Insurance is already known to the wider community. but there are still many who do not yet know the benefits and advantages of using this insurance. but who can guess the journey of life ourselves? Whether it will is always fun, healthy and happy? Everyone naturally expects comfortable living conditions but we must realize that any of our expectations about life, it is God who became the determining over all.
It is possible that we are now healthy but 1 hour ahead, could just all of a sudden we are sick. It is possible that the current us abundant wealth but 3 more months, to just eat only with difficulty. Just maybe this time we were a Director of the company but 6 months again, to send a child alone is not capable of.
Life is full of mysteries, we won't know what will happen in the future. Therefore, to anticipate the conditions less pleasant, it takes an investment/savings protector that can cover our needs unexpectedly in the future, i.e. by having insurance.
Everyone certainly did not expect the disaster and a range of risks such as sickness, disability, death, accident, fire House, lost property etc. But it is undeniable that all of it could be natural, without our explicit permission and come with all of a sudden. What would happen if we don't have any grip, no money not even anyone who could help us? Difficult isn't it?
Well, this is where insurance plays a role in our lives. When we don't have the ability and preparation to face various risks, we need insurance. Simply let the insurance works according to the procedures to guarantee our lives but do not forget that to get insurance coverage facilities, we are obliged to pay the premium on a regular basis an investment of our lives in the future.
Insurance is a form of risk control is carried out by way of diverting the risk from one party to the other party, in this case is insurance companies. The primary function of insurance is as a diversion risk, fundraiser, and balanced premium. A secondary function of insurance is to stimulate business growth, prevent loss, loss control, have social benefits and as savings. While insurance is additional functionality as investment funds and invisible earnings.
Why people must have insurance?
Speaking of insurance, there is countless insurance offers a range of benefits to suit your needs. Variety of insurance that we often hear is life insurance, health insurance, disability insurance, accident insurance, education insurance, home insurance, car insurance, insurance, annuities, etc. Everyone certainly has a different point of view about the way insurers, many of which received positively but not infrequently also refused outright to have insurance. Then, anything that is in the minds of the public when offered insurance? Something like this is their reply:- "sorry,.I am not interested to join the insurance."
Suggestion: we suggest that you first listen to the explanation of the insurance agents with an open mind and understand all the advantages of insurance to offer. It could just be all the advantages as you need during this time. So, positive thinking towards insurance.
- "the necessities of life is already stifling. How would it be if the insurance pay per month?"
Suggestion: Try deh needs analysis your life per month ' strangle ' it. Is there a need for the primary ' not ' you always spend? Is there a need for less rewarding often spend the contents of your wallet? Try to reduce the need of it, for example, slightly reduce the allotments of money to buy a pulse, hanging out in cafés, shopping at the mall then set aside all of that to pay insurance premiums to suit your needs. Guaranteed, your life will be more secure and comfortable.
- "I am still young, still a healthy shape. I think no need to join any insurance."
Suggestion: If you do not have enough money to guarantee your life or your family, you should join the insurance. Especially if you are still young-old, the premium you pay per month is certainly lighter than those who are older. The insurance company argued that young age have a lower risk of diseased than those seniors. So, when you are young, please, make the most of your time to have insurance that can guarantee You convenience in the future.
- "Just a waste of money. better money saved rather than join the insurance."
Well, this may be the answer to the extreme with regard to pay for insurance as an act of futile because of the seeming just a waste of money with no benefit. We must understand that the insurance and savings basically have different benefits.
Advice: once again, understand first what it is and what it's insurance savings. Both of them did have benefits but more insurance plays a major role when we are in a State of emergency due to something that happened unexpectedly. For savings, we will be able to feel its benefits when it's accumulated a lot in a long period of time. But for insurance, we can feel its benefits shortly after we hold a policy formally (in accordance with a specified time an insurance company), even given according to our needs, not only of our premium pay.
- "that Insurance fraudsters. His company just want to profit themselves".
This answer shows that you only think of one side alone, that of insurance company profits, but never thought about the advantages for those of us who become customers. Logically, any company would certainly aim to seek profits through the service/goods which they offer to the consumer/customer.
ADVICE: never judge anything that we haven't understood in its entirety. Please note, all that will be borne by insurance companies and all associated info, all have been stated in the policy. Therefore, our potential borrowers are required to read and understand the contents of the policy and do not hesitate to ask the agents who offer if there are indeed things that are not yet understood. With an understanding of the advantages and benefits of the insurance, our mind will become increasingly clear to determine whether we need to take the insurance or not.
- "deterrent join insurance. The process is complicated. Turn it takes my claims were rejected"
This may be a reasonable reason let alone You have experienced an insurance and when claimed, apparently difficult liquid or even rejected for some reason. Well, again, this is just a matter of our understanding of any given coverage insurance companies that we follow. Have you actually read the insurance policy you hold now?
ADVICE: Read Your insurance policy once again. understand its contents? This becomes very crucial when you have to deal with insurance companies to grant the claim for the issue at hand. The insurance company has set points which become his responsibility and which are not. If you have set up as a legitimate auto policyholders the insurer assumes you are already familiar with everything that is stated in the policy, because you also have signed some documents when the activation policy.
Why do insurance companies reject your claim?
Have your claim was denied by the insurance company? Feeling angry and disappointed because the obligation to pay the premiums alone is a routine and never too late but the right is not granted kok? Well, there is actually a lot of things we have to understand the client's insurance together as that insurance companies have varying conditions while bear the costs over the claims of the customer. Why is there a claim that is easily administered and there is also a hard fact disbursed declined? Here are a few reasons that might apply in some or all types of insurance:
1. Problem/Disease you don't tercover the insurance agreement
Consciously or not, is often experienced by customers of insurance where they apparently did not know for sure what is covered by insurance which they follow.
Examples in life insurance: in a written contract that if he died by accident/ill will be borne by the company. But if in fact the customer died when he did the crime, it's certainly not the responsibility of the insurance company again.
2. Your document is not complete
It's also important to be aware of by insurance clients. Before making a claim, make sure that all the documents complement already there so you don't have to waste time back and take care of it.
Examples in health insurance: when you want to claim the costs of hospitals, you must have a doctor's certificate that you are sick, the letter claims of your own, as well as various other documents as a complement.
3. Your Status is still in the Grace Period (waiting period)
Grace Preiod is the activation of the policy from the date of its publication. Call it a rule that provides insurance for hospital care, the polisnya waiting period is 3 days. As for the critical illness policy waiting period is 90 days (3 months).
Examples in health insurance: your policy published on May 10, 2015. If suddenly enters hospital for inpatient 25 may 2015, your claim will be denied. However, if in the time of an accident on the client, the insurance company will accept your claim.
4. Your policy Lapse in a State (not active)
Policy Lapse means that your policy is not active because you don't discipline in pay liability insurance premiums have been due. Therefore, the insurance companies have the right not to pay the claim which you submit. Call your insurance is due if in 3 months in a row there is no premium payment.
Example in property insurance: one time, store your gold fire due to shorted electrical. When You've been late paying insurance premiums for 5 consecutive months. Automatically as you claim, the insurance company will not grant these claims because you have violated regulations in the contract.
5. You Deliberately Do ' evil ' insurance
Crime insurance is less laudable actions which deliberately done for the sake of getting disbursement of money claims. Never commit crimes like this because the insurance companies also have filter info and a very strong data so that if your actions violate the terms, you will receive legal sanctions.
Examples in life insurance: a child (beneficiary insurance) accidentally kills his father (an insured party) just for the sake of getting a large number of claims to the money. If this action was noticed by an insurance company, your claim will be denied even you can was penalized for having committed a crime plan.
6. You in Pre Existing Condition (pre-existing Condition)
Pre Existing Condition is the condition You are in accordance with the fact, for example, in the case of the disease. This relates to the honesty of the customer when filling out the form of the disease history when applying for insurance. Expected to provide appropriate info State so that later when claims do not experience problems.
Examples in health insurance: the customer has a history of illness but she blown hide this fact. After 4 months of holding policy, she filed the claim because of the blown relapse, the insurance company will deny the claim because it was previously not recorded in the history of his health.
Above are just some of the reasons of rejection of the claim by the insurance company. Still a lot of other things that may not have been mentioned here, adapted to the type of insurance and the company that published it. With the above facts, it is important for the policyholders to study contracts carefully so as not to feel aggrieved in the future.
In my opinion, it's the same with insurance by investing for the future. For example, we have health insurance means we have the investment money to guarantee the cost of our health in the future. Living conditions are subject to change at any time without we can guess in advance. Currently, I have private health insurance in the future I hope can be useful when needed. As long as it pays the premiums smoothly and on time, we ask the claims (according to the problem that tercover) certainly will be granted by the insurance company.
Generally, some of the major benefits if we have insurance are:
- Provide recourse in the event of a disaster, such as illness, accidents, fires, etc.
- Teaches us to be more wise in managing money because paying an insurance premium equal to saving to ensure the future.
- Make old age more quiet and comfortable as with insurance, your life more secure, both with the health fund or pension fund, in accordance with the selected insurance.
- Insurance education will reduce the burden of us very useful in the future because the cost of the education of the more expensive over time.
- Guarantee tranquility to the family's beloved & when assisting the insured passed away so the family/heirs can get the insurance money in accordance with the agreement/contract.
Hopefully the community increasingly aware for the insured, especially that considered the current emergency is health insurance or the soul that has enormous benefits for our lives day-a day. This will greatly help the community, which is currently the country's financial crisis conditions occur which cause the Department needs expensive goods, let alone for a fee to a doctor or hospital. Yes, if well thought out overall, insurance premium with our burden indeed to be paid per period of time (e.g. every month) in accordance with the provisions. However the advantage that we will get any bigger and our future more secure.
Don't ever underestimate the insurance. In order to make sure the insurance which we choose, see first insurance company that offers, is having quality and market growth is good or not. Next, learn also rules in a policy so that we don't feel lied to by the agent or company that offers insurance. After mantab with insurance companies and understand the points that the insured in the policy, please select the obligation to pay the premium per month that corresponds with the ability (income) you. Last, soon the list of insurance in accordance with Your needs and options, because insurance gives an advantage to living in the future.
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