Health Insurance

Health insurance is one type of insurance product that specifically guarantee the cost of health care insurance members or if they experience illness or accident.

Health insurance products organized by social insurance companies, life insurance companies, as well as a general insurance company. Some insurance companies life insurance losses and has also marketed health insurance programs with a wide range of variants.

Present era, very pronounced health costs is becoming increasingly expensive. The doctor's fee, medicine, let alone for the cost of hospitalization is a cost that must be paid when You or some of your family members stricken with the disease.

Be thankful if you are currently working at a company that has had a health insurance program so that it can minimize risk when experiencing pain can be helped by the existence of a healthinsurance program.

If you currently follow recommended that health insurance programs don't hesitate and be prepared to plan for purchasing health insurance, because disease knows no age though the age old logically susceptible to disease, but the premium payable depends on your age.

Increasing age of the premium paid will be more expensive and more aggravating circumstance where if you've been experiencing critical illness, it will be difficult to get accepted into the program or health insurance.

Judging from the kind of health insurance in Indonesia consists of collective health insurance and individual health insurance. Individual insurance is specifically intended for the personal or family, while the collective insurance for companies to provide health coverage against his officers.

The burden of individual insurance premiums relatively more expensive compared to the collective health insurance. Why is this so? It happens because the number of individuals or participants who participated in the collective insurance is more so when the occurrence of risk, the claim can be divided equally with all individuals who are in the group.

Health Insurance Benefits

1. Help availability for all cost doctors, drugs, hospitalization, to action. In General, the type of treatment or programs available is the benefit outpatient (outpatient), the benefits of hospitalization (inpatient), childbirth benefits, and the benefits of dental care.
2. Benefit inpatient (inpatient) which can be enjoyed by the participants of the health insurance covers the cost of hospital care, laboratory fees, the cost of delivery, costs of emergency (emergency service). As for dental care benefits comprise prevention, basic dental care, dental treatment is complex, and the installation of dentures.
3. Benefits of ambulatory (outpatient) include the burden of consultation with general practitioner or specialist, drug use, prescription costs top precautions, as well as the cost of props are recommended by doctors. There is a maximum limit of use of funds each year in outpatient benefits.

A third treatments benefits above constitute an additional option that we can take by following the Basic program, that the benefits of hospitalization. We can't just take advantage of one of these additional options without following basic programs i.e., hospitalization benefits.

Magnitude value of the premiums to be paid as well as the value of the coverage in health insurance is very depending on the program that we choose. Various insurance companies have different premium programs and with details of different coverage benefits.

The health insurance system or replacement Claims

There are two types of systems are used namely replacement system (reimbursement) or system provider. With the system reinburstment, participants should use the insurance money in advance to pay for medical expenses, so on may be claimed or request for reimbursement to the insurance company.

Using the system reinbursment you have freedom in choosing a hospital, but the maximum replacement cost has been ditentapkan in advance. For completeness of the enclosed claims melalakukan letters of administration that became the main requirement in order to process the replacement cost that you have to spend in order to be paid by the insurance company. The length of time of disbursement claims depending on the service provided, but generally range from seven days of work.

For a system provider we do not have to spend money upfront. You just simply show the membership card of health insurance for health services that are needed in a hospital or clinic which we have previously agreed on appropriate hospital or clinic that has been working with the insurance company.

Choose Health Insurance

If we examine today there are countless insurance companies, need to be a wise strategy and measures. Here are some tips in choosing health insurance:

1. Please choose the insurance company that has a track record that can be trusted with excellent products and services. Insurance companies are good, usually have many branches and you can look through the news media or the internet.
2. Examine and compare the benefits and premiums should be paid, recommended choose the product that suits your needs and your abilities.
3. Learn in advance what kind of services they offer and what are the advantages that you can get. Read the whole article for the sake of the article in detail, because usually they often include terms that are less obvious bias or its meaning.
4. Please choose a value-based insurance economical replacement if later you need the cost for treatment and not because of the views of the value of the premiums.
5. Join the health insurance programs collectively, because the burden of premium paid will be much cheaper. If your company doesn't provide health insurance coverage, you can also invite your friends to join the program.

How To Claim Car Insurance

Hello readers

Again we meet with this simple blog.

I am writing this blog is only gradually became, as I am still working on the job tax sunset policy by 2015. So much of my time is taken for the job of principal.

OK buddy we are back discussing about insurance. My previous post on how to choose insurance for the car. I want to share about this time about how to claim insurance on a vehicle or car.

Because sometimes we still confused how to apply for car insurance claims. If you've been involved in a car accident and need to file an insurance claim, this article may help you understand how the claim process works.

If you've been involved in a car accident and need to file an insurance claim, this book will help you understand how the claim process works.

This paper is not a legal document and does not in any way modify or replace Your automobile insurance policy. For more information about your specific situation, speak to your insurance agent, broker, or company representative.

 

For any kind of claim, there are a number of points that you can follow to make the process quicker and easier. Following an incident, record as much information as you can. A lot of people collect just the name and registration details of other parties involved, but the more detail the better when it comes to lodging your car insurance claim.
Aside from the time, date and location, collect the full address, licence and registration details of other drivers involved. Also make note of whether the car is owned by someone else other than the driver and take down their details.
Other information that will help in the car insurance claims process include the colour, make, model and year of other cars involved and the extent of damage to them – it helps if you can take photos of the scene either with a digital or mobile phone camera. Take notes and photos of damage to other cars, as well as the condition of the road, weather or other external factors that may have played a part in the accident.
Depending on the nature of an accident, it can be beneficial to obtain the details of any third-party witnesses. Many people think: “Well, my sister was with me in the car so she should be a good enough witness.” However, what insurance companies look for if there is dispute over who was at fault in a collision is unbiased perspectives, so take down the names and contact details of independent witnesses if you can manage it.

If you can’t provide the details of the responsible party and vehicle that caused the accident, you will need to pay an excess. Furthermore, your no claim bonus or car insurance premium might be affected.
The other major point to note following an incident is not to admit fault or liability, and don’t attempt to settle any insurance claim made against you. A lot of people might think they are at fault immediately following an accident, but legally you may have been in the right. It’s not your job to work this out, so leave that decision to your insurance company.
If your vehicle is not driveable and you have car insurance comprehensive cover, arrange for it to be towed somewhere safe. If you are able to call your car insurer at the time, they may be able to assist in arranging a tow truck operator to attend the scene. Make sure you obtain the address details so that you can let your insurer know where your vehicle is located.

 

Report the Accident

When you are involved in an auto accident involving injury or property damage, you need to report it to your insurance agent, broker, or insurance company within seven days, regardless of who is at fault.

If you are unable to report the accident within seven days, report it as soon as possible after that. If you don’t report your accident within a reasonable amount of time, your insurance company may not have to honour your claim.

Have the Facts in Accident

Your insurance agent, broker, or company representative will likely ask you to supply some basic information. To help speed things up, try to have the following information with you when you call:

1.     the name of the registered owner’s insurance company and his/her auto insurance policy number;
2.     the make, model, year, registration and licence plate number of the vehicle; and
3.     details regarding the accident, including:
4.     the driver's name and driver's licence number (if the driver is not the registered owner);
5.     the date, time and location of the accident,
6.     the extent of any injuries;
7.     the number of passengers involved, if any;
8.     the extent of damage to the vehicle;
9.     your description of the accident;
10.     the names and driver's licence numbers of the other drivers, as well as the names of their insurance companies and their auto insurance policy numbers;
11.     the licence plate and vehicle identification numbers of the other vehicles; and
12.     the name and badge number of the investigating police officer, if the accident was reported to the police.

  
Read Your Policy

It's a good idea to sit down and thoroughly read your Automobile Policy . It provides specific details about your insurance coverages, your rights and your responsibilities under the contract. 

If you do not have a copy of the Automobile Policy , ask your insurance agent, broker, or claims adjuster for a copy, or download a copy.

The claims process will be easier to understand if you know the details of your coverage and your responsibilities.

What Happens After You File a Claim with Your Insurance Company?

Once your claim is reported, you will be contacted by the claims adjuster assigned to your file.
In some cases the adjuster will want to meet with you in person; in other cases the entire claim will be handled over the telephone. To support your claim, you may also be required to complete a claim form, also known as a Proof of Loss form (a sworn statement in support of your claim).
Your claims adjuster will determine the extent to which the claim is covered by your insurance policy, explain the coverages provided by your policy, and help guide you through the entire claims process.
If you have any questions or if there is something about your policy or claim that you don’t understand, ask your claims adjuster for clarification.

How Does Your Insurance Company Assess Fault?
Someone is always determined to be at-fault in an auto accident, whether partially or fully.
Insurance companies must determine the degree of fault to be assigned to each driver for purposes of determining which property damage coverages apply to the accident, and to ensure that the premiums of the driver who was more than 25 per cent at-fault are adjusted appropriately.
The Insurance Act and the Fault Determination Rules made under the Insurance Act determine fault for an auto accident. The Fault Determination Rules are regulations put in place to help insurance companies provide consumers with prompt claims handling and consistent treatment.
After you report an accident to your insurer, the company will investigate the circumstances of the accident and then make a fault decision based on the Fault Determination Rules.

Cover more than 40 accident situations, using diagrams to illustrate specific occurrences, can be applied to almost every possible road collision scenario; and are applied regardless of road or weather conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.
Fault is allocated to each driver based on which accident scenario most closely resembles the accident. If the accident is not described by any of the scenarios, then fault is allocated according to the ordinary rules of negligence law.

 

 

Choosing A Credit Card

Why at this time many people like to use a credit card?

Obviously because of the simplicities. With it, you can buy an item without having to pay the whole price of the goods or the term can be installment umpteen months (depending on promo/vendors) so you can buy the item without having to wait for Your accumulated savings.

The other advantage is the credit card can help you create financial statements for free. Each month, you will be sent a list of transactions last month. This can help you to audit the spending you do.

Practical! How it feels to bring money ' millions ' in your wallet? Certainly it feels uneasy and misgivings. Uneasy because her wallet tebel really and was was for fear their wallets too flashy. With a credit card, you can bring a piece of card to perform a variety of transactions, not practical?

 

He said that credit card ' danger ', not true?

Actually kalo used excessive! Gini, as has been explained above, the credit card gives us the ease of shopping. Well this is due to the ease, there are some people overdo it. Shopping exceeds the ability of pay, this is dangerous.

 

If you use it wisely, you'll be greatly helped.

There are 2 tips that can help you control the use of the credit card, namely:

1. Reserving 1 cc only

Generally people think have much credit card, they can be more thrifty in fact more people are excessive shopping. So it's better to close all Your cc, reserving 1 only.

2. Lower limit

By default the bank has given the limits of the use of the maximum limit for each type of credit card. If the limit is quite high compared to your income, immediate request to shrink the limit. In this way You will definitely not be wasteful.

 

How to save money using a credit card?

Really easy! Follow the latest updates promo so can save money.

Even with the use of a credit card, You can be able to cashback (3-5%) of the rich Carefur, hypermarket, Giant Hypermart, etc. Okay right?

 

When managed to have a credit card, a lot of people who directly use it without thinking much. Take credit everywhere so that any mortgage laying up. Many think when it already has a credit card that is a final achievement. Use and pay off its debts.

Whereas, when having a credit card, it is very important to improve your credit score. The point is for the future, i.e. when it will submit the credit card again or ask the loan to the bank. With a good credit score, loan interest granted is smaller, and the process becomes easier. Therefore, here are five ways to improve your credit score.

Pay Bills On Time

Without having to be told any paying bills on time is an obligation in order for the debt you don't hitchhike. Bonus of paying on time is you get the good reputation of the bank. Therefore, if you ask a loan to the bank, the process will be easy enough. Note a good credit card payment that can also be accessed by the rest of the bank so that you become a good customer. Instead, there is one bad note, for example, there are debts that debt, it's also still stored in the bank and can be seen by any bank or credit card issuer.

Have A Steady Job

Another way to increase your credit score is to have a steady job. Have a steady job that means you have a steady income. By having a steady income, meaning you can pay the installment credit cards regularly, paying on time, and secure its future.

Have Assets

To gain a good reputation in the eyes of the bank, You will also need to have some assets, such as property, stocks, or investing. By having some assets, means you have good financial conditions as well as good management.

Reduce Debt

Have debt bodes bad for your credit. Therefore, try to reduce the amount of debt or mortgage you take. If ever there was a debt that has not been paid off, immediately get rid of the debts in order for your credit to be good reputation back. Don't worry about the debt you have, it is inevitable. The important thing, you pay that debt repayments on a regular basis, even if it can be directly at once paid in full. If there is a debt that has not been paid off, don't try to take another installment.

Become A Customer Loyal

Loyalty is something that is rare, as well as in terms of banking. The Bank will treat the customer well, let alone its loyal clients that have a long credit history and good. Therefore, with the faithful at one bank, your credit score has become even better.