Public Insurance

The amount of funds we retire the tube to determine the quality of life for our retirement!

We must set up education funds for our children, educate them on the best places, buy clothes, toys, and food the best. But remember, good is not necessarily true. We should also pay attention to ourselves, this is not selfishness but a truth.

If we spend so much money for the kids to things that are not a priority, eg, clothing or toys that are too expensive but forget to set aside for ourselves then in fact this could be a ticking time bomb. At the time they are adults and we retire there will be no more income while the need continues. Will we rely on our children when we retire? Surely that’s not what we expected. So it’s important to also prepare for ourselves.

There are 7 points the way to calculate how much pension we have to prepare:

If you work then you each month in fact you’ve saved 5.5% of your income (Social Security). That number is pretty good. The additional money can be your retirement.
Give thanks if your company provides pension funds are also outside the employees’ social security. You can add it to the pension fund in your calculation
Severance pay would you get if you retire from office. Consult with HR kira2 how you would get at retirement. Read the rest of this entry »

The claim is a right which is actually received by each customer insurance. And of course the insurance company will pay the claim, the liability of the customer are met. Come, let us consider the mechanism of Claims, so that your claim must be paid. And of course you are still antipathy / deny insurance to be open-minded, so soon have the insurance policy.

The purpose of the claim is to provide benefits in accordance with the provisions of your policy. So that claims can be processed and paid, pay attention to various important provisions regarding the filing of claims.

Before filing a claim, make sure you have the benefits that match those listed on your policy. Example: You only have life insurance only, then it automatically if you file a claim hospitalization, certainly not the insurance company will pay the claim. So go back and check your insurance benefits that have been taken, make sure you have insurance that will benefit you claim.

You must ensure also that your policy is still in a state Inforce / valid / active. So that you are always in a state policy Inforce, make sure you make payments / transactions on a regular basis.

Make sure also, your policy is not in the waiting period. That is the waiting period is a time of entry into force of your insurance protection. Example: for the protection of hospitalization due to illness, such as diarrhea, dengue fever, urinary tract infections, typhoid, etc.. Waiting period is 30 days after the receipt of a customer with insurance. Remember also that the requirement for a claim usually must be hospitalized, could be at least 1 x 24 hours or 2 x 24 hours.

For you who use the card, immediately to the Phone Number listed on the card, in order to process more quickly, or immediately contact your insurance agent. It’ll help him.

If you’ve ever lapse policy, make sure when submitting a claim, your policy is not within the waiting period as well as having certain exceptions.

Make sure also, claim that you’re proposing is not an exception contained in the Policy. Example: You already have had a kidney stone operation, well when you apply a policy, you are told to medical. And it turns out medical less good results, so for the pain because of kidney stones are not discovered. So if you make a claim because of kidney stones, auto insurance companies will not pay for it.

Well, after the above provisions are met, the claim that you are proposing must be completed with all requirements and required supplementary documents.

So before the claim is made, examine the criteria that the claim will be filed or contact your agent for help. After ensuring the above suit, then as soon as possible to make claims (claims submission), as it will expedite the claim process.

Following the General Claims Processing Stages:

1) Claim Form completed by the Insured / Participant / Policy Holder / Heirs (for death claims), to include a certificate from a doctor.

2) Insured / Participant / Policy Holder / Heirs documents submitted claims to insurance companies, such as receipts, the medical records, laboratory results, police report (if claim for the accident), and other necessary documents.

3) Include the Policy Number and Account Number you with the right, and sign according to Claim signatures that are in the policy, include self-identity as well ( ID card / driving license / Passport). So make sure you have included Policy Number and Account Number Policyholder clear, complete and correct.

4) Insurance Company will make the process of validation and verification of a companion document to the Policyholder / Insured / Heir and the doctor or hospital if necessary.

5) If the results of validation and verification by the insurance company is in conformity with the provisions, payment of claims will be processed by the claims.

6) insurance benefits will be paid / transferred to the Policyholder / Insured / Participant / Heir.

Value Of Trust

By looking at the provisions above, the claim is no longer a complicated issue, the claim is a simple matter. Insurance companies will pay your claim. So, make sure you have an insurance policy as a sign of and love for family, wife, husband, and the fruit of your heart. And make sure you choose the Right INSURANCE AGENTS, in addition to the Right Company.

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Superior Term is a term life insurance program that provides protection during the contract period (maximum up to 65 years) with a fixed premium or often referred to as pure insurance.

Special Benefits of term life policy is still valid can be converted to a range of life insurance that has a savings element without having to make a doctor’s examination provided the sum insured (initial risk) is not greater and age is still within acceptable limits. If the conversion performed in 5 (five) years of the first term of the policy and enactment of policies not yet expired, premium rates of the new program will be based at the early age of the insured.

*) If the conversion is done after the fifth year but before the expiration of the tenth year Term Life policy and enactment of policy has not ended, then the premium rates charged are based on the age of the insured when applying for conversion.

After the policy runs more than 10 (ten) years, Term Life policy can not be converted.

*) There is a possibility of shortage of premium payments from the new program.

At the end of insurance period, the program can be extended automatically, without going through the underwriting process continued as long as premiums are paid on time, sum (initial risk) does not get bigger, the new insurance period not longer than the original insurance period and age is still within the limits acceptable. Premium rates used are based on the age of the insured and the premium table applies when an extension done.

PROTECTION
Died in the insurance claim, will receive compensation amounting to 100% Sum Assured