Monday, January 30, 2017

Sharia Insurance: Concept and Definition

While sharia insurance, the concept and definition are different, ie the risk is shared among insurance participants. Way, participants pay contributions collected into a joint account called tabarru '. Tabarru 'is a donation or a donation (in the definition of Islam is a grant). Before explaining further about Takaful insurance, it's good we explain a little about the concept of conventional insurance as a comparison. In conventional insurance, the policyholder pays the premium to the insurance company. The Company has the premium and pays the sum insured in the event of a claim. So in conventional insurance, risks and profits are in the insurance company. There is a transfer of risk (transfer) from the participant to the insurance company.

Whenever a claim occurs, payment is made by cutting the tabarru '. The collection fund does not belong to the insurance company, but belongs to the Takaful participant. Unlike conventional insurance that transfers the risk from participants to insurance companies. In the concept of Takaful insurance, the role of insurance companies is only as the holder of the trust in managing and investing funds from the contribution of participants, and must be in accordance with the principles of sharia. Insurance companies are hired by participants by paying commissions. Read: Rejected Claim Insurance by Company

Supervised by the Sharia Supervisory Board, To ensure that Sharia principles are properly implemented by sharia insurance companies, the Indonesian Ulema Council (MUI) establishes the National Sharia Council (DSN). Where, DSN is in charge of overseeing the implementation of sharia economic principles in Indonesia, including issuing a fatwa or laws governing it. Sharia Supervisory Board (DPS) must exist in every syariah financial institution. DPS is the DSN representative who is in charge of ensuring that the financial institution has implemented Sharia principles correctly.

Should Invest in Sharia Securities, One of the characteristics of sharia insurance is that investment should be done only in sharia effect. Sharia effect fulfills the following two criteria.

1. Not conducting business activities that are contrary to the principles of sharia, for example:

Gambling, trade not accompanied by delivery of goods / services, trading with fake supply / demand, ransom financial services, and buying and selling risks containing uncertainty (gharar). Produces, distributes, trades and / or provides, among other goods or services, haram li-dzatihi, unlawful goods or services not by substance (haram li-ghairihi) stipulated by DSN-MUI, and / or conducting transactions containing element of bribe (risywah).

2. Meet the following financial ratios:

Total interest-based debt compared to total equity is not more than 82%. Total interest income and other unlawful income compared to total revenues (revenue) and other income not more than 10%. Based on these two criteria, the Financial Services Authority (OJK) issues a List of Sharia Securities (DES), a collection of securities that do not conflict with the principles of sharia in the market. DES is an investment guide for investors who want to invest in sharia securities portfolio.

The Benefits of Having Sharia Insurance: Here are some benefits of Takaful Insurance.

  1. Protection of life, accident and permanent disability and financial plan according to sharia principles. Through the payment of periodic contributions, participants can determine the amount of insurance benefits.
  2. Liberation of basic contributions. In the event of total disability caused by illness or accident, participants may enjoy insurance benefits even in total incapacity situations.
  3. Protection of health expenses. Replacement of hospital treatment expenses caused by illness and accident. Equipped with cashless facilities that facilitate hospitalization without cash payment, and services are available every day with a network of partner hospitals throughout Indonesia.
  4. So, are you interested in having sharia insurance? If so, do not forget to check the administrative completeness as well as the company's reputation. Therefore, every sharia insurance companies have different provisions, ways, and processes.

Important Things When Making Insurance Claims: Well, for the claims to be approved and the process run smoothly, which must be considered before filing a claim is;

1.Make sure that as a customer we must know the benefits and exclusions of the insurance products owned.

2. The Customer must complete the requirements of the claim filing documents, ie the claim filing form, the doctor's diagnosis caring, the original receipt of the cost during the treatment, the referral letter from the doctor for the maintenance, the copy of the diagnostic investigation result.

3. Make sure all information is filled correctly and accurately as customer account number, policy number, name of policy holder, insured name and so forth.

The Right Health Insurance Option: Lots of insurance options do not get you stuck and fall on the insurance option that actually makes you swallow the loss. Pay attention to quality and quantity to provide the best protection for your family. However, if you find it difficult to find the right health insurance and profitable we provide the best health insurance references with optimal protection

Asuransi Mandiri Hospitalife: This is a type of insurance that includes two insurance as well as health insurance and life insurance. Available inpatient health protection, outpatient and compensation benefit money if the policyholder dies. Health protection for the whole family is not only able to provide peace, but also can minimize the financial risk for medical needs. Asuransi Mandiri Hospitalife will guarantee the cost of hospitalization for the sake of restoring your health.

Thursday, January 26, 2017

Rejected Claim Insurance by Company

When deciding to follow the insurance program, you must communicate well with the insurance company. Inquire in detail from the facilities provided, the ceiling and insurance premiums, to the claims service. Every participant of the insurance must know clearly and correctly about what program is followed and some provisions in it. If not, it could bring a loss for him, especially stewardship claim. Basically, in the management of a claim, there is agreement from the participants and the insurance company. Everything is legally bound. That means, the denial of the claim is not haphazard because based on the agreement. Well, if you do not want insurance claims denied, it's worth listening to 8 reasons why claims of rejection are rejected by insurance companies.

1. Policy Has Lapse (Not Active)

The insurer is not willing to pay insurance claims when the policy is not active or commonly called lapse. Here are two examples of the circumstances of the policy already lapse and make your insurance claim rejected. Payment insurance premium due due past the grace period. Every insurance may have different grace periods. Usually a maximum of about 45 days. Read: What is Accidents Insurance?

If an event occurs after that period, the insurer shall not be liable for any losses suffered by the policyholder, even if included in the policy clause. Therefore, pay the insurance premium on time or at least not until the end of the grace period. If the insurance policy is unit-linked, the policy can be considered lapse if the cash value of the insurance is not enough to cover the cost of insurance. There are at least two causes of inadequate cash value, which is not good investment performance and cash value is often disbursed. To avoid it, it's good to do a top up at a certain time when the investment performance is bad.

2. Claim Not covered in Clause

An insurance policy contains terms and criteria that can be entered and not included in the insurance coverage. For example, on an insurance policy it is noted that a stroke is a permanent neurological cerebral vascular attack in more than 24 hours. Although doctors have diagnosed positive policy holders for stroke but less than 24 hours, then insurance claims would be rejected if submitted. Because, the time is still less than 24 hours.

3. Claim Submission Over Time Specified

When claim management exceeds the time specified in the policy, insurance claims may be delayed or even refused. Insurance companies always provide a certain time limit for claim management. Through it, claims can be rejected. For the record, car insurance claims should be taken care of immediately because the time limit is short, only 3 x 24 hours. As for insurance such as life insurance, the time limit between 30-60 days.

4. Claim Document Not Complete

When about to make a claim, be sure to know all the documents that must be provided. One less document, then the claim will be rejected by the insurance. For example for life insurance, a certificate from a doctor is required. You are also required to fill out a claim form. Follow the procedure correctly. For example want to file a car insurance claim, be sure to take photos of car damage. This photo will be one of the proofs when it comes to filing a claim to the insurance.

Next, prepare the complete document, from photocopy of the insurance policy, copy of driver's license and vehicle registration, and of course the claim submission form. A police certificate may also be required in case of serious damage. When filling out the form, fill it as honestly and as clearly as the insurance will check. The insurer will not pay a claim if the contents of the claim form proves to contain lies. Another no less important procedure is to make repairs at the partner workshop. The same also includes hospital treatment referred by insurance. You may not repair or seek treatment in a place other than an insurance referral.

5. Being Waiting Period

In certain types of insurance, there is usually a waiting policy. When it is in the waiting period, the owner of the insurance policy will not be able to file a claim. For critical illness, there will usually be a waiting period of 30 to 365 days. For example, the waiting period is about 30 days from the active period or the issuance of the policy. Active insurance policy dated April 10, 2016. Then experience critical pain on May 1, 2016. If you make a claim, the insurance company will reject it, because it has not passed the waiting period.

6. Disease Has Been Before the Policy Is Purchased

Insurance claims will also be rejected if the policyholder hides the disease while purchasing a claim. If proven the disease is already dialed since before the purchase of the policy, the insurance will refuse his claim. So make sure you're still in good health when you buy insurance. Included in the Exclusion In addition to managing insurance coverage, the policy also regulates exceptions. Exceptions are things that are not covered by insurance coverage. In life insurance, the exemption includes death due to suicide, court punishment, or crime.

In the car insurance, exceptions that make claims rejected, among others, the vehicle does not function according to its designation or modified without notifying the insurance.Sedangkan for vehicle modification cases motorists, be sure to always notify the insurance and make sure modifications are allowed. Do not make non-standard modifications that actually cause the accident. If this is the case, insurance will not be willing to bear the cost of repair.8. Policy Holders Violate the Law An insurance claim will be rejected if the policyholder violates the law. For example, have car insurance all risk, then the owner of the car had an accident because of inconsiderate or breaking traffic. That way, the claim filing will be rejected by the insurance. That is some of the reasons why the claim was rejected by the insurance company. Check before you buy health insurance products so you do not lose in the future.

Friday, January 20, 2017

What is Accidents Insurance?

There are various risks that may occur every day in a person's life. Good risk of illness, accident or death. Protecting yourself against such risks with insurance is a prudent way of preparing for any possible adverse events in the future. Accidents can happen anywhere, such as slipping in the bathroom, falling off the stairs, tripping over certain things that make the pain, to the fatal thing like a vehicle accident that resulted in death.

To protect yourself from unwanted things or such risks, there are a variety of insurance benefits for people to use. There are many insurance options - from health, vehicles, life, travel, personal accident, and so on. However, of all the insurance options whether a person still needs personal accident insurance (personal accident insurance)? Before choosing the right type of insurance for you let us look at the differences regarding personal accident insurance with life insurance in general. Read: Avoid 5 Mistakes When Buying Insurance

What is Personal Accident Insurance? accident insurance dir, Many of us assume that personal accident insurance is an insurance that will protect us from the risk of accidents due to motor vehicle accidents. If so what's the difference with accident insurance or life insurance? Actually personal accident insurance is a Coverage that provides guarantee / protection of Death; Fixed defects; and / or treatment or medical expenses as a result of an accident

So personal accident insurance not only protects us from accidents caused by motor vehicles, but also guarantees the risk of death and permanent disability caused by an accident or event that comes suddenly, unplanned, from outside resulting in death or permanent disability. Examples are like, workplace accidents, accidents while driving, including events such as poisoning from inhaled gas or poisonous vapors, suffocation or drowning.

Benefits Provided, form insurance claims, Personal accident insurance has benefits that will help the policyholder. As explained above, personal accident insurance protects against the risks of dying, the risk of permanent disability, and the risk of treatment or hospitalization.

So things related to the risk of accidents can be protected. In addition, personal accident insurance not only protects you from the risk of vehicle accidents only. Some other risks are also covered by personal accident insurance. For example, it is like: gas poisoning due to the actions of bad people, exposed to substances containing pests of disease, suffocation or immersion, and alienated in a lonely place due to disaster.

Although personal accident insurance covers all types of accidents, there are some exceptions to the cause of unacceptable accidents. Examples such as bungy jumping, race speed or agility of cars or motorcycles and air and water sports. In addition, Personal Accident Insurance also does not guarantee accidents caused by doing or breaking the rules and legislation, riots, riots, penyotakkan and also war.

Then the accident caused or caused by the insured performing the duty as the military or police service will also be an exception or not guaranteed by the insurance company. Differences with Life Insurance, After reading the above explanation, then what is the difference of personal accident insurance with life insurance? If regular life insurance generally covers protection against death, personal accident insurance not only gives death benefit from accident.

But it also provides compensation for accidents. This is very useful if someone has a debt to pay, while he can not do his job normally due to an accident. So the accident insurance also provides benefits when a person experiences a disability by accident. Protection covered by accident insurance ranges from comprehensive protection covering permanent and temporary disability, to only covering total disability or accidental death. Seeing the many benefits offered by personal accident insurance, you can consider it. There are some benefits that are not owned by life insurance so you should consider having this insurance. Most importantly pay attention to the policy before you apply.

Monday, January 16, 2017

Avoid 5 Mistakes When Buying Insurance

Some people regret after buying insurance. Why? Wrong misconceptions about an insurance product can make you receive a number of benefits that are not maximal. That is, you buy an insurance product that is not appropriate and not appropriate. Avoid to make mistakes when buying an insurance product, so that various forms of loss in the future can be overcome. Well, for that, here are some mistakes to avoid when buying insurance.

1. No Consultation

Before purchasing insurance, you as a potential customer should first consult an insurance expert to choose an insurance product that suits your budget and needs. It's good, the insurance expert also makes illustrations of the insurance schemes that are recommended to you so that you have the picture and not the wrong choice. Read: Differences of Education Insurance and Education Savings

Insurance many types and benefits. Moreover, one insurance company is also different and have their respective advantages. Just looking at the cheapness of the premium or the amount of sum assured is not enough. There are many details of both advantages and differences that are important to understand. That's why before buying a product consult first to the expert.

2. Buying the wrong ones

Most people have an error in buying insurance because of a lack of attention to the information and insurance conditions they choose, so when the insurance is already running, they are not very familiar with the facilities owned by the insurance and can not feel the benefits.

3. Buy an expensive Premium
Understanding the lack of insurance products and also the various features in it also causes you to lose a considerable amount of money. For example, if you choose and buy an insurance product at a high price, whereas in other insurance companies, the same product is sold at a much cheaper price.

4. Buying Forced
When a friend, relative, or relative offers something to you, then often you do not have the power to reject it. The same is also common in purchasing insurance products, where you are forced to buy products offered by them, while you actually do not really need them. Avoid such things.

5. Unknown to the Family

Do not buy insurance without the knowledge of the family, because this could make them not use the benefits of the insurance if at any time something happens to you. This often happens to parents who buy insurance for their children. There are many cases where parents buy insurance products for their children, but the parents just do not tell their children. This kind of thing is very risky, especially if it turns out in the future the child does not get all the rights to the insurance well and intact.

Your lack of understanding of the insurance product should not cause any loss in the future. Do not take the risk, therefore, perbanyaklah science and information before choosing an insurance product. It's good, always understand well the benefits and also various provisions in the insurance product to be purchased, and buy insurance that is really appropriate and in accordance with your needs for the benefits can be felt to the fullest.

If you find it difficult to determine the right and profitable insurance product for you can provide the best insurance reference with optimum protection. For example, for health insurance, one of the recommended products is AXA Mandiri Hospitalife insurance product. This insurance gives you and your family's money for mourning. Facilities provided in the form of hospitalization benefits for diseases, such as dengue fever and malaria. Another advantage of this insurance product is you only need to pay a premium of 4 years, but the coverage received up to 12 years. In addition, the premium will be refunded at the end of the shelf life (no claims or no claims).

The amount of sum assured has a minimum range equal to the amount of money the current specific needs (present value) multiplied by 150%. While the maximum sum insured is for the money in the future (future value) multiplied by 80%. This method is absolutely combined with the investments made (either monthly or yearly) to achieve future financial needs of the financial needs.

This method can also be used for those with very large monthly incomes. So the other two methods above can not be used again, because it will give the amount of sum insured is too big (unlikely sum assured approved by the insurance company).

Saturday, January 14, 2017

Differences of Education Insurance and Education Savings

When discussing the preparation of a child's education fund you will find many options. Options ranging from savings, deposits, investments in real assets, paper assets to insurance products. Of all the most commonly available options for preparing educational funds are education insurance products and educational savings. Most parents are confused about choosing education insurance or education savings, because they do not know the difference between the two.

Many bank customers equate education savings with education insurance. Looks similar but not the same, both have very different risks and characteristics. The difference lies in its features, benefits and risks. Well, so you are not confused in choosing a bank product to prepare children's education fund let us see the difference of education insurance and education savings. Read: 5 Reasons People Don't Want to Buy Insurance

1. Understanding the Product

To see the difference first you can see from the understanding of the product. Savings and insurance are different products. Saving education is a bank product to save by providing insurance coverage in it. Education Savings are managed by Banks that can keep the initial capital intact. Customer funds will be managed in a savings and time deposit system with a duration of two years and above, where you have to deposit funds every month until maturity.

While the education insurance is an investment and protection program that is managed by the insurance company, where the investment returns are generally higher than the education savings. Educational insurance provides protection to protect family finances when the head of the family who is a source of income dies, or suffers permanent total permanent disability. From the above understanding you can already see the difference is not. So, obviously if the savings to save, and insurance for protection and investment. Also read: When is the Right Time to Apply for Education Insurance?

2. Product Features


Both of these products each have a variety of features. Education savings have a shorter tenure ranging from two years to five years. The offered interest is greater than the interest on savings account and is smaller than the deposit interest rate.

The proceeds from the investment of regular savings deposit can only be taken when the children enter school age according to their education level. There are also additional features of insurance to protect against unforeseen possibilities. If the parent (especially the provider) dies, the child's education savings deposit will be continued by the insurance. So the education fund for the child remains available when the child enters school.

While the main feature of education insurance is guarantee and protection, as well as insurance in general. Educational insurance has a life insurance feature that will pay the sum insured if the insured dies before the child enters the university. The opposite of educational savings is the added feature of education insurance is saving and investment. Hail obtained is greater than the education savings, because it is placed on mutual funds. For the interest depends on the investment performance itself. Insurance education has a longer period of time ie five years to 10 years.

3. Benefits

Saving education is a popular choice for some people in Indonesia. Benefits provided are more flexible time period aka funds can be disbursed whenever needed. such as the base money requirement, tuition fee, or child tutoring. This method is suitable for customers who want to save money within three to five years. Educational insurance provides life protection benefits at the risk of death over you, promising a certain amount of money. The sum insured is usually adjusted to the child's education costs as agreed in the policy.

In addition to providing life protection benefits, Educational Insurance also provides benefits as an investment, of some premium you pay. And instead, the insurance company will provide a certain amount of cash that has been agreed upon in the policy and the timing of the payment is also scheduled in the policy, in order to fit the child's school time.

4. Risk

Measuring the risks of educational savings has a smaller risk. Any applicable interest rate is guaranteed by LPS, with a certain interest rate. in contrast to insurance education funds are kept more volatile, so more risky. The value of a saved investment can be decreased, fixed, or increased. Now you can know the difference between education insurance and savings. Choose what suits your needs, each product providing different advantages and disadvantages

Tuesday, January 10, 2017

5 Reasons People Don't Want to Buy Insurance

Do you currently have insurance, but the insurance is insurance provided by the company? Or even have no insurance at all? In this article, we will try to explain why until now people are still reluctant to buy insurance. In fact, the insured awareness of USA society is still low. Of the 240 million people in USA, only 18% or about 43.2 million people who already understand and understand insurance. In fact, there are a series of compelling reasons why people need insurance.

Based on data from the Financial Services Authority (OJK), of that amount, only 12% or 28.8 million people actually feel insurance products. Another fact states that the USA population is protected with life insurance no more than 5% of the population. The figures are based on the Report of Performance Result of Association of USA Life Insurance (AAJI) First Semester 2014. In addition, the ratio of life insurance premiums to gross domestic product (GDP) in USA is only 1.6%. Though estimated in 2020, the number of middle class population in USA reached 141 million people. With these facts, what is the reason people are reluctant to buy insurance? Here are some reasons. Read: The Reasons Why Women Must Have Health Insurance

1. Insurance Has Not Been Considered Primary Needs

When called the primary needs, people will usually answer clothing, food, and boards. Once the three main priorities of one's needs are met, then secondary and tertiary needs will be met. Well, most people have not considered insurance as a secondary or tertiary needs, let alone a primer. The easiest proof is, you certainly often find people bergonta vehicles or gadgets according to current trends. But if the person is asked, whether already has insurance, chances are the answer is 'no' or 'not yet'. Furthermore, if asked again, interested in having insurance, chances are the answer is between 'yes' or 'no'.

2. Insurance has been covered by the Company

Currently, there are many companies that cover health insurance (such as BPJS Health) for its employees, and this becomes its own benefit. Registration is also taken care of by the company when someone starts working there. With the insurance of the company, making people no longer need to bother taking care of him alone. However, there are some companies advising employees to open insurance in private according to the insurance company that interest.

Even so, not necessarily the person automatically thought to have insurance that he bought himself. Because generally, home loans, car loans, or motor credits are a target for new workers. Then, what about having insurance? Most likely the answer is 'later' or 'no'.

3. More Choosing Investment than Insurance

Most people judge that having an investment (looks) is more profitable than insurance. They think, by investing, the amount of money or assets they invested will multiply over a period of time. Meanwhile, with insurance, if there is no insurance claim filing, then they feel the loss of having paid insurance premiums.

4. No Insurance Needs Because Younger

When young, healthy, and not yet dependent, the average person has not been thought to have an insurance policy. There are still many needs / wants while others need to be met rather than having to pay insurance premiums. However, talking insurance certainly talks about a risk and financial protection in the future. So, if at any time have a risk, then you also no longer need to trouble the family for the liability of losses that must be incurred.

5. 'Throwing Money' to Pay the Premium

Some people may still feel paying insurance premiums such as 'throwing money', because they think the benefits are not immediately felt. When it does not hurt, then they feel just to deposit money for free to the insurance company. But the fact is, when someone is without insurance or social security, the disease can easily drain somebody's money in a short time. For example, experiencing the risk of an illness and need special hospital care. Especially if you have a family and have to bear other living expenses. That's some of the reasons why until now people are still reluctant to buy insurance. Basically, insurance is a protection against risks that may occur in the future. The term, having insurance is 'ready umbrella before it rains'.

Friday, January 6, 2017

The Reasons Why Women Must Have Health Insurance

Women tend to have a higher risk level than men. Often we give lower priority to insurance compared to savings or deposits. In fact, when we get sick, especially women, the cost incurred for treatment is much more expensive than the cost of insurance per month. Comparison of Insurance Premium with Medical Cost, Insurance does not seem urgent, but when we are faced with the problem of disease, you must be patient to see the contents of savings that continue to drain in a short time.

Let's say internal illness, once checked into the hospital, can spend up to Rp1 million in cash along with the cost of medicine. Or even tougher is when the affected tipes and should be treated, imagine how manyteen million should be spent for recovery for 1 week in the hospital. While the cost of insurance premiums calculate only Rp500 thousand per month but when you are sick of the finances do not need to be bothered by the high cost of the hospital. Read: 5 Insurance That Must be Owned by Everyone

Surveys prove that women have a higher risk of disease than men. Therefore, as a woman, you should view insurance more wisely. Now let's look at the reasons why women are required to have health insurance.

1. Women More Vulnerable to Critical Illness

This point is evident from the existing data in USA. Every day there are 40 USA women detected cervical cancer. Even 20 of them have to die. In addition, further data found that 1 in 8 USA women are at risk of contracting breast cancer. Some of the reasons are because often use public toilets, diet, lifestyle to stress levels. This is where the important role to have health insurance in maintaining and protecting your lifestyle, to avoid critical illnesses.

2. Higher Stress Level
Especially for career women who every day active in the work environment, it can not be denied that the stress level will be higher. This high level of stress is the trigger of the emergence of various diseases that are ready to lurk.

3. Childbirth
This is the basic thing that distinguishes women and men. Women, when giving birth, there will be some chronic diseases that are ready to lurk women, such as breast cancer, cervical cancer, to complications after childbirth. It is important for you to start looking for insurance coverage for labor that can be obtained from the office or from the couple's office. Learn the extent of protection coverage.

4. No Attention to Health
This often affects career women. Too cool with work activities cause career women are not too concerned about his health. Disbanding the disease is easy to arise, the body vulnerable to various virus attacks. Diseases such as flu, dengue fever to tipes could have attacked you who are busy with work. Eaten food is not considered well because of the busyness that has drained your time.

5. Cervical Cancer Risk
Data from the USA Cancer Foundation (YKI) in 2013 mentions Cervical Cancer is one of 44 critical illnesses vulnerable to women in USA. Untuk young and active women, the risk of cervical cancer is more vulnerable, one consequence is because often use public toilets. This disease often attacks the productive age of 35-55 years. The cost of cervical cancer treatment alone can reach more than Rp400 million. For it is important to familiarize healthy lifestyle and keep your own cleanliness will further increase your body resistance against disease attacks.

High Cost of Health for Women

Of the five reasons above we can see that women are more susceptible to disease and health needs for women also require a higher cost. Researchers from the National Women's Law Center have found that women have higher health costs compared to men. This is because women visit doctors more frequently for checks or health checks. Women are more concerned with their health since they are productive, while men are usually after 50 years of age or after developing a disease such as heart disease or diabetes.

Right Protection for Women

Before you are exposed to dangerous diseases and triggers expenditures to bigger leih It's good to give the right health insurance coverage. One of the health insurance that can play an optimal role is Asuransi Mandiri Hospitalife.

This is a health insurance product as well as a life insurance that provides optimal benefits for you. The life protection products provided have the best benefits for the financial solution As a career woman with a high level of busyness, maintaining health with the right assurance will be very profitable. If the condition of the body decreases and the disease attacks, Mandiri Hospitalife Insurance will guarantee the cost of hospitalization for the sake of recovery of your health. Available inpatient health protection, outpatient and compensation money if the policyholder dies. Pay a premium of 4 years, cover up to 12 years. The premium you pay can return 100%, this is the privilege of Asuransi Mandiri Hospitalife.So, let wisely protect yourself from an early age with insurance coverage that covers everything. Protect early and get the benefits for your health.

Monday, January 2, 2017

5 Insurance That Must be Owned by Everyone

Understanding the USA society about insurance is still fairly minimal. Most people tend to be sentimental and indifferent when they hear the name of insurance. Some of them think insurance is only a matter of money and money. If you want to understand the insurance itself will know the benefits. In a concept of Financial Planning, insurance is one of the main pillars that should be owned by everyone. Insurance has a very important position to guarantee the future, because insurance will protect against any risks that you will face later.

Unfortunately it is found many people wrong in buying insurance. Should the required insurance is not even purchased, the reverse insurance that is not needed even purchased. So what assurances should we have to guarantee the future. Well, here are 5 insurance that must be owned by everyone:

1. Health Insurance

Pain open something that can be rejected when it comes, and who the hell wants to hurt? Surely no one wants not. If in the past when you are sick the cost and treatment is still borne by the parents, but when the adult it is a personal responsibility. When you grow up you should be able to protect yourself. If the pain is suffered lightly may not spend much money. But if that comes is a serious illness that requires surgery and hospitalization for days so that the cost is very much. Such a time is very important health insurance. Well when you choose health insurance pay attention polisnya and jagan hesitate to ask what options will you receive. With health insurance you prepare for the worst possible. Read: Sharia Insurance: Concept and Definition

2. Life Insurance

The next insurance to be had is life insurance. Life insurance is very important for those of you who have worked, especially if you are the main breadwinner in the family. You can guarantee the family's future if something bad happens. Life insurance will provide protection for your family or nearest people if an undesirable thing happens to you. An insurance policy will provide cash transfers to the heirs so as to ensure the lives of those closest to you financially.

3. Accident Insurance

Accidents are things we can not predict, when you have an accident insurance accident will provide protection. Accidents resulting in death, permanent disability, or injury. If what happens is permanent disability, you will burden the family for life. This is where accident insurance will help protect families against such risks because any costs will be taken over by the insurer.

4. Vehicle Insurance

For those of you who own a vehicle, registering insurance for your vehicle provides many benefits. Vehicle insurance is a type of insurance that is responsible for financing any damage or loss on the vehicle owner's policy. Vehicle insurance is one way for you to avoid the sudden expense of a large accident. Before applying for insurance, learn the insurance policy first. There are two types of insurance policies, to choose the right check back condition of your car. If your vehicle is classified as a new vehicle then choose a comprehensive policy. While the old car will need a policy that will guarantee severe damage, ie total loss only.

5. Education Insurance

Ensuring the future of the Child is the responsibility for every parent, therefore registering the educational insurance is considered an effective step to ensure the future of the Child is guaranteed. Education insurance is divided into two parts based on the benefits of investment and protection. Investment aims to raise funds for the primary purpose of financing children's education, while protection serves the purpose of protecting and ensuring the cost of child health when the baby is ill for the duration of the education insurance period.

If you want to apply for an educational insurance then adjust the premium with the cost of education of children in the future. It is advisable not to choose a small insurance premium. if your premium is low, then maybe you can not afford the cost of education of children in the future. Ideally monthly insurance premiums range from Rp500,000 to Rp800,000.

When you are checking your family's balance sheet, you may classify assets in the form of homes, vehicles, pensions, or financial investments. Only, there are other elements that can provide benefits that can not be given by other assets. This asset is life insurance.

Yes, life insurance is a form of financial protection provided by a life insurance company against a person (policyholder) against the risk of dying. Thus, the abandoned party (the insured) can still receive a certain amount of money, where the money can be used as living expenses by the testator. Life insurance needs to be owned by everyone. In addition to providing protection against financial losses caused by the risk of uncertainty in life, life insurance can also support a happy and prosperous old-age plan.

How to Calculate Life Insurance Sum Insured: Before discussing how to calculate the sum insured, it is better as a prospective life insurance policyholders, you already have the following points. Economic value is a value where your income per year averaged in each month. Or for an employee is the amount of net salary brought home. For the interest of the sum insured, the focus is only on the economic value is not enough or not the salary. The existence of individuals other than you are very dependent on the economic value, eg wife, husband, children, older brother, sister or parents who have retired. Transport other party's funds in business activity, eg personal loan outside of bank debt or other financing institution that has no life insurance.