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Information, Tips, Tricks About Insurance
How to claim Health Insurance not being denied? There are 4 things that you as an insurance participant need to take note of.
4 Ways Health Insurance Claims Not Rejected

Who is not furious when health insurance claims are denied.

I've been there. "The pain is here".

"Already pay premiums - expensive, eh when I want to claim the insurance can not replace for various reasons", so the complaints of policyholders who claim failed.

That's a reasonable complaint. Because when taking insurance, no one who wants to claim rejected.

How to prevent your claim from being denied?

I am evaluating claims of friends and blog readers who have been rejected.

I find that many claims are rejected because the submissions and documents do not comply with the requirements set forth in the policy.

Terms in the Policy is the legal basis that must be met by policyholders and insurance companies.

The problem is, many insurance participants do not read the policy well.

Here are the key points that you need to look into in the policy so that health insurance claims are accepted.

# 1 Waiting period for Health Insurance Claims

Health insurance requires a grace period.

During the waiting period, the insured is not allowed to make a claim. Usually the waiting period is 30 days or 60 days after the policy is approved.

For example, the policy is approved May 1, 2015. With a 30-day waiting period, your claim can only be accepted after 30 days from May 1, starting on May 31, 2015.

So if you or a family member is hospitalized in the grace period, for example May 10, 2015 (using the example above), the claim will not be accepted by the insurance.

Make sure you understand how long the health insurance waiting period.

Therefore, the sooner you apply for better health insurance. Because when the policy is approved, you can not immediately claim before the waiting period is passed.

# 2 Not Diseases That Are Not Replaced in Year One

Not all diseases have a 30 day or 60 day waiting period. There are diseases with a longer waiting period of 12 months.

I took the example of a Prudential health insurance that lists 19 specific diseases that the insured person can claim after 12 months after the policy is approved.

If claims for these diseases before 1 year after the policy is approved, your claim will be rejected.

# 3 Not Pre - Existing Condition

Pre-existing condition is a health insurance provision that mentions participants suffering from a disease or a pre-existing condition.

Can be seen in the picture above about the condition of Pre-Existing Condition that I take from Prudential Health Insurance brochure.

The insurer will not pay anything in case the insured has pre-existing condition.

Thus, all illnesses that the insured suffered before the approved health insurance policy will not be covered by the insurance.

# 4 Fulfilling Inpatient Requirements

Submissions must be eligible for hospitalization. Condition at least meet the requirements:

First, the definition of hospitals and clinics according to the established insurance.

Make sure you read and fill it up when hospitalized. Because if the hospital or clinic where you stay is not in compliance, the claim will be rejected.

Second, what is meant by hospitalization.

In each insurance is different - different about how many days the insured must go inpatient who can be filed claims.

There is an insurance that requires a minimum of 2 days of new hospitalization can be claimed. However, there are other insurance that requires 1 day hospitalization can already claim.

This provision should be ensured in the policy.


The rejected claim was painful. I have experienced it myself.

How to claim not to be rejected? You must understand the terms of the insurance policy because that is the basis for the payment of claims.

There are 4 things you should make sure that the insured's health insurance claim costs are paid by the insurer. I hope this helps !
Information, Tips, Tricks About Insurance
How to Easily Lower Life Insurance Premium - Let's assume you have been informed how life insurance can be a safety net on future uncertainty.
3 Easy Ways to Lower Life Insurance Premiums

Assume you are now ready to buy life insurance, but still worried about having to pay a premium too high.

No need to worry. There are several ways you can lower your life insurance premiums legally.

Here are three simple steps you can take:

1. Stop Smoking
You have often heard about this. But that's the reality, quitting smoking will be good for your physical health and your wallet.

Long-term health complications from tobacco use make insurance companies consider a smoker at high risk.

Smokers are at increased risk due to the higher risk of death experienced by smokers due to the various health problems it triggers.

In addition to saving premiums, there is a large amount of money that can be set aside for other purposes that are more useful when someone decides to quit smoking.
That's why, make a wise decision to quit smoking right now.

2. Keeping Ideal Stay Weight
Having excess weight, especially that accumulates around the abdomen, puts a person at higher risk of heart disease.

For this reason, insurance companies charge higher life insurance premiums for people who are overweight.

If you have trouble finding the motivation to lose extra weight, saving life insurance premiums may be an additional motivation.

3. Consider Paying Premium Annually
While it may be burdensome for some people, paying an annual premium (instead of monthly) can save your life insurance premium.

Some insurance companies will give a discount if the premium is paid at once for a year.

To be sure, ask the insurance agent whether this can be done and the amount of savings that can be done.
Information, Tips, Tricks About Insurance
How to claim COB health insurance benefits - Coordination of Benefits (COB) is a term in health insurance. If a customer has two or more health insurance at a different insurance company, he or she can utilize both through the COB scheme.

How To Claim Coordinate Health Insurance Benefits
Type of health insurance in question is a product that uses the principle of indemnity (pay claims according to losses experienced by customers with a maximum of the product limit). This product is usually equipped with cashless card facility, not insurance type of daily reimbursement (cash plan) and not also critical illness insurance.

COB Terms
- When hospitalized, customers use one health insurance, called the first insurer. If the product has a cashless card, the customer simply shows the card to the hospital admin officer. The Customer can not use two cards at the same time.
- If the first insurer has paid the entire cost of the hospital bill, then the customer can not make a claim to the other health insurance (called the second insurer). This does not apply to COB here.
- But if the hospital bill exceeds the limit that can be borne by the first insurer, then the customer can claim the difference in cost or excess claims to the second insurer by way of reimbursement. This is where a COB scheme or benefit co-ordinate applies.
- The second insurer can only pay according to the limit of benefits he has. If the second insurer is unable to pay all the difference, and the customer has a third health insurance, then the difference can be claimed to the third insurer.

With the principle of indemnity, no matter how much health insurance products the customer has, he can only get the maximum reimbursement for the cost of the hospital, with the maximum limit on the limit of the health insurance product he takes. In other words, customers can not profit from health insurance. That is the purpose of making COB scheme or benefit coordination.

Another case with the daily insurance product or cash plan, which provides compensation for the benefits taken multiplied by the number of days treated. For example: compensation per day 1 million, treated 5 days, then get money 5 million. This type of product can double claim and the claim was allowed to use a legalized photocopying receipt. The basic function of this product is not to pay for hospital fees, but to replace income that may be lost during non-employment and other expenses beyond medical costs not covered by health insurance. Benefit from this insurance is transferred directly to the customer, not to the hospital.

And another with critical illness insurance, which provides the sum insured if the customer suffers one type of critical illness that is borne. The amount of money is given for the sum insured in the insurance policy, for example 500 million or 1 billion, and given directly to the customer. This product can double claim with health insurance as well as with critical illness insurance from other companies. That is, although health insurance has covered the full cost of critical illness, this product will still provide the sum assured according to the value of the agreement.

How to Make a COB Claim
- Fill out a health insurance claim form
-Annecessary attachment:
- Medical records filled out and signed by the doctor and stamped by the hospital
-The original Co-ordination Coat of the first insurer covered with details of fees paid and not paid. This document includes copies of all claims documents approved by the first insurer, including claims approval certificates, receipts, cost details, prescription copies, and diagnostic test results.
- Original charge receipt (claim excess) paid by the customer along with the cost breakdown of claim excess.
-All documents are sent to the headquarters of the insurance company or deposited through the agent.

So, hopefully useful
Information, Tips, Tricks About Insurance
How to protect your investment with life insurance - You who have investments in stocks of course have experienced tension when the index decreased. Losses on the portfolio seem to be looming in front of the eye.
4 Ways to Protect Stock Investments with Life Insurance

The ups and downs of stock prices on the stock are actually common. The problem becomes more severe when the stock is experiencing a recession or "bearish" in the long run.

In times of recession, many people lose large portions of their portfolios and, unfortunately, some do not live long enough to cover all the losses that have occurred.

However, fortunately not all is doom and gloom, there is light at the end of the tunnel.

Life insurance can protect your portfolio in good times or bad, so you can stay relaxed when viewing news on the stock market.

Here's how life insurance protects your stock portfolio:

1) In an emergency portfolio, use life insurance
Some of us may choose stock as an investment instrument. Depending on how much money is invested and how the portfolio diversification technique, you may have a large amount of money connected to the capital market.

So what happens if the market is collapsing? The cash value of a life insurance policy can provide additional security in case of a stock market erodes your portfolio.

The cash value and protection level of the policy can generally be adjusted as needed.

2) Financing sudden expenses
Let's assume your portfolio is still in safe condition. But keep in mind, assets in the form of stocks are usually not too liquid because the selling price may not be right.

What happens if you are suddenly in great demand?

Liquidating assets may take time, time that you may not have in an emergency.

A permanent life insurance policy allows you to withdraw some of the funds available or take out a loan against a policy fund, so you do not have to sell stocks prematurely.

3) Protect assets for heirs
The stock portfolio is not just yours. You may have planned to someday pass it on.

That's because, when stock values ​​suddenly shrink due to a recession, this fact can be very painful.

If you want to pass assets to heirs, you can do so with an insurance policy. No matter how the market fluctuates, your inheritance will persist.

4) Reserve for investment penchant
Some people not only have a portfolio in the stock market, they may also invest elsewhere like in the forex market.

The market can be unforgiving, especially for short-term investors. That's because, people with this type may want to hedge using life insurance.

You may not have control over market volatility; but you can give your portfolio additional protection using life insurance.
Information, Tips, Tricks About Insurance
How insurance works -Insurance provides individuals and companies protection against large financial losses due to damage or loss of property.
How Can Insurance Work This is The Explanation

In exchange for premium payments made, individuals and companies are guaranteed compensation or reimbursement in the terms of the insurance policy.

Insurance has become part of the life of modern society. Life insurance and car insurance are the two most common forms of insurance. Health insurance and compensation for workers are also other types of general insurance.

While insurance has become part of the lives of most people, not all understand how it works.

How to Work Insurance
There are always risks in life such as fire, theft or earthquakes.

Many people expect to avoid financial losses by getting a replacement for lost or damaged private property.

Insurance is a way to protect personal finances from undue burdens. Insurance is a form of risk management where risk is transferred to an insurance company in exchange for premium payments.

When purchasing insurance, a person gets an insurance policy that is a legally binding contract. This policy describes in detail all rights, responsibilities and obligations of the insured (the customer) and the insurance company.

When a person suffers a loss covered by the policy, he or she can make a claim. Claim is a complete report of what is missing or damaged and its value.

The amount of money to be replaced (sum insured) is based on the amounts covered in the policy.

When an individual or company purchases an insurance policy, all the money from the premium is then combined into what is called an insurance pool.

Insurance companies use statistics to predict how many percent of insured people or businesses will actually suffer losses and make claims.

Statistics also help determine the amount of premiums. Other factors such as credit score and prior claims are also considered.

Since most of the insured do not suffer a loss or only a small loss, the insurer gets the benefit of allowing them to continue operating and paying big claims occasionally.

Type of Insurance
In theory, there will be all types of insurance policies available for every situation. Anything that has a potential risk of loss or damage can be insured.

A policy may include some risks such as a home insurance policy that covers losses such as fires, theft and earthquakes.

Some other types of insurance include life insurance, health insurance, and travel insurance.

Property insurance protects against the loss of ships, aircraft, and agricultural crops. While credit insurance provides protection to pay off loans when the borrower dies, becomes disabled or lost job.

When you are insured, you must assess your situation and determine what works best for you, your family and your business
Information, Tips, Tricks About Insurance
Death benefit life insurance - Have you ever learned about life insurance claims? Maybe you've often heard or have made health claims contained in life insurance, when they are hospitalized in hospital or go to see a doctor. But what about life insurance claims due to death? Maybe not many people have done it. How to claim life insurance? Let us refer to the following section.

Life insurance
As you probably already know, life insurance is a protection against financial loss caused by the insured risk of death or total permanent disability. Life insurance claims caused by the risk of death or total permanent disability is usually done by members of his family, not by the insured, because the insured is not able to take care of the claim.
How To Claim Benefit Life Insurance If Death

Therefore, it is actually quite important if a family member has insurance, then all members of the nuclear family know the benefits of the insurance and know how to claim the insurance coverage in case of unwanted risk. Below is a way to claim life insurance coverage if the insured dies.

How To Claim Life Insurance If The Insured Dies
An insurance claim is an obligation that the insurance company must pay to the insured or the beneficiary of an insurance. Life insurance claims are one of the benefits of insurance ownership.

Actually, life insurance claims can be handled easily because there are many insurance companies that provide ease of life insurance claim process. However, due to lack of understanding of how to claim life insurance, many people find it difficult to take care of life insurance claims.

Here are some procedures how to claim life insurance, if the insured dies, which you can make general guidelines when managing life insurance claims, among others:
-You as a claimant of life insurance claim must inform the insurance company that the insured person has died. Prepare copies of death certificates issued by funeral homes or state offices. The death certificate contains data on when, where, and the cause of death of the insured. Usually insurance companies will ask things related to the insured, such as the insurance policy number, insured insurance policy status, and other information related to the death of the insured.

- After that, the insurance company will submit life insurance claim form due to the risk of death. Complete the life insurance claim form.

- After you fill out the complete life insurance claim form, include the supporting files completely, including:

- Polis and Endorsement (Original).

- Photocopy of all laboratory and radiology examination results.

- Photocopy of identity card or identity of beneficiaries.

- Certificate of death from Doctor / Hospital, which contains the cause of death of the insured.

- Certificate of Death from local government.

- The original police statement (BAP) if the insured dies by accident.

Why Young Coupons Must Have Life Insurance Is Premium Rp500 Thousand Enough
If you have completed the above documents, the insurance company will immediately analyze and process life insurance claims. The process of life insurance claims analysis in the form of verification of the status of the insurance policy is still active, then the data related to the insured, the information about the death of the insured, and verification of the evidence of the death of the insured is true or not. And also the terms and exemption of insurance claims filing related to the cause of death of the insured.

If the life insurance claim is considered valid and true then the company will perform the calculation of obligations to be paid insurance companies to beneficiaries who have been appointed by the previous insured. - Death benefit life insurance

The final procedure of filing a life insurance claim is a life insurance claim payment. We recommend that you inform the insurance company about your bank account information first. The process of life insurance claims sometimes takes a long time because insurance companies are very careful and careful when analyzing life insurance claims, especially if insurance claims reach more than 1 billion rupiah.

Some Reasons That Cause Denied Claims Denied
There are several reasons or exceptions that may cause death claims to be rejected, including:
- Suicide, suicide attempts or self-injury committed by the Insured Person, whether committed in a conscious or unconscious state, within a period of several years from the date of entry into force of the insurance policy. But after a few years in the policy or contract agreement, the insurance company is obliged to pay claims, even for reasons of suicide though.

- In some insurance companies, in accordance with the terms of the policy, the company reserves the right to refuse or cancel the claim if the customer has proven to have misinformed when filing the life insurance application form. There is a discrepancy between the data provided by the customer and the facts that exist, or in other words the customer is lying about the information or data given when filing.

- The insured dies of death by a court of law, or dies for intentionally committing or participating in a crime or a criminal trial, either directly or indirectly.

- The insured dies as a result of a crime or attempted crime committed by an interested party over the insurance benefit, usually the beneficiary or beneficiary owner.

Understand the Requirements How To Claim Life Insurance In The Policy Before Buying
From all the above information, there is one important thing that you should know as an insurance customer, that you must know how the requirements of the claims contained in the book of policy or contract agreement. Because the insurance company will refer to the terms of the contract at the time to pay the claim, including if the company refuses to pay claims. Death benefit life insurance

Therefore, you should read and understand, at least some of the important things contained in the policy book before buying the insurance.
Information, Tips, Tricks About Insurance
Car Insurance For Police Officers – Do You Have The Right Cover

As police officers you will all be aware that not only do drivers need car insurance, they need the correct Class of Use cover. Insurance is something we all like to pay as little as possible for, and insurers are always happy to reduce the price if you reduce the level of cover or take higher excesses. Many also offer a discount if a car isn’t used for any business purposes.

This has led to more and more members of the public buying Social Domestic and Pleasure, including commuting (S, D, P&C) Class of Use. We at Roland Smith Insurance are also seeing more and more police officers doing the same. We are concerned that this could cause problems for police officers around the country who could find themselves uninsured if they only have S, D, P&C cover.

Under the S, D, P&C clause the commuting is normally restricted to and from your permanent place of work. The examples below show why many police officers will find S, D, P&C to be inadequate for their circumstances:
• As police officers, whilst you may be stationed somewhere, it is not always a permanent place of work as you have to be able to respond quickly and work elsewhere for operational reasons. This is something that is unique to the police service and therefore not always fully appreciated by insurance companies
• You may also have to travel to court, to headquarters or to a training establishment – all on official police business
• It is possible that travelling to work could be on official police business. Think of a case where you may need, for operational reasons to return home during your shift and then travel back to work
• If you are a Police Federation Rep travelling to meetings that you claim mileage for.

In all of the above cases if your cover is on an S, D, P&C basis you may be uninsured.

We know of officers who have got into problems because of this and all to save a few pounds on their insurance premium. Money may be tight but it could be even tighter if you have to pay for the repairs to your own car, pay a fine for driving uninsured, perhaps have to pay a third party for injury or damage you cause and also suffer any disciplinary action that may be taken.

When you are looking to buy car insurance, you need to make sure you buy the cover you need, which would normally be Class 1 including use on official police business. It’s right to look for the cheapest premium but not at the cost of the right level of cover.

There are hundreds of places to choose from when you buy car insurance and it is a very competitive marketplace, but as part of your shopping process give Roland Smith Limited a try. We at Roland Smith Insurance have been arranging insurance products to the police service for over 45 years. We currently arrange car insurance for over 37,000 serving and retired officers and home insurance for over 23,000. This makes us one of the UK’s leading insurance arrangers for the police service. We fully understand the nature of your job and how important it is to select the right Class of Use.

You can call us on 0151 242 7640 or visit

Roland Smith Insurance is a trading name of Roland Smith Limited, registered address: 1st Floor, India Buildings, Brunswick Street, Liverpool L2 0XH. Registered in England & Wales No. 01073408.Roland Smith Limited is authorised and regulated by the Financial Services Authority and is a wholly owned subsidiary of Police Mutual Assurance Society Limited. Calls are recorded and may be monitored.
Information, Tips, Tricks About Insurance
Can I Get Car Insurance With Convictions On My Driving Record

As you already know, in order to drive you are required to carry auto insurance on your vehicle; but you may be asking if you can get car insurance with convictions on your record. The answer to that is based on many factors, including what type of convictions and how many you have.

Enter your zip code to compare car insurance rates now!

When you cause an accident, you are under a great deal of stress. What’s worse, you will also face getting a ticket and eventually a conviction on your driving record.

There are all sorts of convictions that range from being less serious, such as running a stop sign, to very serious, such as driving under the influence of alcohol (DUI). If you have numerous convictions, then you could face losing your insurance, which in turn means that you would be unable to drive your vehicle.

Getting Car Insurance with Convictions: What happens if I have a DUI?

Driving while under the influence of alcohol not only puts you at risk, but it puts every other person on the road with you at risk as well. That is why DUI offences carry such heavy fines, suspended licenses and even loss of auto insurance.

According to the Insurance Information Institute, every 45 minutes there is death in the US caused by a drunk driver. This kind of accident costs insurance companies plenty, which is why some insurance companies will see you as a high risk driver and may not insure you at all if you have a DUI conviction.

If your insurance company does choose to keep you after a DUI accident, you can expect your insurance rates to nearly triple. Typically, it takes 3 to 5 years for an insurance company to lower your rates after a DUI conviction.

Car Insurance with Convictions and the SR-22

Interestingly, if you live in Delaware, Kentucky, North Carolina, New York, New Mexico, Oklahoma or Pennsylvania it could take years for your insurance company to learn about your DUI. That is because these states don’t require you to provide proof of insurance via an SR-22.

A SR-22 is a from that you have to provide to your insurance company not only informing them of your DUI, but also informing them that they are now required by law to immediately inform the state if your insurance lapses for any reason.

Even though the states specified above don’t require you to fill out an SR-22, eventually they will discover your DUI conviction. When they do, they are legally able to raise your rates at the time of discovery or even cancel your insurance because you did not inform them of your conviction.

The states that do require you to file an SR-22 usually charge fees for the form. In addition, you will be required to file an SR-22 for at least three years, regardless of how clean you keep your record after the fact.

In many cases you can have a DUI conviction removed from your driving record if you take specific classes assigned by the state. In this case you may not be required to file an SR-22 and, because the conviction doesn’t actually exist any longer, your insurance rates won’t increase.

If you have more than one DUI, however, don’t expect to have the option of taking a class to forgive your conviction. In addition, you could face a suspended license, something your insurance company will receive notice of.

Some insurance companies will still allow you to have liability insurance through their company if you have multiple DUIs but not comprehensive coverage. Your costs will still be very high, but not as high as having every type of coverage on your vehicle.

This could pose a problem if your vehicle is leased or financed as your lender will require you to maintain a certain level of insurance that includes collision and comprehensive coverage. If you can’t purchase insurance due to your DUIs your bank will purchase insurance naming themselves the beneficiary of the policy.
You will still be billed the premiums for this policy; however, the bank receives any payments for your vehicle if you cause an accident. They want to ensure that they receive payment for your vehicle if you become uninsurable.

Incidentally, when the bank purchases a car insurance policy for your vehicle, the premiums are typically at least 2 times more expensive than if you were to buy it on your own.

Getting Car Insurance with Convictions: Do I need to worry about other types of convictions?

While a DUI is very serious, it isn’t the worst conviction that you could get while driving, such as causing an accident that kills someone. If you are convicted of negligence, it could lead to a manslaughter conviction and actual jail time.

However, there are many different types of convictions that are very minor. Any type of conviction will affect your insurance premiums, but minor offenses, especially ones that don’t lead to an insurance claim, will not lead to extreme insurance price hikes. However you should still expect to pay rates that are higher than monthly car insurance average premiums.
The exception to this is if you have a long history of convictions on your driving record. Basically, if you have a lot of spending tickets, then the insurance company is going to increase your risk value. In other words, insuring you is riskier because you are a careless driver and as such you rates will increase.

While there are classes that you can take to reduce the amount of points you accrue on your license, every state has their limit of how many classes you can take. In addition, these classes cost money, sometimes as much as $100.

Getting Car Insurance with Conventions: What do I do if my insurer drops me?

It isn’t the end of the world if your current insurer drops you as a client, there are other options. First you need to visit your states Department of Insurance website and see if there is a state sponsored program you can join. Again, this will be more expensive, but at least you will be able to drive your vehicle.

You will have to face the fact that if your convictions were serious enough for your insurance company to drop you, then you are going to have fewer options than someone with a clean driving record. In addition, you will pay much higher premiums.

You should take the time to get car insurance quotes from several companies as well. During the questioning process, you will be asked how many driving convictions you have, how many accidents, how long ago the accidents occurred and so on. If the insurance company can’t insure you, you will receive a message that you aren’t eligible for their auto insurance.

If you don’t want to face that kind of rejection and you want to save time, then you should use a quote tool that allows you to compare the rates between several companies at once. You won’t be shown companies that won’t provide you with insurance, only those that you qualify for.

When using a quote tool, it is important to be honest about your convictions as this is the only way to get an accurate quote. A quote isn’t a guarantee of services and if you exclude anything, then you will be rejected on the back end of the quote, which is when you contact the insurance company.

Get free car insurance quotes online with just your zip code to start!
Information, Tips, Tricks About Insurance
Nowadays, human needs for health insurance increasingly need to be met. It relates to guarantees that protect your financial sector, in the event of undesirable things, such as accidents, chronic diseases, and natural disasters. Today, the cost of medicine, doctors, and hospitalization are rising. Plus if the disease is classified as serious disease. You can say that you are a healthy person right now. However, you will not know how your health will be in the future. For that, you need to take preventive measures by protecting yourself and your family with health insurance.

Health Insurance Tips and Tricks Look at These 12 Things Before Purchasing

Health Insurance Tips and Tricks - In addition, by using insurance, you can protect your finances as well. Because if you do not have insurance and then there is an accident or disease, it will often make a person's finances become unfamiliar. When it has reached the limit of financial ability, and when it is also you have to make up for medical expenses, often will be a lot of things at stake, for example to mortgage jewelry, vehicles, even homes. Owe can be done if the situation is very urgent.

It would be very lucky if you work in a company that has covered health insurance. What if not? So try to have your own insurance. Choose health insurance from insurance companies. You can also apply for insurance organized by the government, such as BPJS Health . The problem is, there are still many people who do not understand about the important things before buying a health insurance policy. In addition to the things that need to be met, the rights to be earned, it also concerns the choice of health insurance that is eligible to be elected. For that, you need to pay attention to the following important things before you buy health insurance.

1. Insurance Product Name
Every insurance product has a very diverse name. Because when you are looking for health insurance , the provider must have more than one product name. For that, you must be careful and know carefully the name of an insurance product that will you choose.

2. Choosing a Health Insurance Provider
Choose an insurance company with a good track record of excellent products and services. One of the characteristics of a good insurance company is to have many branches. To find out, you can search for information via internet or newspaper media. To be more confident, look for your colleagues or relatives who ever tried insurance on a company. Try searching and compare companies that provide many benefits.

Pay close attention and compare the benefits of the premiums to be paid. Choose products that fit your financial needs and capabilities. Do not force yourself to take out expensive insurance. You can trim your budget by choosing an ordinary room when you have to undergo hospitalization, no need to fancy.

3. Terms of Health Insurance
Learn first what services are offered by the company, and what are the benefits to be gained. Read through chapter by chapter in detail, as they usually often include terms that are poorly understood or biased in meaning. If you still do not understand, you can ask to get a clear answer. Make sure that the insurance policy covers the health costs you want, such as hospital fees, doctors, medications, and operating costs.

4. Guarantee or Coverage it
It is imperative that you as a prospective customer understand exactly this. Because it can affect your decision to buy insurance or not. Every customer has the same thoughts for insurance that bought can meet the needs to the fullest. That is, protect from various disease risks as well as various health problems in the future.

You need to know what risks will be guaranteed insurance. Also note also whether there is a maximum age limit that can be guaranteed insurance products that you will choose. No less important, you also need to know how many other family members can be covered by the insurance.

5. Annual Claim Value
Generally, the insurance agent will provide a table of claim values ​​that will be accepted by you as a potential customer when ill every year. For example, the rates of general practitioners, physicians, prescription drugs, types of diseases, and others. When the maximum claims have been exceeded, the rest of the treatment will be your responsibility.

6. Hospital Network and Reimbursement System
The more hospital choices that work with insurance companies, the better the product. Moreover if the insurance product was accepted in all hospitals. Therefore, you can calmly rely on the insurance product. You as a prospective customer will feel comfortable when treatment. Just by showing insurance card, your problem can be solved. This method is referred to as cashless which means you do not have to pay at the hospital because it is borne by the insurance.

In addition, note whether also apply system reimbursements. This system means you have to pay first and then can claim to the insurance company. For reimbursement, customers are usually required to attach prescriptions and diagnostic forms that have been signed by the doctor.

7. Inpatient and Road Procedures
In health insurance, there are two types of treatment that is borne, namely in-patient (in-patient treatment) and out-patient (out-patient treatment). You need to check whether your insurance agent provides inpatient or outpatient dependents. For Outpatient, you also need to ask how the insurance company will provide reimbursement of medical expenses or laboratory tests as promised in the policy. Of course, if the participant is hospitalized or outpatient in a clinic or hospital.

Good insurance products will make customers comfortable because it does not need to bother taking care of hospital administration. You just simply show the insurance card and no longer need to pay cash to get the desired service because it is borne by the insurance company. Meanwhile, for inpatient, the procedure beratung on premiums paid. The hospital will check the benefits of insurance tailored to the health care class. For example, the nominal given by the insurance company for the cost of the room is as much as Rp250.000, -. The price is equivalent to the class III. Therefore, the hospital will encourage patients to be treated in class III.

However, what if the class III is full? Usually, the insurer will raise the facility to be higher. But this is only temporary until there is a class III inpatient room and the patient will be moved. If you want to go to class because you feel less satisfied with the facilities you get, you can raise the class independently. How, by requesting "Letter of Declaration of Availability of Payment of Difference of Cost" to be filled and signed by patient or patient's family.

8. Risk of Accidents, Permanent Disability, and Death
In health insurance products, there are two types of products, namely pure and additional (riders). Pure health insurance covers only reimbursement of medical expenses or laboratory tests when ill. Insurance coverage can be extended if the prospective customer wants this riders facility as an additional insurance. Riders are reimbursement of all hospital costs due to accidents, critical illness treatments, to the provision of compensation for death.

Additional insurance or riders is to optimize the main insurance program. Nevertheless, you must be wondering to get an extension of that benefit. Do you have to add premiums or are included in the benefits of the product? If you do not really understand the benefits, you should ask for illustrations of any event that insurance is guaranteed. Illustrations such as accidental incidents on the highway due to being hit by a vehicle. Whether the insurance will cover all the treatment or whether there are other requirements that need to be prepared.

9. Premium
These points are related to your financial capacity. How much will be spent on insurance payments. Payments are made monthly, per semester, or per year? However, what matters most is how long does it cost? It is rare for an agent to inform such things. There are enough to pay for 10 years only, but the benefits until the customer dies. There is also a fixed pay until the customer is 80 years old, some even have a lifetime to pay. Make sure this is clear because it involves the amount of money you invest.

10. Medical Check Up
There are insurance that provides medical check up and some are not. If there is a medical check-up, usually the insurer wants to measure the health risks of prospective customers. If a customer is diagnosed with a particular disease, the insurance policy may be rejected. Or if you can, customers get the consequence of paying more premium. Most insurance products do not include the burden of medical check-up fees as covered, or in other words the cost is borne by the customer. This policy is intended not to be misused for those who just want to do a free checkup. So, you need to make sure from the beginning whether there is a medical check-up or not.

11. Knowing How to Cancel an Insurance Policy
Believe it or not, insurance agents usually deliberately hide this subject. In fact, you as a customer have the right to know as well. Please read carefully the insurance policy contained provisions that read, "If you do not agree with the contents of the policy, then within two weeks of the policy rises, the policy can be returned and the money can be returned to the customer."

Health Insurance Tips and Tricks Look at These 12 Things Before Purchasing

That is, prospective customers have two week to cancel the policy it approves. Or in other words, prospective customers are given two weeks to learn the policy. If you do not agree, you can cancel at once your money back. If it has passed from the time set, you agree with the contents of the policy.

12. If the Premium Payment is Loss
This point is more in terms of anticipation only if in the future you fail to pay a premium. The problem is, this concerns the interests of customers who are worried if the default so that by default not get health insurance from insurance. Notice what policy the insurance agent offers. Usually given is the waiting period. That is, if at maturity pay your premiums can not pay off, the policy is not automatically closed or canceled unilaterally from the insurance company.

Thanks read Health Insurance Tips and Tricks: Look at These 12 Things Before Purchasing.
Information, Tips, Tricks About Insurance
How To Choose Link Unit Customized Insurance By Destination

The wisest in choosing the insurance is according to the purpose. If you have both protection and investment objectives, then unit link insurance is the answer. Unit link insurance is a type of insurance product that combines insurance as well as investment. So, you get two benefits at once, namely insurance and investment protection.

For insurance purposes, premiums work like most insurance. Being devoted to investing, there are four types of views of the investment placement. That is:
- Unit of money market link (unit cash fund unit link).
Investments are placed in money market instruments, such as Bank Indonesia Certificates (SBI), time deposits, and money letters with tenure of less than one year. This type of unit link investment is right for you who are conservative investors. Because the investment risk is very low.

- Unit of fixed income link unit (fixed income fund unit link).
Investment in this type of link unit is mostly grown in debt instruments and a small portion of the money market. The portion of investment in bonds is at least 80 percent. This type of unit link investment has advantages over a more stable profit rate. So if you are someone who wants a more stable profit, this type of link unit can be selected.

- Unit of mixed link (managed fund unit link).
Investments are made varied, such as in bonds, stocks, or money markets. This link unit is right for those who are looking for big and long-term investment returns.

- Unit share link (equity fund unit link).
These link units usually place their funds in stock. You can choose this type of investment if you are classified as "brave" because of the high risk. In accordance with the nature of stocks that "high return, high risk" .

To choose the best unit link insurance, you can follow the following tips.
1. See the company.
Find out about the insurance company that issued the unit link product. Is the insurance company healthy and good reputation? If so, you can consider choosing the product.

2. Look at the benefits.
What are the benefits offered from these insurance products.

3. Learn the cost.

In unit-linked insurance is also attached to the costs. Such as administrative costs, investment management costs and insurance costs. These costs are beyond the cost of insurance. You can compare between unit-linked insurance products. So you can know the best unit link insurance product for you.
Information, Tips, Tricks About Insurance
Health insurance tips and tricks  - Many things we do not know, but actually are very important, when choosing the best health insurance for our family. These seven tips on how to choose the right health insurance.

Since articles on choosing health insurance appear, many questions come to my email every day. Ask for advice, exchange opinions, vent and not uncommon criticism. Comment columns also contain fewer expressions of readers - readers who ask and comment.

7 Tips and Tricks on How to Choose a Health Insurance

This is certainly a remarkable thing. Because initially, the writing was made as a sharing of my experience (how easy it is) to find a company with the best health insurance in USA that matches the needs of the family. The response was amazing.

From here, I came to realize that many problems people face when choosing health insurance. This is not a user-friendly product like gadgets, without the need to read the book manual , overnight live can. This is an insurance product that features and provisions are complex.

I want everybody in USA can choose insurance products that benefit according to their needs. Not because of the choice of the agent or the persuasion of a friend, but because it was his choice on the basis of understanding what his needs.

But, for that, they must know how to choose good.

The findings in the field I summarize, reflect back, and discuss with friends in insurance, then the point I pour in the seven tips how to choose the health insurance below.

1. Ask When Healthy
Once I received an email from someone who wanted to insure his mother who was being treated in ICU a hospital on the outskirts of Jakarta. He confessed, "I just realized how important the insurance after my mother was hospitalized".

I replied, "thank you for your awareness. But, my guess is, it's unlikely that insurance companies will accept your mother's health insurance plan. My advice, you better take immediate health insurance ". My email was not answered. Do not know he was disappointed or shocked at the answer.

In the health insurance known as the provision of ' pre-exisiting condition '. Disease conditions that already exist before you become a health insurance customer. These existing illnesses are generally not covered by insurance. Although, under certain circumstances could be insurance companies would bear it.

The point is simple, ask yourself to insurance, when healthy. When it hurt, it is very likely that the insurance refused your application.

Working law in insurance is a law of possibilities. From every policy issued there is the possibility of a healthy customer, there is the possibility of sick customers. Where will the customer, sick or not, nobody knows. Hence, insurance companies can operate and profit.

If the customer received is sick, insurance would be a loss because the cost of the hospital is greater than the policy premium. So insurance companies do not want to accept customers who have suffered illness. They are profit institutions, not social institutions.

So, if you feel the need for health insurance , submit it now. Do not delay. The sooner, the better because the less likely it is to have a disease, the more likely it is approved.

2. Ask Young Ages
Growing age, is the risk of illness or death getting higher? Of course , yes. It's a law of nature.

Insurance companies calculate health insurance premiums based on the law. Despite the healthy conditions, older people pay more expensive premiums than younger ones. Age determines the premium rate.

Therefore, submit insurance as early as possible. First, you save on paying health insurance premiums are cheaper. Second, the risk has been exposed to smaller diseases when young, so the possibility of acceptable insurance is greater.

Unfortunately, I see many friends who are young and have enough income (to pay premiums) are reluctant to take out insurance. The reason, feel healthy and see insurance as a cost. Do not consider the benefits of insurance something tangible , which can be seen and enjoyed ( gadget is tangible ). This is certainly wrong thinking.

3. Do not Cash Plan
A mother once emailed me a health insurance premium offer. At that time, the premium was half of what I had with the provisions of the room 1 million per day, while my insurance room rations 800 rb per day. So the insurance I choose, looks unattractive, the premium is more expensive and the room rate is lower.

Inquired had a search. I know the reason, the 1 million per day room mentioned by the mother was a type of insurance called cash plan . Cash-plan is a type of insurance with benefits based on how long hospitalized. For example treated 10 days, the insurance replace 1 million times 10 days, ie 10 million. Without seeing how much the actual bill is.

Whereas, a good health insurance is a reimbursement based on the bill - the cost of care in the hospital. There are room charges, doctor fees, drug fees, lab fees, operating costs, specialist fees and so on - each of which has its own ceiling. So with this scheme, it is less likely to have overplafond that requires us to spend their own pocket to pay additional costs that are not covered by insurance.

This illustrates how different health insurance benefits are compared to cash plans.

The cash plan looks cheap with lower premiums. But if we count well, comparing the premium versus the benefits, the cash plan becomes expensive.

So cash plan should not be taken? May be taken. But, you must have a health insurance first to replace based on the details of the hospital's cost of care. Cash plan should be an additional protection, for example to replace the lost income (eg entrepreneurs) because they can not work during hospitalization at the hospital.

4. Terms of Hospitalization
Initially, I think that anytime hospitalized I can file a claim to the insurance. In fact not.

There are conditions. The insurer sets out the rules regarding hospitalization, as follows:

 Hospitalization should be done at the hospital. This means that if the hospitalization in the clinic, the insurance will not replace it. Make sure with the insurer, what is a hospital.
 How long hospitalization becomes a requirement. There is a set of 1 day hospitalization can be claimed, but there is a requirement that at least 2 days of hospitalization. There are only in the ER (no need to enter the room first) for a minimum of several hours, it can be claimed for admission into the category of hospitalization. These requirements should be considered when evaluating insurance quotes. Ask the agent about the provision of this hospitalization.

5. Family Insurance
For those who are married, health insurance must be for more than one person. For example, I proposed three family members - parents and children.

The question is, is it necessary to buy some policies for each member, or simply buy one policy for all family members? What is the difference?

Buy one policy is cheaper than buying several policies for one family. I've checked into some insurance and compare the premiums to be paid.

This is because health insurance, especially in unit-linked , is a rider (additional insurance) from the main insurance is life insurance. By purchasing a separate policy, that means all family members have to buy life insurance. While it is possible, not all family members need life insurance (eg only the main breadwinner who needs, child or wife / husband does not need).

Therefore, you are better looking for health insurance that can bear one policy for one family . There is? There is. I have taken it.

6. Double - Claim
With the government's initiative to launch a national health insurance program, almost everyone now has health insurance. Even so, many are not satisfied with the health facility and want to buy additional health insurance.

On the other hand, the hospital only issued one original receipt. If so, threatened claims can not be made against additional insurance. How can I take another insurance if so?

It should not happen if the insurer receives a double-claim. That means one of the health insurance party is willing to accept the legalized receipt (not necessarily the original receipt) to pay the claim. This makes the double-claim process workable.

Although currently only have one insurance, you should anticipate that there is always the possibility of having another health insurance. Therefore, select an insurance that can accept double - claim.

7. Pure Insurance
I once read an observer Mutual Fund wrote in his column that he was 'forced' to choose unit-link health insurance because there was no pure health insurance. In fact, he already has an investment in Mutual Funds.

In unit link there is a portion of investment, so this observer who bought unit link health insurance is actually doing waste because he already has an investment in Mutual Fund . Better money is used to increase his investment in Mutual Funds.

I'm not saying do not buy unit link. Not at all. Buy a product that suits your needs, that's my message.

7 Tips and Tricks on How to Choose a Health Insurance

Health insurance tips and tricks - That is, if you already have an investment, for example in Mutual funds , gold , property, why need to buy insurance products that have elements of investment. Better to buy pure health insurance products that have no investment element.

Pure health insurance premiums are cheaper than unit link health insurance. Or if the premium is the same, the benefits are greater in pure health insurance.

The message is clear. Buy products to suit your needs. If it does not have an investment, buying unit link health insurance is one thing that can be done.
Information, Tips, Tricks About Insurance
7 Important Things To Look For When Purchasing Insurance

Unwittingly, advances in information technology and information disclosure have prompted the public to become financially literate in Indonesia. Information on the products, services, distribution and profiles of financial service providers is also increasingly easy to obtain and more transparent to the public.

Especially regarding the insurance industry, both life insurance and general insurance, this becomes a blessing in itself. The confidence in insurance and professional products involved in the industry has increased dramatically, and there has been a significant increase in sales in the last 10 years. It can be said that this is a positive impact of the increased awareness in the community about the need for insurance and the success of regulators and industry increases insurance minded in the community.

Unfortunately, with the characteristics of Indonesian society is very communal and tend to be conventional, there are some misperception and wrong decision making that already used as a foundation when buying insurance products. Not infrequently this becomes a commotion to the realm of law in the future. Of course not expected this continues in the future, is not it? For that it's good we recognize any errors in insurance in the community.

1. Buying unneeded
Quite a few insurance products, mainly life insurance, are offered on a friendship or social basis. With psychological pressure or not, and consciously or unconsciously, it often leads to an unnecessary or unnecessary purchase. I once encountered a case where an elderly person but bought Unit Linked products with an aggressive fund dominated stock just because the offer was his relative. Or a bachelor who happily purchases endowment education fund insurance product because the offer is ex colleague in the old office. Sooner or later it will be realized, that it has done "wrong buy" and expectations are not achieved. Then it ends with dissatisfaction and fuss ....

The key: just buy the needed and do not tolerate a bit because insurance is a long-term contract. If the product does not meet our needs, then set a heart to reject it. If you want to help friends or relatives, use other media that will not bind each other for long.

2. Not buying required
This is similar to the above points, and often comes together or complementary. A seller of insurance products has a code of ethics and is trained to be able to conduct consultative sales. This means sales are only done if it suits the needs of the prospect. Unfortunately the various products offered provide different commission rates of sales. And for unethical sellers, it is quite common where only offering and exposing products that provide a large sales incentive is not necessarily required by the prospect. As a result there are two errors at once: which do not need to be purchased, while the necessary even not bought because it is not offered.

The key: discipline with the seller of insurance products. You must have a financial plan if you will meet with an insurance sales agent or better to reject an appointment to meet. If you meet, you must discipline yourself first. Only allow the agent to offer the product you mentioned earlier as your requirement.

3. Does not match the value of protection needs
Often mistakes start from yourself as a buyer. You pay, and you have to decide what you need. Every individual is unique and it is not appropriate that you stack your financial plan on an illustration or an insurance agent sales presentation. You have to know what type of product you need, for how long, and for what protection needs. The job of an insurance agent is to capture the information, then locate the appropriate product and the appropriate protection scheme. You are in complete control, not them.

4. Not adjusting financial ability
A number of insurance products are packed in such a way both actuarially and in marketing with very interesting. And this is fine. But you have to remember that everything is not free. Forget the fun that comes from offering "No Claim Bonus", or "Loyalty Bonus", or "Active Payor Bonus". It all comes from your own money. The money you pay regularly as a premium, and certainly only a fraction of the profit that appears on the insurance contract that will be returned to the buyer.

Apesnya, because it is dark eyes, many prospects who play a hit and decide to buy. On the other hand, he does not take into account whether he will be able to pay as scheduled premiums set. Indeed, to avoid the policy into lapse (cancel) the insurer often provide premium loan facility (certainly with high interest), and this often abort clause to get a "bonus". Forget about this bonus. You better focus on how much your financial ability and adjust to the needs of protection you have.

5. Not proactive and involved
Indonesians in all walks of life have a tendency to be bossy and happy to be served even for even small-time clients. And service providers and sellers, are often happy to provide extra super services. Make no mistake, this could be bad for you !!

The more you are not proactive in taking care of your own insurance, the more you are in the realm of your insurance management. There are two disadvantages. First, you are increasingly dependent on your insurance agent, while they are not always there. Besides they often provide extra services that do not exist in the company's SOP, consequently when you are served by others, you will be inflamed because it feels "the service is down !!!"

The second disadvantage, you do not know well how the reality of your insurance product is managed, even it could be anything your rights and obligations you do not know well. Almost always encountered policyholders only know about the "contents of the insurance application form", "receive the book policy", "pay premium", and "there insurance benefit". Though often insurance products, especially life insurance, is packed with very creative and profitable for its critical customers.

6. Not peruse the policy and insurance contract
Because buying from a trusted trusted person (a friend or relative), then feels that the value of his policy is small, or feels limited to "help", consequently the policyholder often does not read carefully the contents of the insurance contract, including the suitability of what ever presented in the illustration and oral explanation of the agent. Predictably, later tensions will arise when discontent is felt because of the difference between what is understood and what is contained in the contract.

Rigorous reading also provides an opportunity for policyholders to understand their contingent rights (the latter right when a clause occurs), which is bound to arise in the future. Or if there is an unknown term or understanding, can be identified earlier if this contract document is read carefully.

7. No heed of free look period facility
This is a grace period facility where if at this time you feel wrong buying, not satisfied with the policy received, or dissatisfied with the service or product purchased, then you can cancel this purchase and get paid premium returns. Related to the point no 6 above, often because it does not care about the correct purchasing process, the policyholder does not know or ignore this grace period. As a result when it appears disappointment and intend to cancel the policy already purchased, feel aggrieved because it did not get a premium return.

Easy. Just the following three steps:
- Create a thorough and comprehensive financial plan . So you know exactly what is needed, how much and for when.
- Self-discipline to run the process of purchasing and decision making is good and right. Do not be affected by agents, or promotional strategies. Focus on your own needs and your ability to pay premiums consistently. Do not fall asleep with various offers of bonuses, discounts or gifts, because all of it will use your own money you know.
- Read insurance contracts carefully , so you know your rights and responsibilities and the benefits and consequences of those things.

Congratulations Insurance is good and right!