Insurance To Protect The Life Or Economic Value?

Friday, August 12, 2011

I've heard the opinion of some people about life. Some say: "Life is God's business. Insuring our souls means precedes the will of God. "

So roughly. And in fact, quite a lot of people who are allergic to hear the word 'insurance'. Funny thing is, those who are allergic to this life insurance did not hesitate to insure a car, motorcycle or houses they have.

Hence, it is not surprising if the majority owner of a motor vehicle to protect the economic value of the vehicle with insurance, while only about 3% only Indonesian who consciously protect themselves with the economic value of life insurance.

Actually, life insurance not to protect our souls. But rather to protect the economic value ourselves. For example, if today we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic life of our family with 5 million expenditure could be kept awake, 'even if' something happens that causes us no longer able to produce that kind of money. We do not expect this 'something' was happening.

But who can ensure the future?

Therefore, try to ponder: If the economic value of a car or a house we just covered, why do not we protect the economic value ourselves? Is a car or a house worth more than ourselves?

If our employees, try to check whether the companies in which we work is to provide life insurance for us. These companies typically provide a good life insurance for his employees. But there are two things we need to do:

First, ask your human resources department, whether the insurance provided is only valid as long as we work at the company, or it could proceed alone if we stop working.

In general, if employees resign or retire, then life insurance will automatically be disconnected. Therefore, consideration should be to buy their own insurance. Unless we plan to continue working as a professional.

But consider also, if we retire, whether that protection can be taken away as a retirement package or not.

Secondly, if the company has been providing life insurance that we can manage its own (can be taken away and resumed his own) then maybe it's time to do financial planning or school fees of children in the future.

Some people prefer to save every month in the bank, and not taken-take. No matter if we can be disciplined way. But if not, maybe insurance education can be a way out.

Apart from that, education has the advantage of insurance protection side, which is not owned by the resp.

The principle is: if there is 'something' in us, then our children still get guaranteed financing of education in accordance with what we have planned.

Although we are not interested in buying an insurance policy, we need not hesitate to consult with an insurance agent. There is no harm if we understand the mechanism of this model of financial planning.

At least, we can compare it with financial planning strategies that we are currently running. Although we do not buy insurance policies from them, they are usually happy to help us to design our long-term financial plan. That is, we can get a free consultation about our financial planning. Not bad right?

Currently many insurance combined with investment. So, you get the benefit of protection, as well as we can see the portion of the money you paid as savings or investment that continues to grow and develop.

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Cashless Health Insurance Buying Tips

Wednesday, August 3, 2011

"Cashless health insurance" is health insurance that provides facilities Hospital Partner (Provider) for participants so that if the participant should be cared for in a hospital then the participants' partners will be cared for in Class rooms are taken in accordance with the plan and not have to bother bother to spend 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 participants in health insurance cashless you will be given a membership card, which simply indicated to the RS Partners.

So the next question is whether all health insurance means that there is a health insurance card cashless? of course not the case, there are several companies that provide health insurance cards to its customers but if the customer still must pay the first sick of all hospital costs to later in reimburge to insurance companies, for that you as a prospective customer must be observant and carefully before buying, be sure to See your dealer that offered health insurance is cashless.

In the cashless health insurance there are still some facilities also benefit coverage and cost components that 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:

1. Look for the "cashless health insurance" a long period of coverage (up to age above or more than 70 years) because of your condition is even more vulnerable and require a relatively large costs for health care when you get older age.
2.  Find a cashless health insurance is the minimum requirement applies inapnya hospitalized less than 24 hours
3. Find the cost of drug coverage according to the bill, it is necessary to remember every year health care cost inflation is relatively high
4. Find the cost of coverage both general and specialist physicians who fits the bill
5. Find the insurance operating costs and the appropriate surgery bill
6. Make sure the cost of medical consultations, drugs before and after hospitalization according to the bill because of unusual costs before and after hospitalization is quite large and burdensome you later
7. Search for "cashless health insurance" that the hospital provider number and spread it where you live
8. Make sure your membership in the cashless health insurance can be renewed any day your medical condition, meaning there is a written agreement in the policy stating that your membership in the cashless health insurance can be extended
9. Buy health insurance that suits your lifestyle, if you prefer the amenities of good care, it is advisable to buy products with the benefits of a high room
10. If you prefer to go abroad for hospital treatment, buy products with the highest benefit, taking into account the high cost of overseas treatment
11. To avoid bear the excess cost of treatments use the rooms according to the class rooms are covered by a product that you have
12. Choose the health insurance that provides hospitalization benefits abroad including America, Canada and Japan

Similarly, a few tips on buying a "cashless health insurance" this time, may help those of you who are still confused in choosing the cashless health insurance that suits you and your beloved family.

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Health Insurance Cash Plan as a Substitute For Income

"Cash Health Insurance plan" is health insurance that provides replacement value of your economy when you are hospitalized, cashplan health insurance is better known by health insurance with replacement cost hospital room.

Here are some advantages of this cashplan health insurance:

1. Cashplan health insurance premiums are the cheapest compared to other types of health insurance, life insurance companies usually provide this plan as a rider in a link unit that they offer
2. Could double claim, cash plan health insurance benefits is that they allow you to make a claim on more than one health insurance policy you have
3. Receive a copy of receipt, to submit claims as described double point 2 above you simply attach a copy of all hospital costs, doctor's diagnosis etc. legalized by the hospital where you were treated.

Cash Health Insurance plans can be an alternative for those of you who want to have health insurance but with a minimal budget, though not all at the cost of health insurance cover by this species, but at least you get the reimbursement amount sufficient funds lighten your load when I have to get hospice care , especially if you are an employee who obtain health care costs from the budget office cashplan of health insurance can be a substitute for your income.

Cashplan health insurance is the maximum you can do by combining it with cashless health insurance so that when you are required to obtain any hospital treatment you will be earning (the replacement value of the economy) should when you are healthy and working.

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When It Is Appropriate To Buy Health Insurance?

How important is "health insurance" for you and your family? If your answer is important, whether you already have it? if it is, then congratulations to you, if you do not have, why? What have yet to find the best health insurance for you and your family? or is there another reason?

Whatever your reason, it is your right and also the risk that you have to bear their own countries, why not?

A few days ago I received a call from a friend who I had not met the last time I met him disebuah show our friend's wedding about a year ago, there we only had time to exchange business cards, and he expressed his intention to take "insurance health "and want to know more about the program" health insurance "of our company.

I had contacted him several times to make appointments as well as providing explanations on the program "health insurance" that we have, but because of his incredible busy as an entrepreneur who is often out of town and so forth, we finally have not met again since then it.

Until a few days ago he called me to ask the terms and conditions how premium "health insurance" for his parents who was 57 years old, and he relates that a few days ago one of his parents a mild stroke and to this day still being treated in hospital. and he asked whether such a case, parents are still acceptable to be participants? he is also willing to pay more, as long as acceptable.

In principle I would help him to apply for health insurance at the time his parents had returned from the hospital, but I say that I did not dare to promise a lot and he was quite understanding and willing to accept explanations from me.

Father / Mother Dear I hope the true story of the above can be a material evaluation and introspection for you, remember "You can not always insured", so according to you, when it is appropriate to buy "health insurance?"

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Is There An Ideal Health Insurance?

Everyone without exception should have health insurance that would guarantee health care costs or care when someone falls ill or have an accident. Moreover, although we have been keeping good health, the disease can come unexpectedly. On the other hand, health care costs continue to rise.

Nearly 70 percent of Indonesia to finance their own doctor or hospital costs. There are various reasons that make the community is still reluctant to take the insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.

According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Indonesian Institute of Financial Planning.

Owned health insurance is health insurance should be pure, not mixed with the investment. It is intended that manfaaat obtained higher. For example the replacement cost of hospitalization or surgery is greater.

Tri Djoko added that an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year the insurance company would not it be included again in the program, "he said.

Choosing the right insurance products is not a trivial matter. It takes jelian and thoroughness because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.

To prevent losses due to insurance, there are several things to consider potential borrowers, namely:

- It should be understood that the insurance premium is a cost, not investment. In other words, our money will be lost if during the validity of our policyholders in good health.

- Ask your insurance agent in detail to each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage covers only outpatient services or inpatient care?

- Because of cost, potential insurance buyers should ask a friend or someone who feels more understanding about insurance. Not infrequently an explanation about the disease written in English so that it can lead to a wrong meaning.

- Ask about the claims procedure. The more quickly and easily process a claim, the better kuliatas bureaucratic insurance companies concerned. That is why, consider the track record of the insurance companies will be selected.

- Tell the truth if you already suffer from certain diseases before the inception of the policy.

source: kesehatan.kompas.com

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Best Health Insurance and Good Health Insurance

Many health insurance companies that claim their products are the best health insurance, so confuse lay people. The question is, of all the best insurance products that, where health insurance is good for you?

I held up a thumb for you, who have realized the importance of having protection. Not many people have insurance awareness let alone think of to protect the health of family members (family insurance).

I give my special appreciation for people like you who choose the path to find out / information before determining pilihannnya.

People choose to take insurance in general is aware of the importance of health.
If I may ask, Why did you take Insurance?1. Because health care is expensive.
2. Hospital costs are increasingly rising.
3. Health conditions are not always predictable is always good.
4. Do not have protection from the office / place of work, if ill, no one ease the cost burden.
5. High risk my job, working in the field.
6. So if treated in hospitals could be free.

If the reasons above into your base to have protection, I think almost all health insurance products in Indonesia has been able to cover it all.

But you need to remember the disease / health is a serious problem that must be prepared as well as possible, so before you have to consider that health insurance you need is not to protect you / family from health risks today or tomorrow, but a few years or perhaps decades ahead.

Several things into consideration include:
- How much benefit for hospitalization.
- Outpatient
- Ambulatory surgery, etc..

Many people assume that by having the protection of the above states that the insurance they will be suitable for him.

Fact: There are many benefits of outpatient / inpatient used by customers

Some people take this protection semata2 just want to double claim of protection has been provided by the office where she worked.

They think inpatient / path is the ultimate protection in choosing insurance, you try to remember when your last hospitalization at the Hospital?
3 years ... 4 years ... even when I was old school ... that means the benefit is very rarely used.

Be aware that the benefits of inpatient / path associated with the amount of premiums to be paid. When you decide to take this benefit needs to be seen how many days a year you will be protected?

There are three things more important than just the benefits of inpatient / road course, you need to look at and be a consideration in choosing a good health insurance, three important things are in general not all life insurance companies / health mengcovernya brave, important things that is ...

1. CRITICAL DISEASE COVER
Most feared disease of all people today are CRITICAL ILLNESS, be it heart disease, cancer, tumors, stroke, etc.. The disease each year is increasing the number of sufferers, due to unhealthy lifestyle, stress, even as obesity.

And according to a survey conducted by WHO, 90% of people die earlier due to hit the critically ill. This means that only about 10% of people who die in natural conditions. Hmm .. very little not ...

For the critical illness is also cost countless expensive, if it's been hundreds of millions can be imagined ten, twenty and even thirty years later, it could be billions right? This is what we have to look at and pay attention!

Check and ask your insurance agent that offers:
1. Does having insurance protection for the critically ill?
2. How many different types of critical illness dicovernya?
3. If there is, check how much protection is reserved for critically ill and you try to think and count again been given enough protection costs compared with the requirement that costs as incurred?

This is important, because not all health insurance provides protection for the critically ill, some exist but have very little cash value, it does not help you!
Do not forget to check and ask, usually good health insurance that will provide savings benefits for free when customers affected by critical illness.

The question:
"With the lifestyle that we run it now, within the period 20-30 ahead, is there a possibility we are exposed to one of the critical illness?"

2. TOTAL PERMANENT DISABILITY COVER
In addition to critically ill is still something else that is also high risk levels such as sickness or accident disability, total permanent disability and even allowing one could no longer work.

If this happens to customers,
Ask as much detail as possible whether conducted by the insurance company:
1.Mengeluarkan protection costs, and close the policyholder (a breakup), or
2.Mengeluarkan protection and benefit cost savings to its customers free of charge until a certain age, and other ongoing protection.

My advice, choose the insurance that gives the option number 2, because we all know when someone is having total permanent disability, automatically he could not do the job up as before, for some companies in Indonesia is a state of such employee will be given consideration for policy "early retirement" on the employee. You will understand what I mean.
Ohya do not forget to look for insurance that provides protection with a total permanent disability pay claims directly rather than "repaid".

3. DURATION OF PROTECTION
If you decide to have a current protection, then you also have to calculate up to what age you will be protected, because of course the difference in 5 years will be very important for you instead? Health insurance claims its products are good to have the longest period of protection, especially for critical illness benefits (to customers aged 70 years).

Also look for health insurance are not reducing the benefits / benefits in the event of a claim from one of the critical illness or total permanent disability the claim will be accepted if the beneficiary if the insured dies.
A good health insurance always puts the customer in a position to "win"
This means that any cost benefits (critical illness / total permanent disability) issued to its customers does not interfere with the cost of benefits (life) more, because many insurers are quick to have cost a great protection, it reduces the cost of the benefit is mutual.

Ask more details about the company's financial strength not only from the information agent / ads served but the real accomplishment achieved by the company.

Do you already have health insurance benefits above? If not, you should question the financial consultant (agent) your health insurance.

For those of you who do not have protection, we are here to help you to see what benefits you would get with the insured.

Many of the facts occurred, many people off guard to choose not to have insurance, the wrong choice of health insurance, and not considering other factors.
So as I mentioned earlier that if you are not keen in considering the benefits of protection, it is feared will actually cause serious problems in financial planning, not even the few who finally "broke" because the claim is given insufficient for health costs, because it's focus to see the benefits you will receive later.

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How To Choose Health Insurance

What kind of health insurance that we need to look at and we choose? Here are some tips that may help us in choosing health insurance

1. Principle carefully before buying. As a potential participant health insurance, we are entitled to get the right information, clear and honest about the terms / conditions stated in the insurance agreement. We should first read the instructions, information, and procedures are carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that it can make the right decisions. Given the usual clause or clauses written in small letters on the back of the agreement and use a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of the difference between our interpretation as a participant, or insured by the company insurer or the insurer.
2. Choose the insurance companies are reliable and have good products and services. Try to compare with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premiums.
3. If the company where we work do not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company. This will benefit because the premium paid would be lower if the collective, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group.

If we reflect for a moment then come sickness or accident is an event that often occur, although the timing is not predictable. Therefore, it needed a plan to prevent and resolve the issue carefully and wisely. The principle of "willing umbrella before it rains" can be done, one way to have health insurance. So hopefully useful!

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The Importance of Having Health Insurance

"I was healthy and never sick over this. Why do I have to take health insurance? "

Many people think so and we may be one of them. However, ever occurred to us, what will happen if the accident and illness comes on suddenly and we had to be hospitalized? We may have to pay costly medical expenses up to savings drained away, and this of course is not a situation we expect to happen. Instead, would not it be helpful if we already have health insurance that can help us in paying medical expenses? More so for us now that the cost of healthcare is increasingly costly. Paying doctors, buy drugs, hospitalizations are some examples of costs that must be paid when you or a family member stricken with the disease.

Fortunately for working in a company or agency that already has health insurance program, so at least, partly due to impaired health risks can be assisted by the health insurance program. What if companies do not provide such facilities? Or you an entrepreneur? Let's not hesitate and start planning to buy health insurance. With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty, so easier for us to manage expenses and reduce costs is not unexpected.

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, then the number of participants who took part individually or bigger so the risk of a claim can be evenly by all the individual within the group. The greater the number of groups or members within a single institution or company, it will lower the premium to be paid.

Benefit
Health insurance is a type of insurance that helps the availability of health insurance funds if participants develop health problems or illnesses. All the needs of seeing a doctor, stay (care) in hospitals, drug costs in the hospital until the operation, all that can be covered by insurance companies. Generally this type of treatment or programs that are available are the benefits of ambulatory (outpatient), benefit of inpatient care (inpatient), labor benefits and dental benefits.

In general, the benefits of ambulatory (outpatient) are covered by insurance companies is as consulting fees or general practitioner and specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In the outpatient benefits have maximum limits use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like the hospital costs, lab fees, delivery fees, the cost of emergency service (emergency). The benefits of preventive dental care, basic dental care, dental care complex, and the installation of dentures.

Third-care benefits, namely outpatient, maternity and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.

The amount of premium to be paid and the amount of value in health insurance is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary by the details of benefits also varies. Typically, insurance companies limit the amount of the total cost that can be used per year.

The system claims / insurance
The system used by health insurance companies there are 2 ie the reimbursement system (reimbursement) or the system provider. With the reimbursement system, insurance participants have to spend money first to pay for treatment then can we claim or request a replacement to the insurer in which we become participants of insurance. With this system we are then free to choose a hospital anywhere, but certainly the maximum reimbursement has been determined in advance. That need to be our primary concern in making the claim is the completeness of letters of administration that became the main requirement for the reimbursement of expenses that we can be paid out by insurance companies. How quickly depends on the disbursement of claims services provided by insurance companies, but generally ranges from 7 working days.

For those who embrace the system provider, we do not need to spend money first. We only provided with health insurance membership card in order to obtain needed health care in a hospital or health clinic that we selected earlier based on a list of hospitals that work with the insurance company.

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