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 .
Monday, October 7, 2013
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
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