Archive for the ‘Insurance Tips’ Category
7 Reasons Why Sharia Insurance Education Worthy of Selected
January 20th, 2012 | 
Author: 
Insurance Education Foundation as a financial planning education to the baby’s already a lot being offered by various types of insurance companies, whether Islamic or sharia conventional. Choosing Insurance education is one of the wise way in preparing for the education fund as it has advantages as follows;
1. Information a clear and transparent
Prospective customers will be given clear information with detailed illustrations Takaful including all costs and benefits that will be accepted. So will provide assurance that funds will be managed.
2. Attractive cash
Participants was considerable savings in the first year since Takaful wearing only a small management fee.
There 3. Tidak Other costs
There are no additional costs or deductions other than those already mentioned in illustration of any condition of the participants later on, for example, breaking a contract in the first year.
4. Avoid unlawful Investment Results
Takaful carefully managed and supervised by the supervisory board of management of sharia. There are no management activities containing usury, gambling, and from investing in places that are forbidden such as conventional banks, businesses that contain gambling, liquor and so on.
The Complete 5. Perlindungan
If a participant destined dies, the heirs (wife / husband and children) do not only get the insurance money, but also the stages of school funding and scholarships each year from kindergarten through college.
Free 6.Masa Premiums
There is a premium-free period. Participants do not need to continue to pay premiums, but children will still receive the scholarship while in college.
7. Professional
Takaful agent will work as closely as possible to give good service because it does not work solely for material gain, but well worth the worship.
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CHOOSING THE RIGHT INSURANCE LOSSES
You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products will you use, either for yourself or for your employer. These tips can help you.
1. Separate items / objects in accordance with the calculation of economic
Select the items that really need insured so you have nothing to lose. For example, if you intend to take fire insurance for the house and household furniture, then you do not need to enter the computer and all the accessories into the calculation. Why? Because the recovery value for the company’s computers is very low when compared to the current value of the computer or at the time of purchase will be insured.
Another example, you would take out insurance of motor vehicles (cars) the company’s assets. If the cars to be insured are aged over 10 years, the economic cost of insurance premiums will be greater. Another case when a company can set their own / self insurance for vehicle assets.
2. Identify items / objects are clearly
We recommend that you first identify the item / object to be insured. For example, the Toyota Corolla sedan in 1998.
At the company, such a garment factory and its machinery, generators and other equipment associated with the activity of the plant.
3. Choose the insurance company with good reputation
Do not be fooled by insurance companies provide premium rate (the amount paid for a unit of protection afforded) a low or a high premium pieces. If you do, can-can the insurance company can not complete payment of the claim at the time you make a claim against them.
4. Give the information as clearly as possible
Provide information about the object as clearly as possible will you insured to the insurer / insurance broker. Instead, ask for more-complete information about the insurance products they offer. You can ask about the types of insurance, extensive warranties, rate premiums, deductibles (the amount of fees you will pay before the insurance starts paying compensation), or a piece of the claims procedure.
5. Ask your insurance coverage (insurance coverage) is best
You should ask the most extensive insurance surety before the insurance company issuing the insurance policy.
6. Choose a package of insurance products
Instead of just choosing one insurance product, you are encouraged to select one packet at a time. That way you will get discount facilities and better service. For example the purchase of home insurance (Fire Insurance) the following cars (Car Insurance) and personal accident for the family members.
7. Ask the system of “First Loss Insurance”
Special coverage for objects that have a value / number of very large, for example over 100 billion, have the system of “first loss insurance” to the insurance premiums that you pay is not too large.
8. Ask the system “Adjustable Policy”
Value / amount of insurance stock merchandise usually show different volume every day or every month. To fix this, you can ask the system “adjustable policy”. With this system you will pay premiums in accordance with the volume / transaction really you have done.
9. Read, carefully and ask
Carefully read and examine the contents of the policy statement and the article-the article. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, either on the object of insurance or any other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.
Once you have approved the issuance of the policy in question, ask for the original and the duplicate policy document, complete with receipts as a sign of ownership and payment of insurance premiums
Choosing the Right Insurance Product
As might be expected, the most appropriate insurance product is not a unit-linked or other insurance that has a value of investments. With unit-linked, customers get lifetime protection, although of course almost everyone does not need life insurance protection throughout his life. On the unit link, the customer must still pay insurance premiums even when concerned at all do not need it.
The second reason is administrative costs and agent commission on a link unit is too large. In the first years following the link unit, practically wiped out customer funds to pay the agent commission. In addition, there are other administrative costs are no less magnitude, and usually the prospective customer does not realize it at first followed the unit-linked insurance.
So life insurance products where appropriate? The most appropriate products are term life insurance. Term life insurance is pure insurance products, no-frills investment. If the insured dies during a dependent, then the left will get the sum assured. If the insured is still alive at the end of coverage period, then the premiums will not go back.
The characteristics of term life insurance are as follows:
- There is no investment element or for the results (except perhaps the Islamic insurance).
- The length of coverage period is relatively short and not for life. Usually sold in units of 1, 3, 5 or 10 years.
- At the end of coverage period, the customer has the option to renew contracts with large premium increases in accordance with the provisions stated in the policy.
- Price premiums are relatively cheap. Market today for about 30 years old and not smoking is approximately USD 300 thousand / year for the insurance money of Rp 100 million.
- Almost never offered as an insurance agent commissions they get much smaller than if they sell unit-linked products. Customer must ask for specifics or even come to your own insurance company offices.
Be Careful When Choosing Insurance Agent
Insurance agent usually works for a particular insurance company. Even so, if he is an independent agent, he can negotiate policies with various insurance providers in order to provide maximum benefits to clients. If an agent can be fully trusted and has high credibility, he is a great source of assistance to his client.
However, not all agents are like. Sometimes some agents are not trusted do not to put the interests of clients in the first place.
Because of complicated insurance policies, agents are not good to cover up the shortcomings of the policy. For example, insurance policies in an insurance company in Indonesia which has famous red logo when examined had many clauses that do not provide maximum benefit to the clients.
Surely we want the premium money that we deposited each month to be valued as high. Choose an agent who can be trusted and happy to explain the policy to the client. Avoid an unpleasant surprise when the claim. A good agent is willing to help process your claims to insurance companies.
Are you sure your insurance agent is not cheating you? If you are not sure about this, you can consult with other people who really know about insurance.
Tips On Choosing Health Insurance
Health insurance is a guarantee of insurance products whose main function is to guarantee the cost of health care clients in case of accident or illness on the client.
There are various kinds of health insurance that you can find on the market, such as health insurance issued by the government as well as those published by other private companies.
Given the importance of health as well as the high cost of medical and hospital expenses, health insurance is something very important today. However, you also must consider many things before making your choice on the most suitable health insurance for you and your family.
Here are some things you need to avoid in choosing health insurance:
1. Do not know the benefits offered by health insurance.
Health insurance is very important, but choosing health insurance without knowing the benefits that you can is something you should avoid. This will only lead to trouble because maybe you think that when you need insurance is where you feel entitled to certain facilities, but it turns out you can not get it. Be a wise buyer by carefully studying the health insurance options before you buy.
2. Not utilize all the services offered.
When you choose a health insurance complete with all the services and features offered such as free checks at certain periods of very unfortunate if you ignore it and do not use the service. Therefore, point No. 1 above is important so that you know the true benefits of health insurance that you choose and can obtain maximum benefits and results of each service offered.
3. Avoid choosing a health insurance that you require treatment to areas far from the location of your residence to obtain the services of the health insurance you select it.
Make sure that before buying a health insurance, the services provided in this hospital or doctor’s referral is determined to be around where you live.
4. Avoid choosing health insurance in a hurry, without considering beforehand or compare with other products.
Hasty decisions that will complicate your life later on because there are many things to consider before buying health insurance, including services that are offered, the credibility of the insurance company, the cost of premiums and deposits and so forth.
In selecting health insurance you should really look that suits your needs, at least close to what you need to remember the service and protection of individual health insurance is different. Make sure that you have studied carefully the health insurance and are in accordance with the conditions you are good financial condition and future protection you want. Thus you will obtain maximum benefits and results from the health insurance you choose.
Tips To Buy Cashless Health Insurance
“Health insurance is cashless” is health insurance that provides hospital facilities Partner (Provider) for the participants so that if the participant should be cared for in a partner hospital in question then the participant will be cared for in Class rooms are taken in accordance with the plan and not have to bother spending money – to deposit the room (which is usually quite burdensome for you, especially when emergencies) plus the cost of doctors, medicines, surgery and other costs borne by the “cashless health insurance” until the patient is out of the Hospital, as a participant of health insurance cashless you will be given a membership card, which simply indicated to the RS Partners.
So the next question is whether all existing health insurance is health insurance card cashless means? of course not the case, there are several companies that provide health insurance cards to its customers but if customers still have to pay in advance sick of all hospital costs to later in reimbursing to insurance companies, for that you as a prospective client shall jelly and carefully before buying, make sure to See your dealer that offered health insurance is cashless.
In a cashless health insurance there are still some facilities also benefit and cost components of coverage we need to know, because as a customer you deserve to get the best, for it is here we will give you some tips on buying a cashless health insurance:
- Look for the “cashless health insurance” a long period of coverage (up to age above or more than 70 years) because of your condition even more vulnerable and require a relatively large costs for health care at your age the more elderly.
- Find health insurance is cashless hospitalization applicable minimum requirement of less than 24 hours
- Find the cost of drug coverage fits the bill, it is necessary to remember every year health care cost inflation is relatively high
- Find the coverage cost general practitioners and specialists who fit the bill
- Find the insurance operating costs and bill the appropriate surgery
- Make sure the cost of medical consultation, medicines before and after an appropriate inpatient bills for ordinary expenses before and after hospitalization and the burden is large enough you will
- Search for “cashless health insurance” that his hospital provider number and spread throughout Indonesia
- Make sure your membership in a cashless health insurance can be extended any medical condition in the future, meaning that there is a written agreement in the policy that states that your participation in a cashless health insurance can be extended
- Buy health insurance that suits your lifestyle, if you prefer a treatment room facilities are good, it is advisable to purchase products with the benefits of high room
- If you would prefer to go abroad for hospital treatment, buy products with the highest benefit, taking into account the high cost of overseas treatment
- To avoid bear the excess cost of treatments use the rooms in accordance with the class rooms are covered by a product that you have
- Choose the health insurance that provides hospitalization benefits abroad including America, Canada and Japan
Similarly, some tips on buying a “cashless health insurance” this time, may help those of you who are still confused to choose a cashless health insurance that suits you and your beloved family.
Tips for Easing “Health Insurance Claim”
Health insurance claim? I do have a cashless health insurance? yes, it’s true if you have a cashless health insurance when hospitalised partner (provider) you certainly do not need to file a claim at all, because you just show the card and went to sleep and being treated “in a free” because the entire cost of your care will be billed directly to your insurance company, so it is very helpful and “not bother” you.
But imagine, if you had to be hospitalised are not a partner or were you treated abroad course you must pay in advance all the costs of care for later in the claim to your insurance company is not it? nah to process your claim can be processed quickly and does not make you have to “back and forth” to business claims, especially if you seek treatment abroad and then claim there are still administrative requirements are not complete, how much should you spend? and the time wasted?
Tips facilitate your health insurance claim is intended to help you save money and your time, so your claim can be processed smoothly, let us consider the following simple tips:
1. Proof of Payment (Receipt)
Especially for the abroad treatment , there are some hospitals that do not issue receipts (official receipts) as proof of payment, but the hospitals will reprint the “Tax Invoice” (as the billing details) by stating the payment details (date, payment methods) and at the very bottom to include amount due (balance / rest of the bill) is equal to zero (= 0). Mount Elizabeth and Gleneagles Hospital Singapore is an example of applying these procedures.
One of the health insurance claim filing requirements as stated in the policy book is proof of payment (invoice / receipt) and if the hospital did not issue a receipt but scored again as a substitute for Tax Invoice receipt, the customer must submit the original Tax Invoice sheet (not a duplicate / Certified True copy) that includes the amount due equal to 0 when filing health insurance claims. But if the hospital issued a receipt (receipt / official receipt) as proof of payment in addition to Tax Invoice then the claim should still be equipped with a receipt.
2. Completion of Medical Certificate
Health Insurance Claims for those of you who get treatment overseas, doctors certificate form must be filled completely and correctly by your treating physician, using two (2) choice of language, namely English or Indonesian.
If the doctor or hospital fill out a form with not using one of these languages then you must include a translation made by a certified translator. Translations must be made on official institutional letterhead and sent the original translator at the time of filing health insurance claims.
In addition, all billing details, type of inspection / action, drugs, etc. must be submitted to your insurance company when filing a claim. All the details are not written in Indonesian or English must be translated as described above.
Health insurance claim was very simple right? there are only 2 items that we need to complete at the time of filing the claim, namely: receipts and medical certificate. Well, hopefully this time tips to help you and be able to provide some enlightenment regarding health insurance claims.
Tips for Choosing Health Insurance
Health insurance is important for individuals who are still single or married. As we know, the cost incurred at the time of hospital admission is not cheap. It is usually not quickly realize until we experience it for yourself.
These are some things to consider before buying health insurance:
1. You must choose whether to inpatient plus outpatient, or either one alone. In fact some insurance there are some other extras such as birth, eyes, teeth and so on. Choose to suit your needs
2. For inpatient care, you can specify how you want the class room. VVIP, VIP, class 2 and class 3
3. If you’ve got health insurance from work, check what dicover. Is it enough for your needs? If not you can buy extra insurance just by looking at the difference the shortfall. (Can use the room as a benchmark) an
4. Look at the hospital closest to their residences or offices and ask the insurer if there is cooperation between the hospital you want to facilitate the claims process.
5. Ask the hospital, where they recommend insurance. Because the hospital would prefer if their insurance claim, right fast payment process.
6. There are health insurance reimbursement system and there are just simply using the card. Usually, health insurance can be used for almost sempua hospital reimbursement system, but not all accept the card unless the partner hospitals. Ask your insurance agent, any hospital which is their partner
7. Find an agent that has long been in the business of insurance and reliable when you need him to process claims and so forth.
8. There is health insurance that provides limits – limits the cost. As a small surgical USD Xxxx and drugs. There are also imposes limits not per item but per year. Example: In one year you are given the limitations – and the limits that can be used for any items except the room (because it was determined from the beginning) Read the rest of this entry »