Information, Tips, Tricks About Insurance
The cause of death was denied life insurance - Life insurance is a financial program that is widely used in the community, in particular the head of the family, to guarantee his family's finances. These insurance funds will be given to the beneficiary when insurance participants experienced an accident that caused his death or total permanent disability so that it can no longer earn a living for their family members.
The Cause of Death Was Not Borne of Life Insurance

The amount of the sum assured is paid by the insurance company are not the same, all depends on the amount of premiums paid by participants of insurance as well as a few other things. This is very useful to have insurance, especially for beneficiaries who are financially dependent entirely on participants of the insurance.

On any insurance products including life insurance, all the terms and conditions will be stated in the insurance policy. This policy is typically composed of various important documents, and contains extensive information that binds the parties (participants and insurance company) to comply with all regulations set forth in the policy. One of the things that are set in the policy that is the leading cause of death in the end make the insurance policy was rejected and the insurance companies no longer have the obligation to pay the sum assured, among other things:

Disease including pre-existing condition
If the participant is already in the diagnosis or have symptoms of a disease and occurs before the validity period of the policy, then the rest of these diseases will be included in the conditions of the pre-existing condition. If at any time the participant died due to this disease, then declared void, insurance policy or insurance company has no obligation to pay the sum assured on heirs left.

The death penalty
If insurance participants died of a death sentence being dropped by the courts on the participants of the insurance.

Insurance participants who died of suicide or suffered permanent disability total due to attempted suicide will not be entitled to sum assured.

Do the crime
Participants who experience the total permanent disability or death while doing criminal acts in any form and against anyone indirectly will be disenfranchised got sum assured company.

Participants involved in the activities of the military official, or a variety of other war crimes such as riot, civil war, riots, and other similar actions will cancel the insurance policy.

Plane crash
Participants who died from a plane crash in addition to commercial aircraft (such as military aircraft, private aircraft).

The use of illegal drugs or alcohol
Participants who died due to the use of illegal drugs (Narcotics) or due to consume alcohol.

Natural disasters or the reactions of atomic nuclei
Participants who died from natural disasters in any form and includes if exposed to the reaction of atomic nuclei.

Participating in sport
If the participant died while participating in extreme sports (parachuting, rock-climbing) or other sports (diving), either in the form of a match or not.

Accident before the expiration policy
Participants died of any cause and occurs before the policy took effect.

Mental disorders
Participants experience a mental disorder and finally suffered disaster to death or total permanent disability.
Information, Tips, Tricks About Insurance
1. Insurable Interest (Interest for Insured)
That is, an insured person must have an interest (interest) on the property (object) that can be insured (insurable). Objects that are insured must also be legal and do not violate the law and fall into the appropriate category.

6 Insurance Principles Which We Need To Know
In case of any occurrence of a disaster or a problem that resulted in the object concerned being damaged then the insurer will get financial compensation

• Family relationships, such as husband, wife, child, father or mother.
• Business relationships, such as creditors with debtors, firms with key people in the company.

2. Utmost Good Faith (Good Faith)
An action to express accurately and completely, all material facts about something to be insured whether requested or not. That is, an insurer must be honest and openly explain clearly and correctly on everything about the object insured.

This insurance principle also explains the risks that are guaranteed or excluded including all terms and conditions of coverage clearly and thoroughly.

3. Proximate caus (Proximal Kausa)
A major active and efficient cause that causes a loss in a sequence of events. the claim stipulation in this insurance principle is that if the insured object is unfortunate or accident, then the first time must and will be done by the insurance company is looking for the main active and efficient cause that can move a series of uninterrupted perustiwa which eventually led to the accident. From these considerations can only be determined the number of claims received by the policyholder.

4. Indemnity (Indemnity)
A mechanism requiring the insurer to provide financial compensation (compensation) in order to place the insured in his financial position immediately before the occurrence of losses (KUHD article 252, 253 and affirmed in article 278).

However, this idemnity insurance principle also has a provision stating that the insurer is not entitled to provide compensation greater or greater than the client's financial condition for the losses suffered. For example, in case of illness, the insurance company will pay or reimburse the cost of the hospital something with the bills that have been paid previously.

5. Subrogation (Transfer of Rights or Guardianship)
That is the transfer of rights from the insured to the insurer if the insurer has paid compensation against the insured.

6. Contribution (Contribution)
That is, if the insured insured an object to several insurance companies, then there will be what is called the contribution in the provision of protection from each company.
Information, Tips, Tricks About Insurance
An important factor to compare Insurance - Nowadays a growing number of insurance companies that offer the best insurance product. Each product has the advantages of each of these can make you might be confused to choose.
4 Important Factors to Compare Insurance

One of the many products offered is life insurance. Various bids come in and sometimes look very seductive and make communities easy dropping option without first doing the comparison. Finally, there was little that felt had been wrong to vote because not owned life insurance benefit according to your needs.

You can observe the following 4 things to do product comparisons before life insurance choice.

Do These 4 things In life insurance Comparison

1. Find out the company's Reputation
Sometimes great products on offer did not come from a company with a good reputation. Even though you're tempted to buy these products, knowing the reputation of the insurance company product owner should still be a priority before dropping a selection on a single insurance products.

To know the reputation of this can be seen from the track record of the company as well as its performance during the last few years. You can also find out how they provide services to its customers.

By knowing the reputation of the insurance company, you could understand how secure the funds you invest to the company. So you will always feel safe and comfortable while paying a premium.

2. Payment of premium
Premium means the burden of costs that you must pay. Some insurance products usually offer premium cheap and affordable but with low benefits, of course. However, it does not mean the high premiums can also provide great benefits.

We recommend that you calculate with your financial ability to mature in determining the magnitude of the amount of premium that you want to pay. Don't get because of having to pay large premiums, your financial condition even messy.

3. Ease of Administration Process
Take care of the administrative process is the most crucial in life insurance. Nothing, many heirs often dikesalkan with the convoluted administrative process when filing a claim. Moreover, in conditions of still grieving due to loss of the insured. This could be your consideration before you drop the selection on a single insurance products.

4. Make sure the type of life insurance you choose
In doing a comparison of life insurance, should you check first its kind. Life insurance as well as insurance is generally combined with investment instruments or purely as a traditional insurance. Customize to your needs.

You have to know in detail how easy or complicated administrative process that must be undertaken for the submission of claims and other processes.
Information, Tips, Tricks About Insurance
Advantages of cashless health insurance - Choosing insurance should not be arbitrary. Especially if you want to use is health insurance. You certainly need to be more selective again in choosing it. Because health is one of the main things that should be a priority for a guarantee. For the sake of your health is more secure later, it is advisable for you to choose cashless health insurance. By applying this system, an insurance company can be spelled out superior to an insurance company that does not use the same system.
This is the Advantage of Cashless Health Insurance

Excess Cashless Health Insurance
The cashless system is a system where an insurance company that allows its customers to not pay hospital fees with personal funds first. That means, if insurance customers are sick and taken to the hospital, funding has been financed by the insurer or insurance company. Actually what are the benefits of the cashless system so that health insurance that has this system is considered a good health insurance?

- Using the card
"Cashless" literally means without cash. It is true, cashless in insurance means you do not need to use personal money for hospital financing. Instead you only need to show the cashless card from your insurance along with the required identity card. Hospital financing will be covered by pure cashless insurance.

- Medical costs in accordance with the bill
The cashless system implements fairly fair financing for you. Your healthcare costs will be adjusted for the premium you pay per month. So you do not have to hesitate to meddle your medical expenses or care at the hospital. Everything has been customized by your insurance company.

- Guarantee age 6 months to 75 years
The cashless family health insurance is also recommended in terms of health care of all types of age. How come? Since your child is 6 months old until your elderly parents, everything can be guaranteed health by a health insurance company that has a cashless system.

- There are several optional packages
The cashless system has several package options that can be tailored to the needs and capabilities of its customers. The cashless system does not complicate its customers with unexpected costs and services. Everything can be customized in this system.

- Inpatient claims online
Usually the process for insurance claims is very convoluted. But insurance companies that have a cashless system will understand that there is no time to let sick people stay sick. Therefore, the cashless system allows its customers to make claims online. Easy, is not it?

Best Cashless Health Insurance Example
With the various cashless advantages above, of course you no longer have to doubt to choose a health insurance company that has a cashless system. The next question is, which health insurance companies have a good cashless system? The following are some of the names of family health insurance companies and cashless health insurance for the best individuals in Indonesia:

- Allianz Allisya Care
- AXA Smart Care Executive
- AXA Mandiri Kesehatan Prima
- Lippo Health +
- Manulife ProHealth

Another thing to consider in choosing a health insurance with cashless facility is partner hospitals and diseases that are on-cover. Choose a cashless health insurance that has worked with many reputable hospitals and hospitals in your city. Try also choose an insurance company that can cover all kinds of diseases and various treatments either general or special.
Information, Tips, Tricks About Insurance
The best outpatient and inpatient health insurance - In health insurance products is usually divided into two, namely for outpatient and inpatient. But consumers or insurance participants also need health insurance outpatient and inpatient. Although some leading insurance companies have expanded their wings to provide outpatient and inpatient health insurance, most people remain focused on inpatient services alone, as it is considered more serious and more serious than outpatients. In fact, outpatients also need the same treatment and care.
List of The Best Outpatient and Inpatient Health Insurance

Apparently, there are some insurance companies that are focused to serve their insurance participants for outpatient. What are the companies? Let's look at the following list;

Simas Sehat Coorporate (Sinarmas Insurance)
This healthy simas is an insurance product issued by PT Sinar Mas. In this insurance product has guaranteed outpatient healthcare costs for customers and also families that have been dicovernya. There are also benefits obtained from this insurance user is the guarantee of childbirth and postpartum if there are family members who are pregnant, medical consultation fees and also medicines, regular dental care, and also the cost of replacement glasses lens.

Health Care Insurance (Bringin Life)
Bringin Life insurance company offers individual or individual outpatient health insurance. This type of insurance also focuses on outpatient care for customers who work as employees. There are so many benefits that can be obtained if a customer from health insurance Bringin Life especially for outpatient, such as; receive general medical check ups, receive compensation for a specialist consultation, substitute for the cost of medicines per year, laboratory test guarantees fees if the customer experiences serious disease symptoms, dental care costs, and also the replacement cost of eyeglass lenses. Claim submission process in this company fairly easy because it uses reimburse system.

Smarcare Executive Group (AXA)
In this insurance product, Smarcare provides protection for you and your family with the benefits of outpatient health insurance and highly profitable. This insurance product payment system is cashless and is valid throughout the hospital which is a partner of AXA with 24 hours service. If you do not want to be admitted to the hospital, you can do an outpatient treatment with care as well as medicines covered by AXA.

In addition to other diseases, the benefits of outpatient that can be obtained is the cost of regular dental care and optical lens replacement guarantees if you use glasses. For the insurance age age of this membership is 15 years to 60 years. Usually the premium given has been adjusted to the needs and insurance policies.

Maxi Violet (Allianz)
This health insurance covers the outpatient issued by Allianz. The company has cooperated with many existing hospitals, so that all people can get health services that have been adapted to the standards of IDI (Indonesian Doctors Association). The benefits of Maxi Violet insurance participants, especially for outpatient care are the cost of a guarantee for a consultation with a general practitioner or a specialist, accidental outpatient care, medical expenses, dental care costs and optical lens replacement. The system used by Allianz company is cashless that can be used in all hospitals.
Information, Tips, Tricks About Insurance
The best outpatient health insurance product - Health insurance divides itself into two namely inpatient and also outpatient health insurance. Most of the insurers focus on hospitalization only because it is considered more serious and serious than outpatient while outpatients also need the same treatment and care.
4 Best Outpatient Health Insurance Products

Almost all companies offer outpatient health insurance and stay in accordance with the necessary requirements. But you also need to know some companies that also have a focus on the health of their customers through outpatient care.

4 Type of Outpatient Health Insurance
Here are the outpatient health insurance products offered by two insurance companies:

# 1. Bringin Life Health Care Insurance
Bringin Life offers individual outpatient healthcare. This type of insurance also focuses on outpatient care for customers who work as employees. Many benefits can be obtained by becoming a customer Bringin Life especially for outpatient such as:

- Obtain medical examination benefits
- Getting compensation for consultation with a specialist
- Replacement of medicines cost per year
- Guarantee fee for laboratory tests if the customer has serious symptoms of the disease, and
- Additional benefits of dental care and also the cost of glasses replacement when the customer is using glasses.
- The claim submission process was fairly easy by using the reimburse system.

# 2. Smartcare Executive Group from AXA
Smartcare is a health insurance product issued by AXA. Here, Smartcare provides protection for you as well as families with excellent outpatient and outpatient benefits. The payment system used is cashless and applies to all partner hospitals from AXA with the 24 hour service provided to you. If you do not want to be admitted to the hospital, you can take outpatient care and medication will be covered by AXA.

In addition to other diseases suffered, the benefits of outpatient can be obtained is the cost of regular dental care and optical lens replacement coverage fee if you use glasses. Grace age membership that you can register is a member aged 15 to 60 years. Some health insurance for outpatient does provide important benefits for your health as well as families with premiums that are tailored to the needs and policies.

# 3. Maxi Violet from Allianz
Maxi Violet is an outpatient health insurance that is run by Allianz. The company also works with many partner hospitals so that the whole community can get health services that are already adjusted to the standards of IDI or doctor bonds. Many benefits, especially outpatient that customers can get such as:

- Guarantee fee charge for consultation either general practitioner or specialist doctor,
- Outpatient guarantees due to accident
- The cost of medicines
- Dental care, as well as
- Optical replacement.
- The payment system used is cashless in Allianz's partner hospital.

# 4. Simas Sehat Corporate from Sinarmas
Simas Sehat This is an insurance product issued by PT. Sinar Mas. This insurance product guarantees outpatient healthcare costs to customers as well as families that dicovernya. Some of the benefits include delivery and postpartum care if there are family members who are pregnant, doctors consultation fees as well as medicines, regular dental care guarantees and replacement of eyeglass lenses.

Basically, all health care is important both inpatient and outpatient health insurance that you do so this information can be a reference for you find the right choice for family health.
Information, Tips, Tricks About Insurance
Cheap family insurance products - In terms of type, there are two kinds of insurance that is individual health insurance and also family insurance. For individual insurance, the company will guarantee personal healthcare costs only for policyholders without additional family. But for someone who has more than one family member, it would be better to protect all family members so that they can live safely and quietly.
Cheap family insurance products

In fact, family health insurance does have a premium that is more expensive than the individual type because of the large number of people borne, but it is the right way to choose so you can stay together with family comfortably and do activities together.

Best Family Insurance Options
Here are some of the best family health insurance products you can consider to provide insurance coverage for your loved ones:

# 1. Family Eazicare
Family Eazicare is one of the family health insurance products offered by Cigna Indonesia. This product is an insurance that can protect 5 family members with one premium. Insurance like this is considered more efficient because each family member does not need to buy the policy separately. Parties covered are husband, wife, and also 3 children.

Many benefits can be obtained by becoming a Cigna customer, among others:

Benefits of inpatient costs in the form of daily allowance, surgery, daily allowance for intensive space or ICU
Accidental death benefit due to accident, dental care benefit
Benefits of an ambulance fee
There is also the cost of compensation for outpatient and also the cost of companion when in hospital or on the way.
The payment system can be cashless so that you and your family only need to show Cigna card to the administration officer.

# 2. Insurance Mandiri Health Insurance
This insurance is a family health insurance product offered by AXA Mandiri. Here, you and your family as customers will get comprehensive protection especially if family members are hospitalized. Given a discount on you who enroll the family as a member of this customer.

Many of the benefits that you get from AXA are given daily benefits for hospitalization, ICU care, surgical costs, and also get transportation costs to the hospital. The customer will also get a 100% premium refund if there are no claims within 5 years. In addition, customers also only pay a premium of 10 months for premium manifold annual.

# 3. Smarthealth Maxi Violet from Allianz
In addition to the types of insurance for families mentioned, there are still many types of health insurance that is for your family as a whole like Smarthealth Maxi Violet from Allianz. Smarthealth is an insurance that can be used for individuals and also for families. This insurance offers a number of benefits to its customers, including:

- Reimbursement of care costs if you or any of the families suffer from an illness or accident requiring hospitalization
- In addition to basic benefits such as inpatient fees, customers will receive a variety of rider or other additional benefits such as outpatient, dental care, labor costs and also no waiting period for certain diseases.
- The payment facility is cashless so you do not have to pay for service at the partner hospital of Allianz
- Have a reimburse claim system so that the insurer will pay in full reimbursement of the cost of care and treatment, and
- Getting a discount in the extension of a sentence if within a year there is no submission of any claim.

By choosing the best cheap insurance for your family, you can indirectly provide protection to your family's health from the risk of illness or accident so you can stay alive with your family safely and peacefully.