Guide for car insurance

At the time of the current level where the more crime escalate the risk of accidents and also the greater, the presence of car insurance is very worthy to be considered. Though indeed in fact choose their own car insurance is not easy. Moreover, in the midst of a tight competition nowadays. Yes, stay smart-potential customers to choose which car insurance is right to be taken.

So, that does not select one, guide following:
Do not be tempted in the premium rates low. Section, to see if competition between insurance companies, many insurance companies lower the price to get customers as much as possible. And the case, the cheaper the premium rates offered are not necessarily guarantee a quality service as well. 

Be carefully from  package offered by an insurance company. One is knowledgeable insurance. This is because this guarantee must be knowledgeable in compliance with the desire and ability to prospective customers.

See also the network of insurance companies concerned. For example, how many have branch offices or how many partners have a workshop, so that your claim does not have to wait long in order to improve the vehicle or to report a missing vehicle.

Do not forget to ask for a matter of convenience, or value-added features which can be obtained when buying a policy in the company. For example, if there is a tow truck, car or hotline service, repair services, ambulance cars, and so forth.

Consider also bonafit insurance company. For many insurance companies claim they are the best, the financial condition was already very severe. Nah, to measure the bonafit insurance companies can be seen from the financial strength of insurance, including the assets and liability (ability to pay obligations). Point-point can be seen from the balance sheet of the report was announced in the newspaper. In addition, should also be the performance of the company in two or three years, this behavior management and how the company is standing for. whether it was broken a promise to the customers or not. This information can you get one of them is from our customers who previously had joined the insurance company or with the view that the number of loyal customers in the company..

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Choosing Health Insurance

HEALTH is the most important things in life. Therefore, through the various ways to treat and maintain health. Even people looking for health insurance to guarantee support and health. Moreover, the cost of care and treatment of disease the sky.

With the health insurance program means that you have the risk of transferring to another party. To risk that is transferred, you must pay the amount of which is dependent on the risk transferred and who want the benefits obtained. However, you choose remain sharp right so that the insurance does not disadvantage future. Here we provide some tips that you can see before making a decision to follow the health insurance.

Bonafits and Track Record 
Later this spread quite a lot of health insurance offered through credit card providers (Issuer). This means, in addition to quote directly from the company's health insurance, there is also a quote health insurance through your credit card provider (Issuer). Offered to card holders benefit from health insurance and premium directly charged to the cardholder through the credit card. 

At this point you have to find what benefits the insurance company is given. Whether insurance companies that work with your credit card issuer is bonafit and have enough experience? Do not leave, when you get sick and make a claim, the process even more difficult. You even make it. So, to choose the health insurance companies, there are at least two things you must look at, namely bonafid and its track record and benefits offered compared to the premium charged to you. 

Savings and Investment 
Service health insurance now is very varied. In addition to offering financial security when sick, have a consuming with certain services. For example, the premium paid will be applied as part of the savings or investment. This is certainly interesting bid. But insurance premiums are usually offered will also be larger. 

In addition, the fact that they participate in the insurance program will get the young age of some convenience. For example, no medical examination required. Please note that insurance premiums will increase with increasing age of the customer. So, register your interest in the health insurance while still young. 

Apple to apple 
See the comparison between benefits obtained with the premium you pay. How, compare insurance companies that insurance companies with one another (apple to apple). If there is a deductible (own cost), calculating how much the cost of the deductible apply. Compare also with the cost savings or reduction premium. 

Health and Hospitals 
In addition, you must also consider a hospital that works with the health insurance companies. The more hospitals that work together, the more insurance companies are bonafit. Useless if you have health insurance when in fact the hospital near your home, for example, does not have the same job with health insurance you have. 

Quick pay claim 
Try to ask your manager to the hospital or physician practice that is around you, insurance companies which pay most insurance claims quickly. Because this will determine the level of hospital services to you. 

Complete replacement of the 
Have health insurance that provides replacement Inpatient only. But there are also providing a complete replacement, with outpatient and medication. Well, if you are often ill-weakly and went to the doctor, you should take the health insurance that provides a complete replacement. But when you're rarely sick, to the premium, you should simply take the health insurance that provides replacement Inpatient only. 

Melt Claim 
Then in the melt is the most important claims in the insurance business. For that, you need to complete the information and data that detail from the hospital as proof of treatment. 

System Card 
There are two systems in the health insurance claims. Pay ago first billed later, or the card system where you do not have to pay anything. In fact there is no fundamental difference from the second type of claim from the insurance system health. Which is to distinguish the health insurance system with the card, place your choice of treatment or treatment is usually limited to those who already work with your insurance company. This is because the hospital / pharmacy should recognize your card before you are served. 

Unlike the system to pay the bill later ago, in which treatment you can (almost) anywhere. Which should be taken? When cash is no problem for you, it does not matter if you take a health insurance claim that use of the system. But if your cash is limited, would be better if you take a health insurance card with the system. 

Combination Service 
Service health insurance now is very varied. In addition to offering insurance financing at the time of illness, there is a combination with certain services. For example, the premium paid will be applied as part of the savings or investment. This bid is really interesting. However, insurance premiums will also be offered greater. Moreover, those who follow the insurance program at a young age would get some ease, such as, medical examination is not required.

Pattern Keeping Healthy Living 
While in turn you and your family are already a customer's health insurance, healthy patterns of life must remain executed. Not the healthy than the sick, even though the costs borne by health insurance companies? So, do not leave even though healthy lifestyle has become a health insurance customers.
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Tips In Choosing Insurance Products Wisely

1. Understanding the buyer or holder of the self-insurance
Holder or purchaser of insurance must be properly and clearly know about insurance needs. Select the appropriate needs must be a priority.

2. Search for the desired insurance, and insurance companies offered
Many insurance companies offer products and vary widely. Buyer must read carefully the insurance products are offered. If buyers need to be consulted with a friend or insurance specialist.

3. Consider the ability to be top of the insurance purchased
When buyers want only insurance premium is a cost, not investment. Next year the buyer must pay a premium again. Do not impose itself, if can not afford insurance for it.

4. Insurance products and the ability to fund
This is the process of making a decision to select the insurance product that will be purchased. Better if the insurance product you want some, and offered by several companies, so buyers have a choice.

5. Discusses the field of insurance products from insurance companies selected after the ability of funds
The discussion is important because the brochure was given to read are often ignored and less scrupulous buyers. Information brochures and insurance agents should be discussed with the parties understand the legal options so that more secure.

6. Choosing an insurance company
Buyers must be careful not to select one. Buyers need to know the company history. Ownership of the company's sometimes factors into the selection, but not the main factor.

7. Signing the insurance agreement
This stage needs to be carefully whether the content of the agreement in accordance with the buyer desires.

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Tips Ask a Health Insurance Claim

Understanding the secret tricks of a claim-health benefits to prevent the inconvenience and does not need to increase your opportunity to get a replacement. Here are the things you need to do when submitting health claims:

1. Read Certificate / Insurance Policy you. Before treatment in the hospital, learn all about the benefits of the policy provisions. If you are a participant's health insurance group, you are usually given a list of policy benefits. You can also ask the personnel to know the limitations benefits the parent company's policy. For your individual policy holder, you can ask directly to the agency and the services your insurance company claims.

Things to note from the certificate and your policy:

Health insurance benefits that are, the maximum limit for each treatment and the remaining items limit you have
Exceptions-exceptions, namely the type of disease or treatment methods which exclude, for example: aberration congenital disease, cosmetic surgery, the disease that already exist before the policy effective (pre-existing disease), etc..
Claims procedures, and how to include the type of document that must be completed. If your insurance company provides partner (provider), you need to know any hospital in the city that you become a partner. The advantage to treatment in hospital is a partner you do not need to pay insurance and pay the cost of treatment in advance.

2. Carefully review the hospital bill. At the time of leaving the hospital, the hospital will ask you sign the details of the treatment costs will be billed to the insurance or to you.

Make sure that the complete treatment data, including diagnosis, type of action, the cost for each item, date of treatment, the doctors and policy relevant data. Just a little mistake in the writing of the name-for example-can cause your claim payment canceled.

3. Submit the claim as soon as possible. For a replacement insurance (reimbursement) without going through the provider, a claim must be submitted immediately after treatment. Insurance companies generally have the expiration date of the claim. If that date passes, your claim can not be paid. In addition, the more quickly also makes it easier to communicate with insurance the hospital because the information is still fresh. Is even more important, the more quickly asked, the more quickly you will also get your money back!

4. Copy files a claim submitted. You never know how good the quality of the administration of your insurance company. When a case file because you lost, you will be grateful to have a copy.

5. Do not receive a claim denial. When you receive a rejection letter, Learn why, compare the provisions in the policy you. To disapproval is not because things are clearly listed in the policy, you are entitled to submit objections. Gratitute "defense" you verbally or in writing to the insurance. In many cases, insurance companies are willing to give in or to provide some compensation. In fact, in almost every insurance company there are always only claim payment of ex-gratia, the payment claim that is not guaranteed in the policy. Ex-gratia payment is usually based on consideration of customer service and business (sustainability policy).

6. When the number of claims declined very large, there may be there for you to hire lawyers. Insurance companies will respond very seriously when you use a solicitor. In addition to strengthening your bargaining position, the presence of lawyers make the insurance company is concerned because the impact on company reputation, if the case spread to the community. Settlement opportunities far greater in cases involving lawyers.

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INSURANCE TIPS

Many offer insurance at this time, what should we do and see ..? following a few tips that may help you in choosing a good insurance for you.

Choose a company with a healthy financial and profitable and has good experts.

Premium may be only slightly different, but make sure the number of security provided, the terms and conditions apply.

Make sure that everything listed in the Policy if a written request an explanation regarding what is required and is guaranteed not guaranteed, and the explanation of the clause-clause apllying particular, read carefully your insurance policy
Do not Ko-insurance or Re-insurance. Make sure the insurance company guarantees 100%, no other companies that guarantee the Ko-nsurance or Re-iinsurance will be difficult for customers to deal with later on by many parties. Except for the risk that for example hundreds of billions of rupiah.

According to the warranty policy. Make sure you get your insurance policy is correct and complete in accordance with your needs, ask for advice to the experts.
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Choosing a car insurance

Choosing a car insurance is not easy. Moreover, in the midst of a tight competition nowadays. Almost all insurance companies have vehicle insurance products. Living prospective customers choose which one is eligible to take. Therefore below we provide some criteria so that one does not select:

1. Prospective customers should not be glued on the cheap premium rates. For, in the competition these days, many insurance companies that lower prices, offers cheap premium rates. While not necessarily a guarantee service.

2. See the package of insurance offered. For example, knowledgeable insurance to how much. For this guarantee must be knowledgeable in compliance with the desire and ability to prospective customers.

3. See also the network of insurance companies concerned. For example, how many have branch offices or how many partners have a workshop, so that such claims do not have to wait long in order to improve the vehicle or to report a missing vehicle.

4. Be asked first convenience, or value-added facilities that can be obtained when buying a policy in the company. For example, if there is a tow truck, car or hotline service, repair services, ambulance cars, and so forth. And, that is not less important is the ease to make changes in the ease and ask.

5. Consider also bonafi insurance company. Do not have a claim to such, a workshop is not a partner. For many insurance companies claim they are the best. When financial conditions are very severe.

In addition to the above, there are still some factors that should be considered in the process of selecting an insurance company, including in selecting products. Things to keep in mind that in selecting an insurance company private, then that must be considered in general are the three factors.

First, the financial strength (security). Second, the service (service). And third, the cost or burden. Financial strength of insurance companies concerning the financial ability to fulfill his promise if the situation requires. This important note, because not a few insurance companies that appear on the outside dressed. For example, the vehicle manager is good. But when going from the customer claims, the company is not able to pay.

In assessing the strength of this there are several financial measurements that need to be.

a. Asset and liability. This can be seen from the balance sheet of the report was announced in the newspaper. See also, whether the investment is planted on the current or longterm. In terms of liability (the ability discharge the obligation) will be visible on the balance sheet, how the debt reasuradur, how he fulfilled the obligation to pay claims, and so forth.
Indicators liability, among others, net equity (own capital) divided by net premiums `` (net premium) at least 50%. Own capital divided `` gross premium (gross premium) at least 20%. Quoting solvability levels, as seen from their own capital divided by net premiums at least 10% of investment funds and technical reserves divided by a minimum of 100%.

b. Underwriting Policy. At the balance sheet and annual report will be seen that fortunately still the insurance, or profit growth. This means underwiting policy is good.

c. Underwriter it. the insurance have staff qualified or not. It was known from the profile of the company that holds its underwriter.

Services (service) which is a mirror of human resources in the company is quality or not. Moreover, insurance companies are selling services, the service is the prime key. For example, the extent to which speed of service both in published policy especially in payment or claim.

In addition, the problem can actually be perceived by the customer. Is this insurance company is truly provide the best service for customers.

In this also is necessary, whether the insurance company on this reinsurance security is first class. This can be seen from its annual reports. This is considered important, because if the company is not in the back-up by reinsurance, the company is most likely a speculative premium in receiving.

The problem is the cost of the cost incurred by insurance companies in operation. If the cost is greater than income, then clearly the company is not efficient. If you are not efficient, then the edges will have a loss. And, if the ongoing loss, certainly not healthy.

In this price can be also seen the premier. Compare the price of insurance premiums the same with the other insurance. Which is exactly the quality good

Conversely, there is a small insurance company but did not do the expansion, the number of RBC may be much greater.

Thus, the RBC can not be the only measure, the insurance company whether or not healthy.

In this case, which is also remarkable is the performance of the company in two or three years. How big profits earned each year, how much gross premiums they receive each year, how much additional capital and assets each year.

And, that is not less important is how the behavior of the management company for this. Is there a management company for this broken promise? Have management experience TORT this company and others.
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Meet your insurance complaints

The state insurance commission completed thousands of complaints every year. Complain to the insurance companies vary on how the insurance claim in the sale of insurance policies and services. If you feel the insurance company is not fair to you or your insurance claim insurance policy, you have the right to submit complaints to the commission of insurance you.

Before making a purchase insurance online, it will be very good to know your rights as a consumer. If you ever find that you need choice complain insurance, there are some things you need to be prepared. First, came on the commission web site and find the insurance that must be grouped as a complaint.

Many state insurance commission has a complaint form available for download or fill in online. Once you know how to begin the process, you will collect all records conversations and contact agents. Most insurance companies have claims departments of insurance where you can talk on every new person you contact, so it is important to keep all records of all conversations with insurance companies.

At this time than when you complain, commission insurance company will contact you to ask for additional documentation they will need. In most cases, the next step commission will take a copy of each complaint and the insurance company to provide a response. If the commission felt the response was adequate, they will send you a copy of letter of explanation. However, if the commission felt the response was not enough, the company will complete the issue and find if there is a failure of law.

One important thing must be remembered is that the complaint process is the case when you are in the design for each person who tries to complete the problem, people can not be treated as your lawyer. Give job for lawyer who will represent you.

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