibility to meet the needs of family life and also required to be able to manage household finances to protect people - our loved ones financially .
How Life Insurance can provide protection Financial benefits ?
Financial protection referred to here is the creation of the flow of funds as the main source of income earner can no longer provide for his family , one of the ways in which to support the family financially is to purchase a life insurance policy .
Because by having a life insurance policy then the head of the family or primary source of income earner can provide financial protection for family members in case of things like unexpected death . Guarantee insurance will provide financial support for the family members left behind to be able to continue her life until they are independent .
When we are married we have a responsibility to meet the needs of family life and also required to be able to manage household finances to protect people - our loved ones financially .
How Life Insurance can provide protection Financial benefits ?
Financial protection referred to here is the creation of the flow of funds as the main source of income earner can no longer provide for his family , one of the ways in which to support the family financially is to purchase a life insurance policy .
Because by having a life insurance policy then the head of the family or primary source of income earner can provide financial protection for family members in case of things like unexpected death . Guarantee insurance will provide financial support for the family members left behind to be able to continue her life until they are independent .
Sunday, October 13, 2013
strategies for deciding on a automobile insurance plan
Choosing motor insurance isn't quick. Specifically in the midst of fierce rivalry these days. Almost all insurance companies possess automobile insurance plan goods. Stay potential customers to settle on what one respectable get. As a result beneath all of us current many conditions to ensure no person decided to go with:
1. Potential customers tend not to obsess with for the affordable advanced charges. As a result, in this rivalry, quite a few insurance companies slam rates, provides affordable advanced charges. Though possibly not a guarantee involving assistance.
only two. View the insurance plan bundle made available. By way of example, extensive extended warranties for you to simply how much. As a result, extensive security must be tweaked with the need in addition to ability to potential customers.
3. View furthermore the particular community involving insurance companies anxious. By way of example, how many possess a branch company or even how many partners possess a storage area, to ensure zero declare would not hang on lengthy to mend the car or even motor vehicles claimed missing.
4. Might be asked 1st convenience, ability or even what exactly additional price can be purchased while purchasing the insurance policy from the firm. By way of example, is there the pull pick up truck, automobile substitution or even hotline solutions, technician solutions, ambulances and the like. And also, finally is easy to produce adjustments as well as convenience inside wondering.
5. Think about furthermore bonafides insurance firm. Do not get therefore there exists a declare, the particular working area would not possess a lover. As a result, quite a few insurance companies declare they may be the very best. Whereas financial issue was extremely critical.
In addition to the preceding, there are numerous elements that should be considered in the process involving choosing a insurance firm, which include inside choosing the product or service. It is important to keep in mind that will inside deciding on a individual insurance firm, after that that should be considered generally speaking tend to be three elements.
1st, the particular financial energy (security ). Next, assistance ( assistance ). And also third, expense or even expense. The financial energy involving insurance plan linked to send out financial ability to meet the promise should the predicament needs. You should learn, since an excellent number of insurance companies are looking for the particular fancy external surfaces. By way of example storey developing, beneficial owners motor vehicles. But while presently there promises through consumers, this company cannot pay out.
With examining the particular financial energy these there are numerous criteria that will need to be considered.
the. Belongings in addition to financial obligations. It can be seen from the combined balance published can be published from the newspaper. View furthermore, whether or not selected and planted with the current economic investment or even longterm. In terms of responsibility ( capacity in order to financial obligations ) will glance at the balance published, how the financial obligations by reinsurers, the way he or she satisfied his or her responsibility to pay for promises, and the like.
Signals involving online financial obligations incorporate fairness (own cash ) separated by online monthly premiums ` ` ( online monthly premiums ) involving at the least 50 %. Own cash separated by ` uncouth ` monthly premiums ( uncouth monthly premiums ) involving at the least 20 %. Limit the degree of solvency, as seen through its very own cash separated by online monthly premiums involving at the least ten percent in addition to investment finances techie stores separated by at the least 100 %.
n. Underwriting Insurance plan. In the balance published in addition to annual survey will probably be seen that the insurance plan remains the income, or even income progress. Which means that his or her insurance policy underwiting beneficial.
chemical. Their underwriters. Insurance plan offers staff certified or even not necessarily. It's acknowledged from the user profile involving businesses that includes the particular underwriters him.
Companies ( assistance ) is a reflection on the degree involving human resources with the company's certified or even not necessarily. Additionally, the particular insurance firm can be offering a site, therefore fantastic assistance is the important. By way of example, the particular degree for you to that your swiftness involving assistance inside both the insurance policy concern specifically from the transaction involving compensation or even declare.
Also, in regards to the assistance could possibly always be experienced by the consumer. Is the insurance firm was definitely the very best solutions because of its consumers.
On this connection it should furthermore always be wondered, whether or not the insurance firm is actually reinsurance mereasuransikan school security. It can be seen from the annual survey. You should take note, if this company isn't backed - in place by reinsurance, this company may very well be speculative inside having the particular monthly premiums.
Sixty simply how much the fee sustained by insurance companies in operation. Whether it is in excess of the price of accessibility, it's apparent this company isn't effective. Whether it's not necessarily effective, this can be losing money. And also, should you regularly eliminate, most certainly not healthful.
On this connection can also start to see the value monthly premiums. Review the buying price of insurance fees having different insurance plan. Where the top quality is actually beneficial.
These days the government offers collection the standard involving medical insurance ( not necessarily the only one ) can be by way of mekanime RBC ( Risk Bottom CAITAL ). In the event that RBC variety was substantial, what this means is this company can be appreciated inside good shape. But all of us mustn't be fixated exclusively having RBC numbers. As a result, it could be a sizable firm that is certainly doing a real significant development for you to open quite a few limbs, after that his or her RBC numbers could well be tiny.
Rather, there exists a tiny insurance firm yet to not ever expand, the particular RBC variety was likely considerably greater.
As a result, RBC numbers can not be employed for the reason that simply calculate, whether or not the insurance firm can be healthful or even not necessarily.
In this case, furthermore significant is the company's functionality in the last several years. The size of earnings each year, simply how much uncouth monthly premiums they acquire each year, simply how much further cash in addition to resources each year.
And also, finally can be how the conduct on the company's supervision through the years. Perhaps there is the supervision firm due to this cracked promise? Features the corporation seasoned supervision and also other fails.
1. Potential customers tend not to obsess with for the affordable advanced charges. As a result, in this rivalry, quite a few insurance companies slam rates, provides affordable advanced charges. Though possibly not a guarantee involving assistance.
only two. View the insurance plan bundle made available. By way of example, extensive extended warranties for you to simply how much. As a result, extensive security must be tweaked with the need in addition to ability to potential customers.
3. View furthermore the particular community involving insurance companies anxious. By way of example, how many possess a branch company or even how many partners possess a storage area, to ensure zero declare would not hang on lengthy to mend the car or even motor vehicles claimed missing.
4. Might be asked 1st convenience, ability or even what exactly additional price can be purchased while purchasing the insurance policy from the firm. By way of example, is there the pull pick up truck, automobile substitution or even hotline solutions, technician solutions, ambulances and the like. And also, finally is easy to produce adjustments as well as convenience inside wondering.
5. Think about furthermore bonafides insurance firm. Do not get therefore there exists a declare, the particular working area would not possess a lover. As a result, quite a few insurance companies declare they may be the very best. Whereas financial issue was extremely critical.
In addition to the preceding, there are numerous elements that should be considered in the process involving choosing a insurance firm, which include inside choosing the product or service. It is important to keep in mind that will inside deciding on a individual insurance firm, after that that should be considered generally speaking tend to be three elements.
1st, the particular financial energy (security ). Next, assistance ( assistance ). And also third, expense or even expense. The financial energy involving insurance plan linked to send out financial ability to meet the promise should the predicament needs. You should learn, since an excellent number of insurance companies are looking for the particular fancy external surfaces. By way of example storey developing, beneficial owners motor vehicles. But while presently there promises through consumers, this company cannot pay out.
With examining the particular financial energy these there are numerous criteria that will need to be considered.
the. Belongings in addition to financial obligations. It can be seen from the combined balance published can be published from the newspaper. View furthermore, whether or not selected and planted with the current economic investment or even longterm. In terms of responsibility ( capacity in order to financial obligations ) will glance at the balance published, how the financial obligations by reinsurers, the way he or she satisfied his or her responsibility to pay for promises, and the like.
Signals involving online financial obligations incorporate fairness (own cash ) separated by online monthly premiums ` ` ( online monthly premiums ) involving at the least 50 %. Own cash separated by ` uncouth ` monthly premiums ( uncouth monthly premiums ) involving at the least 20 %. Limit the degree of solvency, as seen through its very own cash separated by online monthly premiums involving at the least ten percent in addition to investment finances techie stores separated by at the least 100 %.
n. Underwriting Insurance plan. In the balance published in addition to annual survey will probably be seen that the insurance plan remains the income, or even income progress. Which means that his or her insurance policy underwiting beneficial.
chemical. Their underwriters. Insurance plan offers staff certified or even not necessarily. It's acknowledged from the user profile involving businesses that includes the particular underwriters him.
Companies ( assistance ) is a reflection on the degree involving human resources with the company's certified or even not necessarily. Additionally, the particular insurance firm can be offering a site, therefore fantastic assistance is the important. By way of example, the particular degree for you to that your swiftness involving assistance inside both the insurance policy concern specifically from the transaction involving compensation or even declare.
Also, in regards to the assistance could possibly always be experienced by the consumer. Is the insurance firm was definitely the very best solutions because of its consumers.
On this connection it should furthermore always be wondered, whether or not the insurance firm is actually reinsurance mereasuransikan school security. It can be seen from the annual survey. You should take note, if this company isn't backed - in place by reinsurance, this company may very well be speculative inside having the particular monthly premiums.
Sixty simply how much the fee sustained by insurance companies in operation. Whether it is in excess of the price of accessibility, it's apparent this company isn't effective. Whether it's not necessarily effective, this can be losing money. And also, should you regularly eliminate, most certainly not healthful.
On this connection can also start to see the value monthly premiums. Review the buying price of insurance fees having different insurance plan. Where the top quality is actually beneficial.
These days the government offers collection the standard involving medical insurance ( not necessarily the only one ) can be by way of mekanime RBC ( Risk Bottom CAITAL ). In the event that RBC variety was substantial, what this means is this company can be appreciated inside good shape. But all of us mustn't be fixated exclusively having RBC numbers. As a result, it could be a sizable firm that is certainly doing a real significant development for you to open quite a few limbs, after that his or her RBC numbers could well be tiny.
Rather, there exists a tiny insurance firm yet to not ever expand, the particular RBC variety was likely considerably greater.
As a result, RBC numbers can not be employed for the reason that simply calculate, whether or not the insurance firm can be healthful or even not necessarily.
In this case, furthermore significant is the company's functionality in the last several years. The size of earnings each year, simply how much uncouth monthly premiums they acquire each year, simply how much further cash in addition to resources each year.
And also, finally can be how the conduct on the company's supervision through the years. Perhaps there is the supervision firm due to this cracked promise? Features the corporation seasoned supervision and also other fails.
Thursday, October 10, 2013
which are the best savings in banks or insurance education ?
Saving money is a good thing for us to do , especially to meet the needs in the future . Given the inflation rate in Indonesia is increasing. Future needs of the example is education for children .
Education plan for children should we do as early as possible , ranging from 1 -year -old son , so that in time our children enter school as parents do not have to worry looking for funds to pay for school tuition .
In the insurance papers explained that the importance of saving functions in the future then we have to decide where to save the safe , which of course has advantages compared with savings elsewhere . Most people choose a place to save on some financial institutions such as banks or insurance companies . So which is the best , save in the bank or insurance ?
In Saving Bank
There are some banks who have savings deposit program for children's education , by offering benefits withdrawals within a certain time period other than that there is also the offer of a prize draw directly from the bank . You need to dig the fullest information about this product before deciding which will save money , you should know first about the system is flexible setorannya whether or not , you also have to think about the risks of life that could have happened to you ( critical illness , permanent disability , death ) that causes can not deposit money for children's education savings funds have been able to direct liquid or forfeited because the customer can not meet program requirements have been made before ? Will the bank give compensation to customers who are experiencing the disaster ? ertanyaan This may seem trivial but it helps us ask first so not wrong in choosing educational savings programs for children .
Saving on Insurance Companies
Saving for child education insurance the company is basically the same as the system if we save in the bank , if the difference is the way you save and your savings plan targets have not been reached, but you did something you ( critical illness , permanent disability , death ) , then the insurers will provide insurance and guarantees to replace your child's education savings deposit until the time period specified in the insurance policy that has been agreed upon between you and the insurance company .
Education plan for children should we do as early as possible , ranging from 1 -year -old son , so that in time our children enter school as parents do not have to worry looking for funds to pay for school tuition .
In the insurance papers explained that the importance of saving functions in the future then we have to decide where to save the safe , which of course has advantages compared with savings elsewhere . Most people choose a place to save on some financial institutions such as banks or insurance companies . So which is the best , save in the bank or insurance ?
In Saving Bank
There are some banks who have savings deposit program for children's education , by offering benefits withdrawals within a certain time period other than that there is also the offer of a prize draw directly from the bank . You need to dig the fullest information about this product before deciding which will save money , you should know first about the system is flexible setorannya whether or not , you also have to think about the risks of life that could have happened to you ( critical illness , permanent disability , death ) that causes can not deposit money for children's education savings funds have been able to direct liquid or forfeited because the customer can not meet program requirements have been made before ? Will the bank give compensation to customers who are experiencing the disaster ? ertanyaan This may seem trivial but it helps us ask first so not wrong in choosing educational savings programs for children .
Saving on Insurance Companies
Saving for child education insurance the company is basically the same as the system if we save in the bank , if the difference is the way you save and your savings plan targets have not been reached, but you did something you ( critical illness , permanent disability , death ) , then the insurers will provide insurance and guarantees to replace your child's education savings deposit until the time period specified in the insurance policy that has been agreed upon between you and the insurance company .
Wednesday, October 9, 2013
full explanation of the insurance policy
When it comes to insurance , one of the terms most frequently referred to is the insurance policy . Actually what is the insurance policy ?
Definition of an insurance policy is the insurance document that contains the agreement between the insured ( customer ) with the insurer ( the insurance company ) . Thus , the insurance policy is a contract that the insurance company will cover a number of future losses that may arise on insurance customers . Sometimes , people call this insurance policy also with the term ' contract ' , ' contract polis ' , or ' certificate of insurance.
This insurance policy is important for customers and insurance companies . Here's the function of the insurance policy .
- As written evidence for both sides ( the insured and the insurer ) in a deal that has been agreed upon .
- For customers , the policy means the guarantee of reimbursement from the insurance if something unexpected happens as stated in the policy . Looking for an insurance company , the policy means a premium receipt from the customer .
- For customers , the policy means the insurance premium payment receipt . With the policy as well , customers can sue the insurance company if it does not fulfill the obligations as agreed in the insurance policy.
Before you decide to buy an insurance policy , you should first know the benefits and details of the insurance product . Likewise when the policy is issued , you should carefully read their points across . Especially in the following sections .
- Note the premiums . Also mentioned in the policy premium to be paid . Make sure that the premium payment system as previously promised by the insurance agent .
- Insurance benefits . On the insurance policy clearly stated what are the benefits that you can receive . You need to study them carefully to ensure that you can match the benefits they've promised .
- See exceptions . You need to also understand what are the exceptions that make insurance benefits can not be enjoyed .
If you already have an insurance policy , there are some important things you need to keep well .
Policy number . When dealing with the insurance company , you will usually be asked about the policy number . Because it's very good for you to keep the policy number . For example , you can save the policy number on the phone . So if at any time it takes , you can easily find it .
Save the policy file . Keep the insurance policy carefully . So that if you need can be easily retrieved .
Definition of an insurance policy is the insurance document that contains the agreement between the insured ( customer ) with the insurer ( the insurance company ) . Thus , the insurance policy is a contract that the insurance company will cover a number of future losses that may arise on insurance customers . Sometimes , people call this insurance policy also with the term ' contract ' , ' contract polis ' , or ' certificate of insurance.
This insurance policy is important for customers and insurance companies . Here's the function of the insurance policy .
- As written evidence for both sides ( the insured and the insurer ) in a deal that has been agreed upon .
- For customers , the policy means the guarantee of reimbursement from the insurance if something unexpected happens as stated in the policy . Looking for an insurance company , the policy means a premium receipt from the customer .
- For customers , the policy means the insurance premium payment receipt . With the policy as well , customers can sue the insurance company if it does not fulfill the obligations as agreed in the insurance policy.
Before you decide to buy an insurance policy , you should first know the benefits and details of the insurance product . Likewise when the policy is issued , you should carefully read their points across . Especially in the following sections .
- Note the premiums . Also mentioned in the policy premium to be paid . Make sure that the premium payment system as previously promised by the insurance agent .
- Insurance benefits . On the insurance policy clearly stated what are the benefits that you can receive . You need to study them carefully to ensure that you can match the benefits they've promised .
- See exceptions . You need to also understand what are the exceptions that make insurance benefits can not be enjoyed .
If you already have an insurance policy , there are some important things you need to keep well .
Policy number . When dealing with the insurance company , you will usually be asked about the policy number . Because it's very good for you to keep the policy number . For example , you can save the policy number on the phone . So if at any time it takes , you can easily find it .
Save the policy file . Keep the insurance policy carefully . So that if you need can be easily retrieved .
Tuesday, October 8, 2013
parental insurance prepare early education
Children are everything to every parent . So no wonder if the attention of every parent would be centered on their children , ranging from the process of pregnancy , birth , growth , to maturity and to ensure the future of the child , not uncommon for people tuapun begin preparing for their insurance products . For example, starting from his childhood , when you're done with exclusive breastfeeding until a baby is 6 months old , the baby's parents will accustom them to begin to provide food support . Surely that would be required to support food at its best. Babies need quite a lot of foods that have a high nutrient content for growth .
Healthy food for babies should be natural foods , are foods that are free from harmful preservatives , coloring agents , flavoring, and also made instantly spices . It also is an attempt to make the kids have health and good growth , so that later became a smart kid and could be useful . In addition , to support health , not forgetting hygiene should be fostered .
Completing all of them , early education is paramount in the family that children can someday be a good person , either for themselves or for others . Well , to support an education , in addition to early education in the family , the child also needs to get a formal education in a place that would be useful for the development of their mental and socializing with his friends . To support the education of the baby in order to always be able to enjoy a good education , it is now often the parents have set up education insurance . Because they realize a lot of unexpected things that may interfere with education funding so beloved children .
Healthy food for babies should be natural foods , are foods that are free from harmful preservatives , coloring agents , flavoring, and also made instantly spices . It also is an attempt to make the kids have health and good growth , so that later became a smart kid and could be useful . In addition , to support health , not forgetting hygiene should be fostered .
Completing all of them , early education is paramount in the family that children can someday be a good person , either for themselves or for others . Well , to support an education , in addition to early education in the family , the child also needs to get a formal education in a place that would be useful for the development of their mental and socializing with his friends . To support the education of the baby in order to always be able to enjoy a good education , it is now often the parents have set up education insurance . Because they realize a lot of unexpected things that may interfere with education funding so beloved children .
Monday, October 7, 2013
health insurance for entrepreneurs
Health insurance for some people still considered less important , especially if you 're young and never got the disease . Insurance is not a product that can be consumed in the near future , the benefits can only be felt when there is an accident or claim .
If you are an entrepreneur or work in the informal sector who do not have health insurance , it will be a disadvantage if you are going to buy a new insurance policy when you have severe pain and a lot of money for hospital treatment .
For an entrepreneur if you get sick or suffer permanent disability due to an accident will have a lot of financial losses , because they have to bear the cost of treatment themselves , and can not make a living . Than if you are working in a large company or government diinstansi work , usually will obtain health insurance that would cover the cost if the pain and bulananpun fixed salary paid .
Thus health insurance should be held as early as possible before an event that we do not want to happen , especially if you work as an entrepreneur or work at a company that does not provide a guarantee kesehatan.Informasi insurance is very important for you to know the type of insurance and products .
If you are an entrepreneur or work in the informal sector who do not have health insurance , it will be a disadvantage if you are going to buy a new insurance policy when you have severe pain and a lot of money for hospital treatment .
For an entrepreneur if you get sick or suffer permanent disability due to an accident will have a lot of financial losses , because they have to bear the cost of treatment themselves , and can not make a living . Than if you are working in a large company or government diinstansi work , usually will obtain health insurance that would cover the cost if the pain and bulananpun fixed salary paid .
Thus health insurance should be held as early as possible before an event that we do not want to happen , especially if you work as an entrepreneur or work at a company that does not provide a guarantee kesehatan.Informasi insurance is very important for you to know the type of insurance and products .
Saturday, October 5, 2013
the benefits of life insurance savings
To meet their needs in the future , most people do with saving money . By setting aside a portion of income for savings . The future needs for example to children's education , medical expenses , working capital , buying a new car , as well as for the preparation of the old days , or sometimes also to meet unforeseen needs . For example, a family member is seriously ill so costly .
Often we find many people who have the belief that saving is better than buying an insurance product , perhaps even including us , but whether we 've realized that by having investments in life insurance savings we will gain greater financial benefits to saving in the bank ( conventional ) and plans for the future we will be easily achieved ? To prove this let us look through the illustration of the comparison below :
example :
Sir Jon is currently 29 years old and had one son who was 3 years old , he has a plan that 15 years later hoping to have enough fund of 180 million , to put their children to college. To realize this plan pack heru monthly saving 1 million , then what would happen if in case pack Heru he had an accident that resulted in disability or death in year 4 before the target savings achieved ?
• Savings in Bank ( conventional )
Jon died so pack the product and savings will berahkir heirs will receive according to the amount of savings deposited by heru pack , when the pack Heru who died at age savings - 4th year the heirs would only receive 48 million plus interest . If the pack heru not die but suffered permanent disability , he was the backbone of the family can not continue to save because of difficulty making a living , even the funds that have been collected for the purposes of education , which was originally used for the purposes of child threatened by other more urgent , because we can save money in the bank grab cash at any time . And what about the plans for his lecture ? Certainly it would be difficult to be achieved .
• Saving and investing in Life Insurance company
By the time the pack Heru death the beneficiary will receive the full amount of bail funds listed on a life insurance policy . If the pack heru suffer permanent disability due to an accident , then the savings of 1 million per month which should be the responsibility of Sir Jon will be paid by the insurance company until the contract expires as stated in the insurance policy . If he dies the heirs will still receive the sum assured in accordance with the insurance policy contract . For example, 180 million ( although the number of new Jon savings pack 48 million over 4 years ) so the above illustration is clear that the ideal pack to lecture her son Heru will be more easily achieved with the help of insurance .
From the examples above illustrate , we can conclude that the savings investment in life insurance benefits better protection against the value of your money for the long term , and provide assurance to the achievement of future plans , in addition to life insurance also gives you a sense of security and freedom from feelings of worry if this happens - the unexpected .
Often we find many people who have the belief that saving is better than buying an insurance product , perhaps even including us , but whether we 've realized that by having investments in life insurance savings we will gain greater financial benefits to saving in the bank ( conventional ) and plans for the future we will be easily achieved ? To prove this let us look through the illustration of the comparison below :
example :
Sir Jon is currently 29 years old and had one son who was 3 years old , he has a plan that 15 years later hoping to have enough fund of 180 million , to put their children to college. To realize this plan pack heru monthly saving 1 million , then what would happen if in case pack Heru he had an accident that resulted in disability or death in year 4 before the target savings achieved ?
• Savings in Bank ( conventional )
Jon died so pack the product and savings will berahkir heirs will receive according to the amount of savings deposited by heru pack , when the pack Heru who died at age savings - 4th year the heirs would only receive 48 million plus interest . If the pack heru not die but suffered permanent disability , he was the backbone of the family can not continue to save because of difficulty making a living , even the funds that have been collected for the purposes of education , which was originally used for the purposes of child threatened by other more urgent , because we can save money in the bank grab cash at any time . And what about the plans for his lecture ? Certainly it would be difficult to be achieved .
• Saving and investing in Life Insurance company
By the time the pack Heru death the beneficiary will receive the full amount of bail funds listed on a life insurance policy . If the pack heru suffer permanent disability due to an accident , then the savings of 1 million per month which should be the responsibility of Sir Jon will be paid by the insurance company until the contract expires as stated in the insurance policy . If he dies the heirs will still receive the sum assured in accordance with the insurance policy contract . For example, 180 million ( although the number of new Jon savings pack 48 million over 4 years ) so the above illustration is clear that the ideal pack to lecture her son Heru will be more easily achieved with the help of insurance .
From the examples above illustrate , we can conclude that the savings investment in life insurance benefits better protection against the value of your money for the long term , and provide assurance to the achievement of future plans , in addition to life insurance also gives you a sense of security and freedom from feelings of worry if this happens - the unexpected .
life insurance for the important is still single ?
You are still young , single , have not had children have the life insurance is important ? Most discourse about the importance of life insurance is more focused on the head of the family as the backbone of the family , in order to protect the family financially if the bear dies , then what are you still single ?
Is there a person who suffered a loss when we die ? It seems not ... but , however , although we do not rely on others , we are still going to leave the credit card debt , mortgage , cash loans , until the cost of the funeral . Again terdekatlah family to bear .
Life insurance policy will generally cover all these costs . In the described insurance information , The younger you buy insurance , you can get a cheaper premium . Insurance will also ensure that costs you remove it if you have health problems later is called the insurance policy .
Is there a person who suffered a loss when we die ? It seems not ... but , however , although we do not rely on others , we are still going to leave the credit card debt , mortgage , cash loans , until the cost of the funeral . Again terdekatlah family to bear .
Life insurance policy will generally cover all these costs . In the described insurance information , The younger you buy insurance , you can get a cheaper premium . Insurance will also ensure that costs you remove it if you have health problems later is called the insurance policy .
Friday, October 4, 2013
become a sustainer insurance alternative family
How was the amount , money is no substitute for the price of a life , especially the lives of our dear father so . A figure that will never be replaced , now only rewarded with a compensation amount of dollars .
At least that's the brief description will change the life insurance money that will be given to the family of the owner of the policy. At first it may have an insurance policy is not a priority choice in life , but considering the type of work the head of the family did not have the assurance to public servants like the old days , so any type of life insurance is an important option .
It is true that the life a person can never be replaced by money , but what if you do not have a life insurance policy and deposit ? By chance alone , we are a family that has enough members , especially with the average age is still in school and obviously costly. In this case our dad is gone can still send us , can still be the backbone of the family savings , life insurance , and deposits which he has had during his lifetime .
It is also one of the alternative resolution of financial problems no doubt would often appear in everyone's family life . So , for what no doubt have insurance ?
At least that's the brief description will change the life insurance money that will be given to the family of the owner of the policy. At first it may have an insurance policy is not a priority choice in life , but considering the type of work the head of the family did not have the assurance to public servants like the old days , so any type of life insurance is an important option .
It is true that the life a person can never be replaced by money , but what if you do not have a life insurance policy and deposit ? By chance alone , we are a family that has enough members , especially with the average age is still in school and obviously costly. In this case our dad is gone can still send us , can still be the backbone of the family savings , life insurance , and deposits which he has had during his lifetime .
It is also one of the alternative resolution of financial problems no doubt would often appear in everyone's family life . So , for what no doubt have insurance ?
Wednesday, October 2, 2013
jelly before signing insurance policy
Health insurance until recently become one of the most avoided by most people , in fact rarely even when they hear the word insurance straight away and frowned . It may also be that you are experiencing, even if there is not infrequently insurance sales call and offer you any insurance product immediately reject it and reluctant to talk at length with them .
Not just only that , because of the large insurance news about people who feel aggrieved by its insurance policy , because they feel that the management is difficult and cumbersome , if any can be taken care of quickly , then only the health insurance cover or bear trifles temeh are often not much help , but feel a policyholder has to pay quite dearly for it .
Do you also experience it ? In determining health insurance , it helps you select the insurance product that has been reliable and of course with good credibility . Once you determine which insurance products you will use, then try to carefully before signing the papers and treaty agreements , read well so that you know what it is insurance for your order .
This is very important , because not infrequently the only signature without first read the agreement , regulations , from insurance policies to be taken . And things like this that will eventually lead you to a word " fraud " or other negative things that are now often leveled at the insurance company . In fact, if you can be more thoroughly before signing the insurance contract , you can do if you feel the insurance denial was not enough to help you . Because obviously a wise consumer has the right to get the best service .
Not just only that , because of the large insurance news about people who feel aggrieved by its insurance policy , because they feel that the management is difficult and cumbersome , if any can be taken care of quickly , then only the health insurance cover or bear trifles temeh are often not much help , but feel a policyholder has to pay quite dearly for it .
Do you also experience it ? In determining health insurance , it helps you select the insurance product that has been reliable and of course with good credibility . Once you determine which insurance products you will use, then try to carefully before signing the papers and treaty agreements , read well so that you know what it is insurance for your order .
This is very important , because not infrequently the only signature without first read the agreement , regulations , from insurance policies to be taken . And things like this that will eventually lead you to a word " fraud " or other negative things that are now often leveled at the insurance company . In fact, if you can be more thoroughly before signing the insurance contract , you can do if you feel the insurance denial was not enough to help you . Because obviously a wise consumer has the right to get the best service .
Tuesday, October 1, 2013
public enthusiasm insurance will need back enhanced
Although life insurance growth in Indonesia continued to experience rapid growth , but when compared to the growth of insurance in another country , Indonesia can still be said to be far behind , in other countries are very diverse types of insurance to have insurance tubuhpun care .
Indonesia 's growing insurance industry is expected to be stable with the awareness of the importance of insurance is not evenly distributed , even if the claim is to be paid the insurance companies is increasing as well , it shows the progress of the development of a balanced , because the return on the insurance goal to protect people's lives and welfare of the people's survival .
The enthusiasm of the community needs to be increased through the re- insurance information through a variety of media , so pertumbuhannyapun experienced similar things , especially in this era of globalization of community participation in the insurance program will greatly assist people facing the possibility of bad in life , especially the surge in the cost of education is increasing.
Indonesia 's growing insurance industry is expected to be stable with the awareness of the importance of insurance is not evenly distributed , even if the claim is to be paid the insurance companies is increasing as well , it shows the progress of the development of a balanced , because the return on the insurance goal to protect people's lives and welfare of the people's survival .
The enthusiasm of the community needs to be increased through the re- insurance information through a variety of media , so pertumbuhannyapun experienced similar things , especially in this era of globalization of community participation in the insurance program will greatly assist people facing the possibility of bad in life , especially the surge in the cost of education is increasing.
Monday, September 30, 2013
glossary - terms in insurance
Glossary - Terms In Insurance - Insurance Information is very important to give to the community , because Insurance has a lot of terms , so often we are still unfamiliar with the insurance difficulty to understand the meaning of the term - a term contained in such insurance . Definition that the authors have to say here is only a free explanations , definitions and interpretations can vary between insurance companies and products .
Here are some terms in insurance :
Application : The document that contains the statement of facts made by a person who submitted a request for insurance coverage used by insurance companies as the basis for decision making in insurance policies .
Term Insurance ( Term Insurance ) : Life insurance policy with specific coverage period ( not lifetime )
Life Insurance ( Whole Life Insurance ) : life insurance policies that provide coverage for life . Also called permanent insurance .
Dana : A group of wealth managed by insurance companies which can be separately identified as belonging to policyholders invested in accordance with the provisions of the policy.
Endorsement / Amendment Policy : Letters ( documents ) of the changes to some of the data that has been published in the policy , such changes can be heirs , premiums , or the effective date of the policy , or other changes .
Excess Claim : A number of the excess money on health care expenses of the maximum amount of benefits that apply to a participant / dependents or a number of health care costs including those which are not guaranteed by the insurance company in accordance with the policy provisions .
Group Savings Plan : pension insurance program to delay the payment of benefits after retirement provided by the insurance company to the participants but to pay premiums borne by the employer .
In force : Status where an insurance policy " active " and legally binding .
Claim : A request or demand payment of benefits in accordance with the provisions stipulated in the policy .
Coordination of Benefits ( Coordination of Benefits / COB ) : Provisions or procedures used for the insurance company to avoid duplicate payments when a person is covered by more than one policy .
Report of Medical Examination (medical report) : report on the health condition of the prospective insured is filled by a general practitioner or specialist based on physical examination and an interview with the prospective insured .
Lapse : Cancellation or termination of the effective period of the policy because the premium is not paid after a grace period .
Policy Benefits : The amount to be paid by the insurer to the claimant / beneficiary / representative or a party providing health services (providers ) , depending on the type of coverage .
Death Benefit : The amount paid after the death of the insured .
Grace Period ( Grace Period ) : The period of time after the premium due date continued where premiums can still be paid without any payment of interest and the coverage is still in force . The grace period varies depending on the type of policy and the payment stage .
Wait Period ( Waiting Period ) : The period of time after the policy was published in which health costs insured nor guaranteed by the policy. Long waiting period is generally six months to 2 years and only applies to health care costs due to illness , not because of an accident .
Customer ( client ) : Clients are individuals or groups who established a business relationship with an insurance company . Customer may be prospective policyholder ( prospects ) , the policyholder , and former policyholders or family / representative .
Cash Value / Redeem ( Cash / Surrender Value ) : Components of " savings " in the traditional life insurance , the excess money set aside from the premium after deducting the costs of the insurance follows the accumulated investment results ( interest ) .
Policyholder : the person or group of people who perform engagements insurance contract ( policy ) to the insurance company . Policy holder (policy holder) which is also called the policy owner (policy owner ) are parties to a premium payment .
Recovery Policy ( Reinstatement ) : Recovery of the effectiveness of coverage for policyholders who already lapse .
Redemption policy ( Surrender ) : Cancellation before the expiration of the insurance policy by the policyholder .
Policy extension ( Renewal ) : Extension of the coverage period beyond the deadline initially by the policyholder and the insurance company approved by the continued payment of a premium .
Recovery period ( Reinstatement Period ) : The period in which the policy has been lapse can still be recovered . Recovery period usually is one year after the final maturity date , in which the policyholder must pay the unpaid premiums with interest so that the policy can be restored .
Beneficiary ( Beneficiary ) : The person or organization who received payment of policy benefits .
Participants : Employees are eligible for the insured , was registered by the Policyholder and approved by the insurance company based on the results of risk selection ( underwriting ) .
Policy Loan : A loan granted to policyholders of insurance companies are secured by the cash value of the policy . Reduce the amount of the outstanding loan policy benefits .
Polis : insurance agreement between the insurer and the policyholder as well as other documents which are the inseparable unity with the insurance agreement , including certificates for participants in group insurance . Insurance policies are also often called the policy contract or the contract .
- Unit Link Insurance Policy : Life insurance policy that meets the following criteria : a. value of promised benefits is determined by the investment performance of subdana formed for the link unit , b . value of the benefits derived from the investment subdana expressed in units , and c . containing insured risk of natural death .
Traditional Insurance Policy : The insurance policy that does not have a separate component such as investments in unit -linked insurance policies . Traditional life insurance policy may contain a savings component or not ( pure insurance ) .
Annuity policy : Policy that accommodate and develop a number of funds that can be used after passing the age of retirement . After a specified age , the insurance company will pay a monthly annuity benefits in the form of a sum of money and at the same time when the insured ( anuitan ) reaches a certain age or death .
Individual Policy : The insurance policy that provides insurance coverage to an individual / individuals and , in some cases , family members .
Set policy : An insurance policy that provides coverage to an employer or other party to insurance risk group of people formally employed or have other business ties with him .
Pre -existing Condition : A health problem that existed before the effective date of insurance coverage ( six months to 2 years ) . Insurance companies generally do not bear a pre - existing condition , or just a bear after a waiting period ( waiting period ) .
Premiums : A sum of money set forth in the policy approved by the policyholder , to be paid to the appropriate insurance company agreed that the policy remains active . Are included in the insurance premium is the First Premium , Premium Advanced , Premium and Premium Extension Policy Change .
Reinsurance : The transfer of coverage by other insurance companies , the so-called reinsurers , of a portion of the risk that is accepted by the insurance company issuing the policy. Reinsurance treaty can be done through ( automatic ) or facultative ( case by case ) .
Partner ( Provider ) : Hospitals , medical laboratories or clinics / medical centers cooperating with insurance companies to provide health services to the customers-customers at the expense of the insurance company is limited to the guaranteed amount ( expressed in a letter of guarantee ) .
Rider : provision attached to a policy that provides additional benefits or restrictions .
Policy Summary : The document that contains the essence of the insurance policy .
Risk : Losses that may occur or individual insured
Certificate of Insurance : A statement of the coverage given to someone who is a participant in the life insurance / health collection , which contains policy benefits and basic provisions are binding following the effective date of coverage .
Letter of Guarantee Inpatient : Letter submitted by the insurance company to the hospital provider that provides payment assurance hospitalization costs by a certain maximum amount an insurance company for health insurance participants named in the letter .
Switching : Transfer of unit -linked investment funds from one type of fund to another fund .
Mortality Table : The table shows the mortality rate for the group of individuals who are divided by age .
Insured ( Insured ) : a person or group of people who risk insured under the insurance contract .
Top - Up : The addition of unit-linked investment funds outside the regular premium payment / well .
Sum Assured : A sum of money into the insurance company's obligation to replace all or part of the financial losses that occur on the insured as stated in the policy . Sum assured in health insurance policy benefits is commonly called .
Underwriting : The process of evaluating , selecting and approving insurance risks and determine how much risk and what the terms are acceptable by the insurance company . Employees who perform undewriting process called underwriters .
Thus information about the term - in terms of insurance . And shocking pink is also strongly related to insurance products such as life insurance , education insurance and health insurance
Here are some terms in insurance :
Application : The document that contains the statement of facts made by a person who submitted a request for insurance coverage used by insurance companies as the basis for decision making in insurance policies .
Term Insurance ( Term Insurance ) : Life insurance policy with specific coverage period ( not lifetime )
Life Insurance ( Whole Life Insurance ) : life insurance policies that provide coverage for life . Also called permanent insurance .
Dana : A group of wealth managed by insurance companies which can be separately identified as belonging to policyholders invested in accordance with the provisions of the policy.
Endorsement / Amendment Policy : Letters ( documents ) of the changes to some of the data that has been published in the policy , such changes can be heirs , premiums , or the effective date of the policy , or other changes .
Excess Claim : A number of the excess money on health care expenses of the maximum amount of benefits that apply to a participant / dependents or a number of health care costs including those which are not guaranteed by the insurance company in accordance with the policy provisions .
Group Savings Plan : pension insurance program to delay the payment of benefits after retirement provided by the insurance company to the participants but to pay premiums borne by the employer .
In force : Status where an insurance policy " active " and legally binding .
Claim : A request or demand payment of benefits in accordance with the provisions stipulated in the policy .
Coordination of Benefits ( Coordination of Benefits / COB ) : Provisions or procedures used for the insurance company to avoid duplicate payments when a person is covered by more than one policy .
Report of Medical Examination (medical report) : report on the health condition of the prospective insured is filled by a general practitioner or specialist based on physical examination and an interview with the prospective insured .
Lapse : Cancellation or termination of the effective period of the policy because the premium is not paid after a grace period .
Policy Benefits : The amount to be paid by the insurer to the claimant / beneficiary / representative or a party providing health services (providers ) , depending on the type of coverage .
Death Benefit : The amount paid after the death of the insured .
Grace Period ( Grace Period ) : The period of time after the premium due date continued where premiums can still be paid without any payment of interest and the coverage is still in force . The grace period varies depending on the type of policy and the payment stage .
Wait Period ( Waiting Period ) : The period of time after the policy was published in which health costs insured nor guaranteed by the policy. Long waiting period is generally six months to 2 years and only applies to health care costs due to illness , not because of an accident .
Customer ( client ) : Clients are individuals or groups who established a business relationship with an insurance company . Customer may be prospective policyholder ( prospects ) , the policyholder , and former policyholders or family / representative .
Cash Value / Redeem ( Cash / Surrender Value ) : Components of " savings " in the traditional life insurance , the excess money set aside from the premium after deducting the costs of the insurance follows the accumulated investment results ( interest ) .
Policyholder : the person or group of people who perform engagements insurance contract ( policy ) to the insurance company . Policy holder (policy holder) which is also called the policy owner (policy owner ) are parties to a premium payment .
Recovery Policy ( Reinstatement ) : Recovery of the effectiveness of coverage for policyholders who already lapse .
Redemption policy ( Surrender ) : Cancellation before the expiration of the insurance policy by the policyholder .
Policy extension ( Renewal ) : Extension of the coverage period beyond the deadline initially by the policyholder and the insurance company approved by the continued payment of a premium .
Recovery period ( Reinstatement Period ) : The period in which the policy has been lapse can still be recovered . Recovery period usually is one year after the final maturity date , in which the policyholder must pay the unpaid premiums with interest so that the policy can be restored .
Beneficiary ( Beneficiary ) : The person or organization who received payment of policy benefits .
Participants : Employees are eligible for the insured , was registered by the Policyholder and approved by the insurance company based on the results of risk selection ( underwriting ) .
Policy Loan : A loan granted to policyholders of insurance companies are secured by the cash value of the policy . Reduce the amount of the outstanding loan policy benefits .
Polis : insurance agreement between the insurer and the policyholder as well as other documents which are the inseparable unity with the insurance agreement , including certificates for participants in group insurance . Insurance policies are also often called the policy contract or the contract .
- Unit Link Insurance Policy : Life insurance policy that meets the following criteria : a. value of promised benefits is determined by the investment performance of subdana formed for the link unit , b . value of the benefits derived from the investment subdana expressed in units , and c . containing insured risk of natural death .
Traditional Insurance Policy : The insurance policy that does not have a separate component such as investments in unit -linked insurance policies . Traditional life insurance policy may contain a savings component or not ( pure insurance ) .
Annuity policy : Policy that accommodate and develop a number of funds that can be used after passing the age of retirement . After a specified age , the insurance company will pay a monthly annuity benefits in the form of a sum of money and at the same time when the insured ( anuitan ) reaches a certain age or death .
Individual Policy : The insurance policy that provides insurance coverage to an individual / individuals and , in some cases , family members .
Set policy : An insurance policy that provides coverage to an employer or other party to insurance risk group of people formally employed or have other business ties with him .
Pre -existing Condition : A health problem that existed before the effective date of insurance coverage ( six months to 2 years ) . Insurance companies generally do not bear a pre - existing condition , or just a bear after a waiting period ( waiting period ) .
Premiums : A sum of money set forth in the policy approved by the policyholder , to be paid to the appropriate insurance company agreed that the policy remains active . Are included in the insurance premium is the First Premium , Premium Advanced , Premium and Premium Extension Policy Change .
Reinsurance : The transfer of coverage by other insurance companies , the so-called reinsurers , of a portion of the risk that is accepted by the insurance company issuing the policy. Reinsurance treaty can be done through ( automatic ) or facultative ( case by case ) .
Partner ( Provider ) : Hospitals , medical laboratories or clinics / medical centers cooperating with insurance companies to provide health services to the customers-customers at the expense of the insurance company is limited to the guaranteed amount ( expressed in a letter of guarantee ) .
Rider : provision attached to a policy that provides additional benefits or restrictions .
Policy Summary : The document that contains the essence of the insurance policy .
Risk : Losses that may occur or individual insured
Certificate of Insurance : A statement of the coverage given to someone who is a participant in the life insurance / health collection , which contains policy benefits and basic provisions are binding following the effective date of coverage .
Letter of Guarantee Inpatient : Letter submitted by the insurance company to the hospital provider that provides payment assurance hospitalization costs by a certain maximum amount an insurance company for health insurance participants named in the letter .
Switching : Transfer of unit -linked investment funds from one type of fund to another fund .
Mortality Table : The table shows the mortality rate for the group of individuals who are divided by age .
Insured ( Insured ) : a person or group of people who risk insured under the insurance contract .
Top - Up : The addition of unit-linked investment funds outside the regular premium payment / well .
Sum Assured : A sum of money into the insurance company's obligation to replace all or part of the financial losses that occur on the insured as stated in the policy . Sum assured in health insurance policy benefits is commonly called .
Underwriting : The process of evaluating , selecting and approving insurance risks and determine how much risk and what the terms are acceptable by the insurance company . Employees who perform undewriting process called underwriters .
Thus information about the term - in terms of insurance . And shocking pink is also strongly related to insurance products such as life insurance , education insurance and health insurance
Sunday, September 29, 2013
the importance of pension insurance for old age security
The importance of pension insurance for old age security - Why Important For Retirement Insurance Security in Old Age ? Retirement is something that is certainly , with the increasing aging of us , but Retire rich and prosperous it is our choice . Why this is so . ? because it requires the preparation of your order as early as possible in the old days you can enjoy Retire Wealthy and Prosperous .
" Retirement ? " This word would seem odd ears of young children who were aged under 35 years , it can be understood because they feel they have a lot of time , and strong to work . In fact , plans to retire at a young age is the right step towards a prosperous old age .
What is Pension Insurance ? Pension insurance is a type of insurance that provides certainty availability of funds Pension / Retirement Fund later , although in the course of saving or investing there are risks afflict life .
How insurance can provide certainty of funds when retirement? This is because in the pension insurance information you will obtain protection benefits that can be taken , when you are stricken by a critical illness that causes , then the insurance will replace you in saving up to 65 years of age . Thus the funds that you are prepared for retirement is always available when retirement comes .
In taking the pension insurance premiums is no limit on what age should be taken depending on the objectives and plans of each person . The earlier prepared , the better the results . If we interpret current pension where a person is no longer productive and did not devote himself to making money . So when someone working at the age of 25 years , since that's supposed to he prepare for retirement funds . If someone wants to retire at the age of 60 years , while 25 -year -old now , so there's still time to save 35 years . However, when the now 50 -year -old and want to retire at age 60 , then you only have 10 more years of preparation , it is definitely the amount of money each month to save more when you are just starting at age 50 years rather than 25 years .
Thus life insurance is important for the security on the day old , and needs to be supported with careful preparation as early as possible in order to obtain optimal benefits in the old days .
" Retirement ? " This word would seem odd ears of young children who were aged under 35 years , it can be understood because they feel they have a lot of time , and strong to work . In fact , plans to retire at a young age is the right step towards a prosperous old age .
What is Pension Insurance ? Pension insurance is a type of insurance that provides certainty availability of funds Pension / Retirement Fund later , although in the course of saving or investing there are risks afflict life .
How insurance can provide certainty of funds when retirement? This is because in the pension insurance information you will obtain protection benefits that can be taken , when you are stricken by a critical illness that causes , then the insurance will replace you in saving up to 65 years of age . Thus the funds that you are prepared for retirement is always available when retirement comes .
In taking the pension insurance premiums is no limit on what age should be taken depending on the objectives and plans of each person . The earlier prepared , the better the results . If we interpret current pension where a person is no longer productive and did not devote himself to making money . So when someone working at the age of 25 years , since that's supposed to he prepare for retirement funds . If someone wants to retire at the age of 60 years , while 25 -year -old now , so there's still time to save 35 years . However, when the now 50 -year -old and want to retire at age 60 , then you only have 10 more years of preparation , it is definitely the amount of money each month to save more when you are just starting at age 50 years rather than 25 years .
Thus life insurance is important for the security on the day old , and needs to be supported with careful preparation as early as possible in order to obtain optimal benefits in the old days .
Saturday, September 28, 2013
simple tips for getting insurance policies
We've got gathered in concert some tricks to assistance in the particular insurance purchasing method. You can actually fit in frequent contains whenever purchasing insurance in addition to you end up purchasing in piecemeal in addition to shelling out too much or perhaps not really becoming effectively included. Having somewhat education you possibly can steer clear of this particular.
House owners insurance
1- House owner insurance won't cover racing. This is a challenging session figured out through a lot of people just lately while using so-called 'super-storm'. If your spot is susceptible to racing, speak to your insurer about a person ton insurance cover.
2- Have you ever heard about 'incidental occupancy endorsement'? You can contribute this particular in your house owners insurance in addition to it will likewise cover individual legal responsibility -- including financial obligations regarding damage connected with guests with your property or home. This is the must-have if you are a home based job. That fees less than $30 12 months due to this recommendation which is worth the idea. Actually with no individuals doing the job at the home, in the event you acquire sheduled delivery it will eventually cover the particular new driver when he falls in addition to falls with your property or home.
Auto insurance
1 -- Make sure you usually are effectively covered with insurance regarding legal cases. If you are included regarding $100, 000 for each family that will not actually cover health care payments in a very severe car accident. $500, 000 to help $1, 000, 000 is the minimal protection you need to take. It is not in which costly to improve legal responsibility protection in addition to worth the idea.
2 -- Will not cease along with your automobile insurance whenever increasing your current legal responsibility insurance. Get it done also along with your house owners, vessel, motorcycles... for example. Your peace-of-mind on your own may be worth the excess expense.
3 -- Just be sure you include uninsured driver's insurance in addition to boost the idea to the very same amounts when you include your current legal responsibility insurance set in. Approximately 10-20% coming from all drivers usually are uninsured. It's best to be geared up.
four -- You'll be able to reduce costs through giving up extensive in addition to impact protection on older automobiles if you believe like you can easily comfortably manage to interchange the idea without insurance. Stretch your budget and it will certainly lessen raise the risk concerned.
5 -- Home ensure on smaller deficits through upping your deductibles. That can save you cash in addition to lower the amount of smaller statements people document, retaining your current charges minimal.
Life insurance
1 -- Nothing at all can easily swap a relative. Your emotive loss is unbelievable. While purchasing life insurance coverage it is wise to think about a plan that may be twenty occasions the particular dropped earnings. Ponder over it this way. Exactly why strain the remaining mother or father through making them work a whole lot of trickier to compensate rather then shelling out work-time because of their loved ones.
2 -- Term is a great way to begin for just a fresh loved ones just how to get started economically. It is extremely affordable. Make an attempt to now you should the cost regarding 20-30 many years in addition to the product or service it is convertible to your long lasting plan regarding if the time period occurs.
House owners insurance
1- House owner insurance won't cover racing. This is a challenging session figured out through a lot of people just lately while using so-called 'super-storm'. If your spot is susceptible to racing, speak to your insurer about a person ton insurance cover.
2- Have you ever heard about 'incidental occupancy endorsement'? You can contribute this particular in your house owners insurance in addition to it will likewise cover individual legal responsibility -- including financial obligations regarding damage connected with guests with your property or home. This is the must-have if you are a home based job. That fees less than $30 12 months due to this recommendation which is worth the idea. Actually with no individuals doing the job at the home, in the event you acquire sheduled delivery it will eventually cover the particular new driver when he falls in addition to falls with your property or home.
Auto insurance
1 -- Make sure you usually are effectively covered with insurance regarding legal cases. If you are included regarding $100, 000 for each family that will not actually cover health care payments in a very severe car accident. $500, 000 to help $1, 000, 000 is the minimal protection you need to take. It is not in which costly to improve legal responsibility protection in addition to worth the idea.
2 -- Will not cease along with your automobile insurance whenever increasing your current legal responsibility insurance. Get it done also along with your house owners, vessel, motorcycles... for example. Your peace-of-mind on your own may be worth the excess expense.
3 -- Just be sure you include uninsured driver's insurance in addition to boost the idea to the very same amounts when you include your current legal responsibility insurance set in. Approximately 10-20% coming from all drivers usually are uninsured. It's best to be geared up.
four -- You'll be able to reduce costs through giving up extensive in addition to impact protection on older automobiles if you believe like you can easily comfortably manage to interchange the idea without insurance. Stretch your budget and it will certainly lessen raise the risk concerned.
5 -- Home ensure on smaller deficits through upping your deductibles. That can save you cash in addition to lower the amount of smaller statements people document, retaining your current charges minimal.
Life insurance
1 -- Nothing at all can easily swap a relative. Your emotive loss is unbelievable. While purchasing life insurance coverage it is wise to think about a plan that may be twenty occasions the particular dropped earnings. Ponder over it this way. Exactly why strain the remaining mother or father through making them work a whole lot of trickier to compensate rather then shelling out work-time because of their loved ones.
2 -- Term is a great way to begin for just a fresh loved ones just how to get started economically. It is extremely affordable. Make an attempt to now you should the cost regarding 20-30 many years in addition to the product or service it is convertible to your long lasting plan regarding if the time period occurs.
Thursday, September 26, 2013
meaning and aim of life insurance coverage
Inside life insurance this covered is usually due to passing away ( passing away ). Your passing away of the particular person producing loss in income or possibly a particular loved ones.
Pitfalls which will happen in the life insurance generally lies in this timing ( occasion ), consequently, it can be tough to learn when a person drops dead. To reduce this specific possibility, life insurance needs to be used.
What is a life insurance?
Understanding life insurance is usually insurance which aspires in order to keep this financial loss caused by unanticipated passing away or perhaps living too fast for to much time. Right here created which throughout life insurance, risks are usually:
1. The risk regarding passing away.
3. Your living for to much time.
It is, certainly, will bring a lot of aspects, if the risks inherent within a particular person not necessarily covered by simply life insurance businesses.
For example guarantee for children ( dependents ), a new pops which passed away prematurely or perhaps with a quick, the little one are not overlooked throughout his / her living.
May also get lucky and an individual who's achieved the age of ketuaannya ( senior years ) and can't make money or perhaps spend on the little ones, and then buy life insurance, the chance that may be sustained with regard to lost chances in order to make money is going to be included in insurance providers.
As it happens right here that do beneficial life insurance firm using the major purpose is always to underwrite or perhaps cover an individual versus financial loss. Down below we are able to see the fact that this role and aim of the life insurance.
1. With regard to the general public ( cultural )
Life insurance coverage provides certain gains on the individual or perhaps culture, is really as comes after.
a new. Assure family members ( spouse and pops ), in the perception regarding giving income safety measures, education, if the brain on the loved ones passed away.
n. By means of buying a life insurance policy may be used as being a device for keeping ( keeping ). Generally speaking, this every capita income on the people is still suprisingly low, consequently, this practice implies that folks' want to purchase a little insurance.
g. To be a income (earning electric power ).
It might consider this places that have been developed, one which is usually inches crucial inches in the corporation is going to be covered because of the corporation exactly where he or she proved helpful.
This particular should occur granted benefit on the location he or she used. Essentially will certainly influence the life on the business's intending issue ( is usually running ).
For example, a good atomic and nuclear is going to be covered his / her internal, when he or she passed away or perhaps i'll, the organization is usually obliged to pay pay out. These kinds of examples tend not to many of us met throughout Indonesia, since the nation is just not nevertheless therefore innovative in the marketplace in comparison to american places.
debbie. One more aim of life insurance is always to ensure treatment and bring about in order to suppose that cover children are unable to find the money for to teach the little ones ( fund and education ). Which many of us encounter used is usually, insurance policy coverage to the possibility regarding passing away, though other insurance policy coverage is just not therefore innovative easily.
3. With regard to government and general public.
Life insurance coverage businesses within our nation regarding it is surgical procedures, typically belongs to the government. Right here many of us connect with government rules, legal issues no. 19/1960 in connection with section between express businesses. Scale actions as stated in the following significant.
a new. Generation sector ( express manufacturing businesses, express sugar plantation businesses, and express mining corporation ).
n. Marketing and advertising sector ( industrial corporation ).
g. Segment provision regarding amenities ( express insurance providers, express banking institutions along with other express -owned company ).
It can be deducted right here that the insurance provider is a loan company providing you with financing amenities for being utilized in this level regarding financial development regarding Indonesia. According to Regulation no. 19/1960, as it happens that the side of the bargain regarding insurance in order to financial development businesses are usually:
-- As an approach regarding investment capital sourcing (capital formation).
-- Institute regarding benefits ( benefits ).
Therefore it is usually claimed that the insurance business's goal is always to give rise to nationwide financial development in the community regarding life insurance as per this Five-Year Plan, with emphasis on the wants on the people and peacefulness and joy in the corporation working to a new simply just and flourishing culture materially and spiritually.
Pitfalls which will happen in the life insurance generally lies in this timing ( occasion ), consequently, it can be tough to learn when a person drops dead. To reduce this specific possibility, life insurance needs to be used.
What is a life insurance?
Understanding life insurance is usually insurance which aspires in order to keep this financial loss caused by unanticipated passing away or perhaps living too fast for to much time. Right here created which throughout life insurance, risks are usually:
1. The risk regarding passing away.
3. Your living for to much time.
It is, certainly, will bring a lot of aspects, if the risks inherent within a particular person not necessarily covered by simply life insurance businesses.
For example guarantee for children ( dependents ), a new pops which passed away prematurely or perhaps with a quick, the little one are not overlooked throughout his / her living.
May also get lucky and an individual who's achieved the age of ketuaannya ( senior years ) and can't make money or perhaps spend on the little ones, and then buy life insurance, the chance that may be sustained with regard to lost chances in order to make money is going to be included in insurance providers.
As it happens right here that do beneficial life insurance firm using the major purpose is always to underwrite or perhaps cover an individual versus financial loss. Down below we are able to see the fact that this role and aim of the life insurance.
1. With regard to the general public ( cultural )
Life insurance coverage provides certain gains on the individual or perhaps culture, is really as comes after.
a new. Assure family members ( spouse and pops ), in the perception regarding giving income safety measures, education, if the brain on the loved ones passed away.
n. By means of buying a life insurance policy may be used as being a device for keeping ( keeping ). Generally speaking, this every capita income on the people is still suprisingly low, consequently, this practice implies that folks' want to purchase a little insurance.
g. To be a income (earning electric power ).
It might consider this places that have been developed, one which is usually inches crucial inches in the corporation is going to be covered because of the corporation exactly where he or she proved helpful.
This particular should occur granted benefit on the location he or she used. Essentially will certainly influence the life on the business's intending issue ( is usually running ).
For example, a good atomic and nuclear is going to be covered his / her internal, when he or she passed away or perhaps i'll, the organization is usually obliged to pay pay out. These kinds of examples tend not to many of us met throughout Indonesia, since the nation is just not nevertheless therefore innovative in the marketplace in comparison to american places.
debbie. One more aim of life insurance is always to ensure treatment and bring about in order to suppose that cover children are unable to find the money for to teach the little ones ( fund and education ). Which many of us encounter used is usually, insurance policy coverage to the possibility regarding passing away, though other insurance policy coverage is just not therefore innovative easily.
3. With regard to government and general public.
Life insurance coverage businesses within our nation regarding it is surgical procedures, typically belongs to the government. Right here many of us connect with government rules, legal issues no. 19/1960 in connection with section between express businesses. Scale actions as stated in the following significant.
a new. Generation sector ( express manufacturing businesses, express sugar plantation businesses, and express mining corporation ).
n. Marketing and advertising sector ( industrial corporation ).
g. Segment provision regarding amenities ( express insurance providers, express banking institutions along with other express -owned company ).
It can be deducted right here that the insurance provider is a loan company providing you with financing amenities for being utilized in this level regarding financial development regarding Indonesia. According to Regulation no. 19/1960, as it happens that the side of the bargain regarding insurance in order to financial development businesses are usually:
-- As an approach regarding investment capital sourcing (capital formation).
-- Institute regarding benefits ( benefits ).
Therefore it is usually claimed that the insurance business's goal is always to give rise to nationwide financial development in the community regarding life insurance as per this Five-Year Plan, with emphasis on the wants on the people and peacefulness and joy in the corporation working to a new simply just and flourishing culture materially and spiritually.
understanding fire insurance
To understand about fire insurance , we have to understand what it fires .
Definition of the word " fire " until now there has been no single definition that is absolutely and definitely generally accepted ,
Definition of the term " fire " based on common sense and simple is
" Burning of an object that should not be burning that occurs outside the kiln and fire arising not withdrawn its benefits . "
Some other sense of the term fire :
1 . Fire is a fire that spread out on his own strength and burn incinerator other objects .
2 . Fires can be interpreted as a combustion process , which occurs oxidation takes place so fast that cause flames or incandescent . Charred or heat alone is not a " Fire "
In relation to insurance , term fire above it needs to be on condition that :
Fire is happening suddenly and unexpectedly and beyond the knowledge of the insured . This is consistent with the basic understanding of risk , which is an uncertainty of the loss .
Further understanding of the term " fire " within the scope of Fire Insurance , requires to be really no flame or flames during the fire event . Thus it is clear that the objects without burning charred or scorched by the flames, not included within the meaning of the term Fire in Fire Insurance .
So that the flame can arise , there are three elements that must be met , namely :
a. There must be a source of considerable heat .
b . There must be a material that can catch fire .
c . There should Oxigen .
The three elements above is known as a component in " TRIANGLE API " , as if all three elements are met , it will cause the API , but if just one element is missing, there will be no API .
conclusion :
Definition of Fire in Fire Insurance is
" Fire on the objects that should not be burned , occurred outside the kiln , the fire is not drawn benefits arising , and occurs suddenly and unexpectedly and beyond his knowledge " .
Understanding Fire Insurance , is
" An insurance or insurance that provides coverage for loss and / or damage to property or the interests of the insured and inflicted or caused by a fire which is guaranteed in the policy " .
Definition of the word " fire " until now there has been no single definition that is absolutely and definitely generally accepted ,
Definition of the term " fire " based on common sense and simple is
" Burning of an object that should not be burning that occurs outside the kiln and fire arising not withdrawn its benefits . "
Some other sense of the term fire :
1 . Fire is a fire that spread out on his own strength and burn incinerator other objects .
2 . Fires can be interpreted as a combustion process , which occurs oxidation takes place so fast that cause flames or incandescent . Charred or heat alone is not a " Fire "
In relation to insurance , term fire above it needs to be on condition that :
Fire is happening suddenly and unexpectedly and beyond the knowledge of the insured . This is consistent with the basic understanding of risk , which is an uncertainty of the loss .
Further understanding of the term " fire " within the scope of Fire Insurance , requires to be really no flame or flames during the fire event . Thus it is clear that the objects without burning charred or scorched by the flames, not included within the meaning of the term Fire in Fire Insurance .
So that the flame can arise , there are three elements that must be met , namely :
a. There must be a source of considerable heat .
b . There must be a material that can catch fire .
c . There should Oxigen .
The three elements above is known as a component in " TRIANGLE API " , as if all three elements are met , it will cause the API , but if just one element is missing, there will be no API .
conclusion :
Definition of Fire in Fire Insurance is
" Fire on the objects that should not be burned , occurred outside the kiln , the fire is not drawn benefits arising , and occurs suddenly and unexpectedly and beyond his knowledge " .
Understanding Fire Insurance , is
" An insurance or insurance that provides coverage for loss and / or damage to property or the interests of the insured and inflicted or caused by a fire which is guaranteed in the policy " .
Wednesday, September 25, 2013
inadequate call up middle routines traveling motorists on the net regarding insurance plan
Inside their work to be able to not spend as much increasingly more boat finance companies are seeking to make use of offshore call up centres to offer their particular buyer companies and current administration. This really is particularly commonplace in the insurance plan business, where by it appears as if you have the classifieds story of earlier GREAT BRITAIN centered companies migrating abroad every day. Seeing that a lot more insurance companies work with offshore call up centres, current investigation coming from Swinton insurance plan demonstrates motorists are significantly embracing the net to discover the ideal package on their car insurance.
Motorists are constantly well-advised to go looking all-around and find multiple quotations in relation to revival time, using current investigation featuring which motorists necessary to get at the very least seven car insurance quotations being likely to have discovered their particular best package, normally £52. twenty six a lot better than their particular 1st estimate. However using forty seven % of the looking for car insurance taking a lot more than twenty a few minutes to get a single estimate through cellular phone, although 1 speedy search on a website similar to Moneynet, or even Ensure Supermarket provides quick side by side somparisons of tens or even hundreds of car insurance services, it truly is comprehensible that individuals are rotating for the web as a technique of comparing prices for top level specials.
It is not merely the amount of time taken through the call up centres which motorists apparently have a problem with. The study discovered which the volume of motorists looking for car insurance on the net has achieved 681, 000 using some of them citing weak call up middle overall performance, and concerns over the effectiveness on the call up centres for the reason that main reasons why there're not with all the cellular phone to obtain insurance plan.
The vast majority of those people inquired suggested which problems over the levels of customer care furnished by call up centres, using offshore centres precise specifically, had been an essential aspect on their behalf fuelling the proceed coming from cellular phone towards the web. Appropriately or even mistakenly, most of those people surveyed felt which the support offered, plus the time taken regarding complications being resolved, through offshore call up centres could well be more slowly, when compared with their particular GREAT BRITAIN call up centres counterparts.
Regardless of the higher levels of participants canceling currently being sad while using the customer care furnished by GREAT BRITAIN call up centres, and common levels of discontentment using call up middle staff developing, the unit continues to be the majority of drivers' preferred approach to getting protect. Swinton claims nearly a couple thirds of GREAT BRITAIN motorists suggested these people make use of the cellular phone to buy their particular car insurance, although the volume of motorists getting their particular protect on the net has escalated to be able to 23%. The AA get stated which the numbers are in reality nearer to 40% off fresh car insurance currently currently being set up on the internet, using on the net revenue of car insurance recently developing through practically two-thirds.
However, in spite of the particular expansion inside the volume of individuals online and despite the many security precautions put in place to be able to assist in on the net orders, greater million motorists are reported as however certainly not trusting the net being a safe getting software, and sense less hazardous with all the cellular phone to be able to converse right to a person. This really is despite current news accounts on the banking account details of 1, 000 GREAT BRITAIN clients, including security passwords, address and passport information, kept through Indian call up centres, on the market with an undercover reporter in the Sun.
Claire Fitzgibbons, promoting director regarding Swinton explained, "We assume that regardless of the boost inside the volume of individuals getting car insurance on the internet, the unit will continue to be a favorite method provided that services make sure that their particular call up centres produce high class customer care, inches.
However until call up middle centered organizations redress the particular publics perceptions of weak overall performance provided by call up centres, there're prone to uncover a lot more motorists looking for other available choices, if the net centered insurance firms may influence the particular significantly scientifically savvy open public which getting on the net can be safe, next we may soon begin to see the swift drop of call up centres and discover the net becoming the primary cause of info regarding motorists into their hunt for less costly car insurance.
Motorists are constantly well-advised to go looking all-around and find multiple quotations in relation to revival time, using current investigation featuring which motorists necessary to get at the very least seven car insurance quotations being likely to have discovered their particular best package, normally £52. twenty six a lot better than their particular 1st estimate. However using forty seven % of the looking for car insurance taking a lot more than twenty a few minutes to get a single estimate through cellular phone, although 1 speedy search on a website similar to Moneynet, or even Ensure Supermarket provides quick side by side somparisons of tens or even hundreds of car insurance services, it truly is comprehensible that individuals are rotating for the web as a technique of comparing prices for top level specials.
It is not merely the amount of time taken through the call up centres which motorists apparently have a problem with. The study discovered which the volume of motorists looking for car insurance on the net has achieved 681, 000 using some of them citing weak call up middle overall performance, and concerns over the effectiveness on the call up centres for the reason that main reasons why there're not with all the cellular phone to obtain insurance plan.
The vast majority of those people inquired suggested which problems over the levels of customer care furnished by call up centres, using offshore centres precise specifically, had been an essential aspect on their behalf fuelling the proceed coming from cellular phone towards the web. Appropriately or even mistakenly, most of those people surveyed felt which the support offered, plus the time taken regarding complications being resolved, through offshore call up centres could well be more slowly, when compared with their particular GREAT BRITAIN call up centres counterparts.
Regardless of the higher levels of participants canceling currently being sad while using the customer care furnished by GREAT BRITAIN call up centres, and common levels of discontentment using call up middle staff developing, the unit continues to be the majority of drivers' preferred approach to getting protect. Swinton claims nearly a couple thirds of GREAT BRITAIN motorists suggested these people make use of the cellular phone to buy their particular car insurance, although the volume of motorists getting their particular protect on the net has escalated to be able to 23%. The AA get stated which the numbers are in reality nearer to 40% off fresh car insurance currently currently being set up on the internet, using on the net revenue of car insurance recently developing through practically two-thirds.
However, in spite of the particular expansion inside the volume of individuals online and despite the many security precautions put in place to be able to assist in on the net orders, greater million motorists are reported as however certainly not trusting the net being a safe getting software, and sense less hazardous with all the cellular phone to be able to converse right to a person. This really is despite current news accounts on the banking account details of 1, 000 GREAT BRITAIN clients, including security passwords, address and passport information, kept through Indian call up centres, on the market with an undercover reporter in the Sun.
Claire Fitzgibbons, promoting director regarding Swinton explained, "We assume that regardless of the boost inside the volume of individuals getting car insurance on the internet, the unit will continue to be a favorite method provided that services make sure that their particular call up centres produce high class customer care, inches.
However until call up middle centered organizations redress the particular publics perceptions of weak overall performance provided by call up centres, there're prone to uncover a lot more motorists looking for other available choices, if the net centered insurance firms may influence the particular significantly scientifically savvy open public which getting on the net can be safe, next we may soon begin to see the swift drop of call up centres and discover the net becoming the primary cause of info regarding motorists into their hunt for less costly car insurance.
Monday, September 23, 2013
understanding health insurance
Of the many existing insurance services , health insurance is one of the insurance products that are also in high demand as insurance for the family and child education insurance or pension funds .
Each insurance provider definitely say that the health insurance product is the best and number 1 in Indonesia or even world . live how we respond intelligently and carefully which one will we choose to be useful later for many families in general and for our children .
Before choosing which insurance is right for us would be helpful to know what the heck it is health insurance . Health insurance is a health financing system that runs based on the concept of risk . In the health insurance system , the risk of illness is jointly covered by the participants to pay premiums that run insurer ( the principle of mutual assistance ) .
PRINCIPLE ? INSURANCE HEALTH
Health insurance is a health financing system that runs based on the concept of risk .
Transferring risk from one individual to a group .
Dividing the amount of loss along with a fair proportion by all members of the group through the insurer .
ELEMENTS OF HEALTH INSURANCE
1 . Insured ( Patient ) .
2 . Insurers ( Insurance Company )
3 . Health Care Giver ( KDP ) .
TYPES ? INSURANCE HEALTH
Social Health Insurance ( Social Health Insurance )
Commercial Health Insurance ( Private Voluntary Health Insurance )
PRINCIPLES OF SOCIAL HEALTH INSURANCE
Participation is compulsory .
Premiums / fees based on percentage of income / salary .
Premiums / contributions are shared by work / corporate and labor .
Participants / workers and their families obtain health insurance .
Participants / workers to obtain compensation for pain .
The role of big government .
PRINCIPLES ? HEALTH INSURANCE COMMERCIAL
Participation is voluntary .
Premiums / contributions based on absolute numbers , in accordance with the agreement / contract .
Participants / workers and their families obtain compensation for health care costs under the agreement / contract ( not comprehensive ) .
Government's role is relatively small .
Once we know what it is about health insurance in the form of insurance , then we can decide which one will we choose what insurers like Prudential , eg BNI or other health insurance services .
Each insurance provider definitely say that the health insurance product is the best and number 1 in Indonesia or even world . live how we respond intelligently and carefully which one will we choose to be useful later for many families in general and for our children .
Before choosing which insurance is right for us would be helpful to know what the heck it is health insurance . Health insurance is a health financing system that runs based on the concept of risk . In the health insurance system , the risk of illness is jointly covered by the participants to pay premiums that run insurer ( the principle of mutual assistance ) .
PRINCIPLE ? INSURANCE HEALTH
Health insurance is a health financing system that runs based on the concept of risk .
Transferring risk from one individual to a group .
Dividing the amount of loss along with a fair proportion by all members of the group through the insurer .
ELEMENTS OF HEALTH INSURANCE
1 . Insured ( Patient ) .
2 . Insurers ( Insurance Company )
3 . Health Care Giver ( KDP ) .
TYPES ? INSURANCE HEALTH
Social Health Insurance ( Social Health Insurance )
Commercial Health Insurance ( Private Voluntary Health Insurance )
PRINCIPLES OF SOCIAL HEALTH INSURANCE
Participation is compulsory .
Premiums / fees based on percentage of income / salary .
Premiums / contributions are shared by work / corporate and labor .
Participants / workers and their families obtain health insurance .
Participants / workers to obtain compensation for pain .
The role of big government .
PRINCIPLES ? HEALTH INSURANCE COMMERCIAL
Participation is voluntary .
Premiums / contributions based on absolute numbers , in accordance with the agreement / contract .
Participants / workers and their families obtain compensation for health care costs under the agreement / contract ( not comprehensive ) .
Government's role is relatively small .
Once we know what it is about health insurance in the form of insurance , then we can decide which one will we choose what insurers like Prudential , eg BNI or other health insurance services .
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