If you take out, you have to pay insurance premiums every month. This looks like the money disappeared. But if one day something happens to your health, your medical expenses will be covered.
If you do not take insurance, means you spend less each month. If you hit a time of serious illness (which cost tens and even hundreds of millions of rupiah), the cost of your own medicine.
Well, why should you take insurance?
Because the premiums you pay each month is not actually lost money. Rather, these premiums are an expense that must be paid every month. This concept is very common in foreign countries like the U.S. and developed countries in Europe. That's why the population's health is guaranteed.
While we in Indonesia? The majority of people still think of insurance as being "not necessary". As a result, so there is a disaster, the family will be desperate for funds. Debt here and there, selling this and that. Things like this will not happen if the following insurance, because insurance companies will pay, not you.
Peace of mind, health guaranteed, happier lives.
Sunday, November 29, 2009
Why Insurance?
Health Insurance
umbrella ready before the rain. This is very appropriate proverb applied in our lives everyday. We as humans can not know the future. Now we may well, but if God willing, perhaps next week we are not affected by the disease we thought before.
Are you already making preparations to face the possibility of pain in the future? How does your financial plan? Do you realize, that the cost of hospital medicine + doctors + is not cheap? Can you pay all that when the time comes?
This website aims to introduce the concept of health insurance to you. With health insurance, your medical expenses will be borne by the insurance company. Please read the following article to add to your understanding:
Traffic Accident Compensation Increases In Indonesia
The increase varies between 100 to 150 percent. transport.
Benefit victims of road traffic accidents and public transport up to 150 percent. So based on Ministry of Finance Regulation No. 36/PMK.010/2008 of Great Benefit and Contribution Fund Payer Road Traffic Accidents (SWDKLLJ) and Minister of Finance Regulation No. 37/PMK.010/2008 of Great Benefit Funds and Dues Payer Accident Liability Compulsory Passenger Transport equipment Public passenger Land, River / Lake, Ferry / Crossing, Sea and Air.
Two Ministry of Finance Regulation which entered into force March 27, 2008 that set the amount of compensation to the victim's death, injury and permanent disability resulting from road traffic accidents due to hit by motor vehicles and passenger transport accidents common on land, sea, and air.
Based on these regulations, the amount of compensation for victims of road traffic accidents and public passengers on land, river / lake, ferry / sea crossings and to adjust up to 150 percent of the proceeds of the previous. While a large compensation for air transport is not increased except for compensation for funeral expenses of USD 1 million to $ 2 million.
Here the value of compensation for public passenger land transport, river / lake, ferry / ferry and sea: died of USD 10 million to Rp 25 million (up 150 percent), disability (maximum) to Rp 25 million (150 percent), treatment (maximum) USD 10 million (100 percent), funeral costs Rp 2 million (100 percent).
Victim compensation values are road traffic accidents: death USD 25 million (150 percent), disability (maximum) USD 25 million (150 percent), treatment (maximum) USD 10 million (100 percent) and funeral costs Rp 2 million (100 percent).
In addition to a large set of new charity, the Ministry of Finance Regulation also regulates the rate of compulsory contribution SWDKLLJ and passengers who use public transport passengers. SWDKLLJ are insurance premiums paid by the employers / owners transport road traffic to the companies that hold Fund Road Traffic Accidents. While fee payer is the insurance premium paid by the passengers who use public passenger transport on land, river / lake, ferry / ferry, sea and air to the companies that hold Fund Passenger Accident Liability Compulsory.
Some tuition rates are not obligated to adjust the contribution rates required public motor vehicles and air transport. As for tariff average SWDKLLJ an increase of 89 percent, except for the types of vehicles 50 cc motorcycle down, the car ambulance, hearse and a fire engine. Besides tariff SWDKLLJ, every type of vehicle replacement cost manufacturing Fund Cards / Certificates (KD)
How Filing Procedure Vehicle Insurance
Actually to apply fairly easy vehicle insurance. The important thing is to determine the choice of insurance companies who really trusted. Come directly to the companies we choose to fill out and study the contents of the deal well before it was signed.
Determine which type of risk dependents who want to ditanggungkan by insurance companies (TLO or All Risk). Customize your vehicle with our risk, especially regarding the nature of the use of vehicle, year of manufacture, and other types of additional dependents.
Of applications that the company will conduct a survey vehicle concerned (the condition and feasibility). Party vehicle insurance will consider his willingness to be a guarantor of the submission of our application. Sometimes it can also not an agreement. For example because the vehicle was known as the dependents are insured in other companies. Or vehicles older than 5 years from the time of filing. But it could also depend on the size of motor vehicle insurance premiums that we sanggupi.
What is certain is that the application had listed all the agreements which are agreement guidelines for the insurer (the insurance) and the insured (the owner of the vehicle). So that in the event of motor vehicle insurance claim, had no clear rules for both parties.
Accident Insurance
Meet
Accident Insurance
I would like to express my condolences to the victims profound effect falling bombs exploded in the lobby of the JW Marriott Hotel Jakarta some time ago. Frankly, it was not easy as it felt the loss felt by those who lost family members due to the bomb.
In addition to deaths, many of them who happened to be there suffered serious injuries, like losing part of his body, suffered burns, and other defects. However, many of them survived. Whether by accident in another floor, had gone a few minutes earlier, or for various other reasons. But one thing is clear, there is a destiny already set. We humans can only try. But when we are born, when we die, the fate of what we experience, when we will experience it, it was outlined.
Interestingly, we usually can not escape from a number of risks that may arise in our life journey. One is the risk posed by the bomb some time ago, such as death, permanent disability, temporary disability, or loss of limbs. Whatever the cause, it was an accident for those who experience it.
The question is, what if this happened to you? First of all, if you have an accident so that the loss of limbs, then usually there are two things you need to deal with, namely the cost of care and work that may not be able to do since losing a member of that body. For example, a secretary who used to use the hands to work, may not be able to perform his duties well as a secretary for arms is not there anymore. A person who works in sales, which used to go there, here uses his legs, probably could no longer perform his job well because now he lost his leg. Not to mention the fact that he could no longer support his family.
This is, not to mention the added reality of those who suffered death and had to leave his family forever. In fact, those who died were probably bear the cost of family life.
FROM DEFECTS TO DEATH
Yes, as human beings we may be hard to prevent things like that. All we can do is to anticipate the consequences arising from the occurrence of these risks. One of them, is to take Accident Insurance. What's Accident Insurance? Simply put, Accident Insurance is a promise made by the insurance company if you had an accident and the accident you need to stay in hospital, suffered a total disability or in part, or death.
Why, why there is such insurance? Yes, there are dong. Accident insurance is also not only provide a replacement if you experience death, being treated in hospital or total disability due to accident, but also provide a replacement if you experience some disability. For example, you have an accident so that the loss of one hand, lost a leg (either right or left). Of course, losing the right limb will typically replaced more if you lose the left limb. Or, you have an accident so that the loss of sight, and so on.
Accident insurance is usually also provide a replacement if you are being treated in hospital due to accident. Do not forget that after the accident, you will usually be treated in hospital for several days, depending on how severe the consequences of the accident yourself. There are people who should be treated in hospital for one night only, but there is also a must have treatment for days.
Interestingly, Accident Insurance provides reimbursement if the accident you experienced death. The bomb at the JW Marriott yesterday, for example. So the principle, all of which appear as a result of the accident was dicover.
WHERE TO TAKE AN ACCIDENT INSURANCE?
The question is, if you're interested in taking Casualty Insurance, where you can pick it up? The answer is clear: the insurance company. You can come to an Insurance company or the insurance company losses. If you come to the company's Life Insurance, Accident Insurance usually affixed to the existing Insurance products they sell. Although many Accident Insurance is also sold independently. Typically, many of the Accident Insurance products that stand alone are sold through Catalog distributed to the customers Credit Card.
Premium or fee that you pay to the Insurance Company also depends on whether he was standing alone or attached to other products. If you take Accident Insurance independently, the premiums will be cheaper than if your accident insurance taken against the Life Insurance.
TAKE NOW
Now, after you read a little about what Accident Insurance, there is nothing else to do but just go straight to the insurance company, ask about Casualty Insurance products that they have, then pick it up. Not be denied, Indonesia is a developing country that is vulnerable to terror attacks is not impossible to happen around us. Indonesia is also prone to many accidents that may occur on the highway. Indonesia vulnerable to accidents that may occur everywhere. All you have to do is to anticipate from now on. Insurance may not be able to prevent accidents, but can help you overcome that arise due to the accident. So, waiting for? Immediately take Accident Insurance. Tomorrow may be too late. Regard.
Saturday, November 28, 2009
Insurance is divided into two main types
this time have developed various types of insurance in society, in risk management, insurance enables sharing and transfer risk, this is the best way to compensate. Most people do not understand the fundamental differences in the types of insurance, and to determine the insurance program that best matches your needs, we must recognize the types of insurance.
this time have developed various types of insurance in society, in risk management, insurance enables sharing and transfer risk, this is the best way to compensate. Most people do not understand the fundamental differences in the types of insurance, and to determine the insurance program that best matches your needs, we must recognize the types of insurance.
1. Traditional insurance
2. Non-Traditional Insurance (modern)
In the Traditional Insurance, divided several types of insurance, this insurance typically has long utilized by consumers.
Traditional insurance consists of:
1. TERM
2. Wholelife
3. Endowment
Explanation TERM
- You never know about or Motor Car Insurance? Or maybe health insurance? Now usually this term type of insurance bought by many people, because the cheaper the premium payment and get great benefits. In other words, pay less, dapatnya lot, but if it is not used in insurance claims and does not occur, then the money that we will burn setorkan. From the fact that, we can see, there is no savings element in this type of insurance, so they call us to buy our security guarantees within 1 year or a certain period. We pay the same as travel insurance, time to board the plane billed amount of money, after getting off the plane safely, the contract is complete. Because no premium payment period is determined, then every year, the premiums will increase according to age, the insured.
Explanation Wholelife
- Wholelife, meaning for life. This type of insurance protects the insured until the end of the age, usually covered up to age 99 years. And great! the premium payment period is determined from the beginning, there can be no extension of the premium payment period. If selected 5 years, it paid for five years, then life will not be billed again, whenever we die, we still can claim the Sum Insured we have planned. Because the system is saved, then started the second year cash value policy is formed, in a particular year the value of savings could be taken up to 80%. Keren ga? Besides the permanent protection on the road, there are also savings, but not much cash value than the value PROTECTION.
Explanation Endowment
- Endowment, this is the value of life insurance with greater savings. In certain years the value of savings could be withdrawn in accordance with the program. Usually this type of insurance known as an insurance education insurance or pension funds. Education insurance is determined when the money could be taken for the dear child's school fees. This Endowment system, berbonus savings life insurance, if anything happens during saving, then we get the Sum Insured for death compensation, but in the event of an obligation to pay claims, insurance companies continue to pay the claim until after the contract. Usually offered premium far greater than the type and Wholelife TERM.
Example: Budi took 32 years for child education insurance Desi, 2 years old. At the time of paying the premium, at the age of 36 years Budi Death. At that time the wife of Mr. Budi obtain death benefits, the specified number of UP, and free to pay premiums. At the age of 7 years old Daisy, Daisy still get scheduled educational claims, and at the age of 13 years, the age of 16 years, the age of 19 years, and so on.
Okay, now we talk a little about Non-Traditional Insurance
Non-traditional insurance or so-called modern insurance, is a type of insurance UNIT-LINK. Where Unit Link Insurance is very popular at the moment, why? because Unit-Link is a type of insurance that combines and Investment Insurance. Life insurance is married to investment, is the type TERM. Remember! If TERM is a short-term insurance, and insurance costs could increase as with increasing age.
UNIT LINK = TERM + Investment
Most people take the unit because he wanted to save a link to the results many times, compared to savings in the bank, with not much interest. By investing or REKSADANA, then the money we invest will increase with the fertile. But the thing to remember, the bigger the profit, the greater the risk.
Investment can be increased and decreased, according to the economic development of the nation at that time. In the event of a crisis, then the investment value can be ascertained that we have fallen dramatically, and consequently the value of our savings will be depleted. If it were so, do not protest dong .. pingin fortunately had a lot, means to bear the loss, too .. :)
Certainly, in the insurance type Link Units, do not have a guaranteed cash value, even the companies that issued such insurance policy, can not promise it brings cash value in X. Another case of traditional insurance, in her policy clearly stated the guaranteed cash value and obtained in X.
Due to the lack of a guaranteed cash value, probably in year 11 or more, the insured must pay the premiums back, though promised to pay only 10 years old, in fact is not mentioned in the policy premium payment period, so the premiums can be charged back at any time.
Unit Link, bear the cost of insurance TERM type, so each year the cost will rise with age, and formed the cash value will cut insurance costs and other administrative costs.
How does an explanation of Insurance
any questions?
Before you choose the right insurance for you, you should consult truly understand the concept of this insurance. Because each person has different characteristics in managing finances.
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