Life Insurance

"Life insurance is an agreement, between the 2 (two) or more parties with which the Insurer is binding to the insured to receive a premium to provide a payment based on the death of the insured person or his life"

clearly play a role here for the benefit of life insurance to maintain one's economic value in case of accident death, so that those who abandoned or heirs can continue to receive a decent living with a certain amount of money available in the insurance policy agreement. So in accordance with its main functions that life insurance is used to transfer the risk of death is to the insurer (insurance company) so that the economic value of the insured (the insured) can be maintained.

Now you can understand the intent and purpose of the protection of life on this one, so I do not need to linger and I immediately replied that life insurance is needed for people who are still in the productive period that has economic value or income that is used for sustain family life. Especially if your child is still a small child, how their future when "Pickup from Above" suddenly came. Because we never know about the age of our lives, and this is referred to as an uncertain time of death even though we own all already know that in fact it is the certainty of death for all people without exception.

But I see a phenomenon that's funny because sometimes some people who already have excessive investment even has a passive income of life insurance aja still view this as a necessity, but ironically some people who do not have much investment or passive income is the insurance rate is not too need because they think their money is limited. Precisely because all kind of limited, we increasingly need to protect this one to preserve the economic value of her only so that our family maintained its economic life, if an event of uncertain time for that to happen. However umunnya the more established one will be more aware of the importance of this issue. Believe it or not, the judge of your own!

Health insurance is probably the most important insurance you have. Expensive health care costs can be very costly if you are not guaranteed by insurance. Not infrequently there are people who must sell their possessions to cover the cost of hospital care. You do not have to like it by having insurance.

However, health insurance also is a fairly complicated product to understand because of the wide variety offered by the insurance provider. Naturally when you can be confused by it.

Health insurance in Indonesia is currently provided either by government or private. Government through the HIP program (health insurance of the poor) ensure health care costs up to a certain amount for the poor Askeskin cardholders. These civil servants are also covered health costs by the Government through PT Askes which premiums are paid through payroll deduction PNS.

If you are not poor and not a government employee, you can buy a lot of commercial insurance programs run by national or foreign private companies. In fact, PT Askes also provides a program of "voluntary participation" for employees in the private sector.

Commercial health insurance can be purchased by individuals and groups (a collection). Due to administrative considerations and risks, many health insurance products may only be purchased by the group, not individuals. Here are some types of health care costs that can be guaranteed by insurance:

1. Outpatient

Insurance to cover outpatient physician fees, diagnostic / lab, and medicine. The amount of costs incurred are usually determined by the maximum limit for each component per visit / per year and the maximum frequency of visits in one year. Restrictions can also be enforced by requiring a GP referral before a visit to a specialist, or the coverage is only provided if the health services performed by service providers (providers) are registered.

Outpatient care insurance is usually only given to participants to the benefits of group insurance and hospitalization insurance extra. (In other words, can not be purchased by individuals and should be one with hospitalization insurance).

2. Inpatient

Hospitalization insurance to cover hospitalization costs in the hospital, which covers the cost of room, physician services, drugs, laboratory / diagnostic support, surgery, etc.. Classification of hospitalization insurance is usually done on the basis of class rooms, for example, from the lowest class of room (class III) to VIP or VVIP. For each grade group, there are maximum limits are covered by insurance for the cost of treatment rooms, the cost of medicine, surgery, etc.. The cost of the surgery itself will still be divided on the basis of minor, moderate or major. So, for example, people who have hospitalization insurance will have a maximum class III major operating cost is much lower than those VIP class.

Hospitalization insurance can be purchased in sets or individually. Special insurance for individuals, we can choose the correct type of insurance is replacement or allowance. Insurance reimbursement (indemnity insurance) is insurance that provides replacement cost we spend according to hospital bills. Insurance benefits (cash plan) provides a certain amount of revenue allowances for each day in the hospital, no matter what the actual costs we incur.

3. Maternity Insurance (Maternity)

Gave birth to bear the cost of health insurance during labor and usually only given to a group of women of childbearing age with a certain minimum number of membership. When you're pregnant, you will not be registered as participants of the insurance delivery. You also can not buy insurance as individuals give birth.

Benefits insurance differentiated between the benefits of giving birth to a cesarean section and normal delivery. The maximum amount of costs incurred for both different and depends on the amount of premiums paid.

4. Dental Insurance

Dental insurance cover the cost of routine dental treatment and surgery that are not cosmetic. Characteristics of dental insurance as an outpatient insurance benefits where limits are sorted based on the cost of doctors, medicines, and other services.

5. Glasses Insurance

Insurance cover the cost of eyeglasses glasses, lenses and frames. Usually, insurers will limit the frequency of replacement glasses in a single period of coverage, only the lens only, or just the frame alone.

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INSURANCE

Health Insurance will provide reimbursement based on the invoice receipt and a maximum of Medical Expenses Compensation Table in health insurance policy. Health Insurance Claims can be done with Cross Benefit, which is done on the benefits of Difference Claims already paid insurance to other insurance companies using copy files that have been legalized by the previous insurance. There is a very comprehensive benefits: Inpatient, Outpatient, Maternity Care, Dental Care, and Glass Eye Care.

Health Benefit will provide reimbursement based on the amount of the contract which is planned per each day of hospitalization.. Health Benefits of this can be done Double Benefit, which is double the claim to more than one insurance company to the benefit of each intact. This can also be defined as compensation to the replacement of lost income per day due to risk of hospitalization due to Illness or Accident. The program is a RIDER (Insurance extra) in Unit Link Life Insurance Program.

IMPORTANT:

Why Health Insurance is separated out by the Life Insurance (Unit Link)?

1. Inflation unpredictable. Inflation can occur very high on the cost of doctors, hospitals and drug prices obatannya, where it can not be predicted or calculated in advance, let alone to plan decades ahead. So the insurance company separate them, if later there are insurance costs because of inflation adjustments, it will not change the balance of Unit Linked illustration that we have agreed on early. This will give a sense of security is much better and do not affect each other on each plan.

2. Claim Health insurance is very high, so that the customer requires a commitment of more intensive assistance. When the service agent assistance and / or the company's commitment is not in line with expectations at the beginning, then buy a separate policy would provide a much better flexibility to conduct the evaluation.

There are several insurance companies that have a sisitem called Health Care Management Systems,

a. Pre Authorization to ensure patients are participants who are still in health insurance policy coverage and benefits provided in accordance with the Plan Benefit in the policy.

b. Quality Management Services to establish conditions for all hospital services and routinely conduct audits of the quality of services received by participants.

c. Service 24 hours / 365 days to the call center system that is ready to provide assistance and complaints in a consistent and professional participants.