November 2013
Information, Tips, Tricks About Insurance
By: Ully D. Putri
Since stopped working as a lecturer for the continuing study of S3, I do not have a steady job. I was lucky not to have to worry about income as a part-time job offers from different parties. It concerns me is the health insurance and retirement. Of course, I could have alone most of my salary aside for savings and retirement as collateral. 

I can also confirm that, for example, 5% of my income each month recorded for the purpose of maintaining health. But, according to my calculations, this amount will not be sufficient if in a year I need to see a specialist, dental, hospital inpatient, or to catch a non-generic drugs are expensive. I need health insurance.

This is the challenge is, to my knowledge, have premiums for private health insurance plans are quite expensive, especially for me who suffers from a chronic illness that would be classified as a preexisting condition. I found the answer to my confusion when you're sitting in a meeting with a representative of the Social Security Office of the National AIDS Commission in July. At the meeting, I am a wide variety of information that, in my opinion, are very informative and I want to share with as many people with pre-existing conditions who have not had health insurance for a variety of reasons.

The first thing that came to my instructive is the social security program for people who do not have a contract with an institution or business entity. This new information that I did not know before. I think that those who work on the participants of the Social Security of the company are able to enjoy its benefits. It turns out I was wrong. I can register as individuals through the Social Security program for the conduct of the Work outside employment or program LHK short. 

Secondly, I think that Social Security provides retirement benefits, but I was not thinking right. Social Security has a variety of programs that I did not know before, including accident insurance (JKK), Death Benefits (JK) and health insurance (JPK), which is the most important point n ' is not familiar with the term pre-existing condition. In other words, tuberculosis, asthma, hepatitis, diabetes, cancer, HIV or other diseases can not be rejected on the grounds that they had the disease before it becomes a JPK participants. Even more interesting, JPK provide benefits to patients with severe disease who are undergoing hemodialysis or dialysis, cardiac surgery, organ transplantation, as well as the budgets of special funds for people with cancer and HIV.

Because spirits hear the good news, after the meeting, I went straight to the branch Setiabudi, South Jakarta, to register for social security. But my passion subsided instantly when the staff who received my application, saying: "Sorry, but we do not serve individual requests. You must be registered as an employee of an institution, and the company you work for is a participant in social security. "Light of my irritated to hear his explanation. 

There is only one hour, I attended a presentation of corporate employees social security that had been so convincing. I immediately replied, "But, sir ..." and gave a long explanation of the information that I received when I sat in the meeting. Fortunately, I recorded everything that I can a presentation that I heard again smoothly. 

Hear my explanation, social security employee excuses for not knowing anything about the information. He then offered to let me meet her boss to discuss my application. I was immediately welcomed the offer. After waiting some time, I was greeted by the head of marketing in the informal sector, Mr. Iman Aminnullah. Knowing my intentions, he began to explain, "Well, yes Ma'am, you can register to participate LHK, but we do not accept participants. 

You must belong to a group and register with other group members. Suppose you are a motorcycle then you need to collect other motorcycle taxi drivers to form a group of motorcycle taxi drivers. Then you register your group as a member "LHK.

Half-amused, because it is considered a motorcycle and half annoyed because the information different from what I heard at the meeting conveyed, I could resume my previous explanation. I was lucky Mr. Faith was very cooperative. Having already apologized for not knowing something about the different programs that I mentioned, he then asked for time to talk with colleagues. Long story short, after whispering long enough, I can sign up as members expressed LHK program. 

Mr. Faith said I was the first individual participants in the area of ​​social security Setiabudi office. Given the current system was not able to accommodate individual participants, Mr. Iman'm given a few days to find a way to get my name can not be put into the social security system. It was also asked to submit the required documents, such as the photocopier family card, identity card, passport, certificate of employment. 

In less than a week, I was contacted by Mr. Iman and asked to enter my first deposit at the Bank DKI. A few days later, I was again called to the office of social security to take the social security card and my card JPK.

I am pleased that my efforts were strong enough fruitful results. Now I can feel calmer because they have insurance and pension insurance cards.

Keyword: risk, health, insurance, health insurance, risk health insurance, not risk health insurance.
Information, Tips, Tricks About Insurance
Insurance Tips
Some of our communities are still those who feel antipathy when you hear the word insurance, especially when offered to purchase raw insurance products described must have been declining slowly.

Negative stigma regarding this insurance arises because of the bad experience of insurance services ever experienced by the individual or others, for example, difficult process benefits insurance claim, the length of disbursement or can not ditarikanya part of the funds that have been paid.

Because the area of ​​services, all insurance companies must strive to provide the best service to its customers.

Customer complaints about the service of an insurance company is usually caused because the customer did not understand and do not understand the insurance they purchase, both types of products and supplies.
Means assured grant financial losses should be borne by the family or myself to the insurance company in case of risk such as accident, illness or total permanent disability or death.

Why do we need insurance?
Because we can not expect or predict when we will experience these risks.
So when we do not have the savings sudden accidents which resulted in us having to undergo hospital treatment, then having financial loss insurance should we support will be borne by the insurance company.

There are some things we need to consider before deciding to choose a product from the insurance company, so as not to regret in the future.
1. Adjust the insurance products we choose not need to need or because of discomfort due to the agent or to be tempted by offers of reward the agent.
Make sure the insurance took care of us is a professional agent who not only pursue sales goals agent, but are willing and able to help and take care of our future insurance needs.

2. Discover the winners of insurance companies that we buy their products, both in terms of service and financial management capacity claims by digging information from relatives or friends who are clients.

3. Given the insurance is not the same as saving money, then we should know exactly how long the period of premium payment, then we can withdraw the funds (if the products we make no investment or the cash value) and how the disbursement of funds.
Because insurance, including long-term needs should be the size of the entire amount of premium insurance policies does not exceed 20% of income per year that the financial situation of the family is not been disturbed.

4. To avoid denial of claim or the unilateral cancellation by the insurance company policy, as it has found evidence of a lie to both the information of the Deposit Insurance and explain complete, honest and clear about the state of health, work, hobbies and habits and medical history of the family at the time of deposit insurance.
And to ensure that we deliver are listed on the letter requesting insurance should never sign a blank application state.

5. Ask in detail the benefits and conditions of the insurance products we select.
Examples of health insurance products, no waiting period and no provision for pre-existing conditions (preexisting condition) that is often the reason for rejection of the application by the insurance company and the client does not know the provisions of Insurance earlier filing.

6. Make sure that the premiums paid regularly and not in arrears.
When premiums become delinquent, the status of the policy lapsed (inactive) and insurance benefits can not be paid.
Reactivation can be done by way of recovery, but the recovery provisions of each insurance company is different and usually after the restart, the provisions of the validity period, the test period (contestable period) and the period Waiting applies stimulus policy date

7. Please check and read the policy carefully with an attachment that was received because the review period provided for by the insurance company to learn the policy and its annexes, if it is not in accordance with the policy issued by the agent may be canceled and the premium will be refunded.
Premium will not be refunded if the cancellation policy after work during the review period.

8. Insurance all young and healthy, because premiums or the cost of insurance for young age was cheaper and easier filing.

Choose a product that has the complete package, both life insurance, accident and health, but with a short period of time to pay his life insurance.

Keyword: benefit insurance, insurance