In a healthy condition, we often overlook the importance of maintaining health and often assume that the health of the body is normal and something that's for sure. This condition is frequently make us less vigilant and not ignore the importance of anticipation of the condition of our health in the future.
Health is the most important things that are important to us, because we are a great valuable asset when we still live in a healthy and productive condition. By the time someone died, he is no longer has a valuable asset. Especially for those who promote productivity and aggressiveness in the work.
How about you?
What happens if your health condition suddenly drops and you are experiencing pain? Obviously you cannot do normal activity in the working atmosphere of all the joy that you have will be gone instantly. That's why you must understand the importance of health insurance policy as your companion and family anticipate the risk of emergence of diseases that could come at any time.
Some Health Insurance Benefits
You certainly cannot imagine how much your financial expenditure whenever you need to stay in hospital for months. It's hard to imagine the financial burden due to the emergence of disease or accident. In fact, such events often is experienced by people around us, and we have the same risk with them.
Functionally, the health insurance policy is providing benefits and protection for your family when certain diseases appear in your life's journey. Health insurance will provide benefits for you, that bear some or all of the costs and losses that arise when your health condition is deteriorated due to a specific disease diagnose, or you have an accident, or you are unable to work due to some physical reason.
Huge maintenance costs can spend all the savings. Even if you have enough money to anticipate the kinds of unforeseen events, you must have a health insurance policy. Because health insurance policy will reduce the costs that must be out of your pocket due to the emergence of health problems or even accidents.
In many countries, there are many doctors, clinics or hospitals that are reluctant to accept patients who have no health insurance coverage. This means that health insurance policies is necessity that must be held so that one can easily visit the doctor, clinic, or hospital. The question is what is the type of health insurance policies to your needs? It all depends on who you want to gain the benefits.
Consult with your insurance agent because there is the possibility of terms has already used by each insurance company.
1. First, when you need health insurance policy that will pay all costs of health care when you are hospitalized, you need health insurance type of medical expense insurance
2. Second, when you need health insurance policy that will pay certain amount of money to you when you are hospitalized due to illness, you need a type of health insurance hospital cash plan
3. Third, if you concern about the huge cost burden when you are diagnosed with critical illnesses such as cancer and others. You need a type of health insurance critical illness insurance
4. Fourth, when you include individuals who need a replacement income when someday you cannot work due to prolonged illness, you need health insurance, disability income insurance type
5. Fifth, if you currently feel the need to prepare yourself so that your health insurance policy could eventually cover all medical expenses if an when you retire,You need a type of health insurance long term care insurance.
Thus a quick illustration of the benefits of various health insurance, waiting for my upcoming post for more detail, let's do it for Tomorrow Will Be Better.
Read more...
Sabtu, 11 September 2010
Tips for Choosing Good Insurance Company
What is the criteria of good insurance companies, which suits your needs?
Here are some tips you should learn before you decide to buy insurance,:
1. Company Financial Reports
Most of all you must know as a reference material is Finance Reports Loss / Insurance Corporate profits, it is very necessary to be a starting point to choose insurance. The indicator is the RBC (Risk Based Capital) or Solvability rate, or in terms of banking known as the CAR (Capital Adequat Ratio) Capital Adequacy Ratio.
A good insurance company must have at least 120 percent of RBC, RBC is advised to have above 200%, because it is more secure. Then look at the net equity (own capital divided by net premium). A good insurance should have a net equity above 50 percent and gross equity above 20 percent.
Check the quality of corporate earnings, how is trend of recent years? This determines the quality of underwriting company policy and do not forget to also check its operational cost.
Excessive operating expenses will erode corporate profits. Dig deeper information
2. Track Record and Management Company
After a concise list of choices while under financial reports to go on finding information about the insurance company.
We recommend you to select insurance companies that in the ranking of 10th in the world, however this is more secure because investment in insurance is for the long term. The bigger companies will be more secure for its customers.
Ask colleagues or family, research all over the internet. Pick a credible insurance agent and understand your insurance needs. Ask him to answer honestly what the advantages and disadvantages of products, company size and reputation and track record, reputation management company managers, and reinsurance conducted or its main reinsurer. Try to consider visiting an insurance company branches that you will choose. The atmosphere in the office will appear with a direct view of its branches.
3. Quality Service
Do a survey around you, asking the insurance company's service will be an option. Ask the detail how the procedures of claims handling, ease of any given case and whether the risk of later claims received as promised in the policy, and the quality of knowledge and ability in explaining the agents one at a clause / rules.
4. Calculate Your Protection Needs, and Make a Note
The next step is to calculate how much actual demand (target) protection, which is certainly different from one person to another. Insurance needs calculator, record the name and address of insurance, policy number, value death benefit, the beneficiary, the insurance agent's name and telephone, the policy effective date, and location of initial policy.
5. Choose Compatible Products
Although insurance companies are well chosen but if the type of policy purchased does not match any result in the payment of claims, thus it will not giving any benefit for your financial goals. So, make sure the selected type of insurance to fit your needs. Find an insurance provider that offers the cheapest product price for the protection you need. Consider carefully whether you should buy term life insurance (term), or whole life (endowment),
Do not buy because of the offer of premium discounts or other seductive, choose to buy insurance policies from agents who are educated and trained, and well known personally about the product. Research (products and insurance companies) before you buy! Make Sure Tomorrow Will Be Better.
Read more...
Here are some tips you should learn before you decide to buy insurance,:
1. Company Financial Reports
Most of all you must know as a reference material is Finance Reports Loss / Insurance Corporate profits, it is very necessary to be a starting point to choose insurance. The indicator is the RBC (Risk Based Capital) or Solvability rate, or in terms of banking known as the CAR (Capital Adequat Ratio) Capital Adequacy Ratio.
A good insurance company must have at least 120 percent of RBC, RBC is advised to have above 200%, because it is more secure. Then look at the net equity (own capital divided by net premium). A good insurance should have a net equity above 50 percent and gross equity above 20 percent.
Check the quality of corporate earnings, how is trend of recent years? This determines the quality of underwriting company policy and do not forget to also check its operational cost.
Excessive operating expenses will erode corporate profits. Dig deeper information
2. Track Record and Management Company
After a concise list of choices while under financial reports to go on finding information about the insurance company.
We recommend you to select insurance companies that in the ranking of 10th in the world, however this is more secure because investment in insurance is for the long term. The bigger companies will be more secure for its customers.
Ask colleagues or family, research all over the internet. Pick a credible insurance agent and understand your insurance needs. Ask him to answer honestly what the advantages and disadvantages of products, company size and reputation and track record, reputation management company managers, and reinsurance conducted or its main reinsurer. Try to consider visiting an insurance company branches that you will choose. The atmosphere in the office will appear with a direct view of its branches.
3. Quality Service
Do a survey around you, asking the insurance company's service will be an option. Ask the detail how the procedures of claims handling, ease of any given case and whether the risk of later claims received as promised in the policy, and the quality of knowledge and ability in explaining the agents one at a clause / rules.
4. Calculate Your Protection Needs, and Make a Note
The next step is to calculate how much actual demand (target) protection, which is certainly different from one person to another. Insurance needs calculator, record the name and address of insurance, policy number, value death benefit, the beneficiary, the insurance agent's name and telephone, the policy effective date, and location of initial policy.
5. Choose Compatible Products
Although insurance companies are well chosen but if the type of policy purchased does not match any result in the payment of claims, thus it will not giving any benefit for your financial goals. So, make sure the selected type of insurance to fit your needs. Find an insurance provider that offers the cheapest product price for the protection you need. Consider carefully whether you should buy term life insurance (term), or whole life (endowment),
Do not buy because of the offer of premium discounts or other seductive, choose to buy insurance policies from agents who are educated and trained, and well known personally about the product. Research (products and insurance companies) before you buy! Make Sure Tomorrow Will Be Better.
Read more...
Tomorrow will be better with Insurance
Have you been preparing your future to make it a better life ?
We can’t know about our destiny for the future, maybe it can be something bad or good for the future !
So, how do we prepare to make the best quality for our family ?
So how and what we prepare for a quality life for our descendants?
Does that mean we have to first new rich could prepare a better life in the future?
If it does, then your vision is wrong, because many people are now having a poor standard of living, but able to prepare a better quality of life compared to the rich.
For example, if you have a lot of savings deposits in the bank, then you are exposed to attacks of acute disease. who need serious medical treatment. Then automatically all your deposits will be exhausted in a flash for medical expenses.
What about your family? What's left? Yes, most likely you will only pass on debt!
Large losses will not be your experience if you're insured as a valuable asset. Because if this happen to you or your family, you just need to make a claim to the insurer. The risk that you have is moved to an insurance company, they must bear the risk, because you already pay premiums.
Insurance is the answer, yes it's true, only insurance that can move the risk of unfavorable, which later could happen to us.
You do not lose anything!
your claim is paid by your premiums and investments at the end of the period can still be retrieved.
Take action immediately, without delay, insure yourself and the family as an invaluable asset life given by God.
In this topic I invite you to learn three basic principles of insurance.
1. Man is an asset, because the value of human life is very expensive. Moreover for some successful people human values / assets should be protected.
2. Basically, insurance companies are a group of people who are working together to move the risk of the worst that could befall the human / asset.
3. The premiums we pay on insurance companies, is actually a form of long-term investment. Because the money that we pay can be taken back a few years later, when the premium payment period reach its completion.
3-4 days in the upcoming posts we will discuss again the same theme. Thank you for visiting my blog.
Your criticism and suggestions are greatly appreciated.
Read more...
We can’t know about our destiny for the future, maybe it can be something bad or good for the future !
So, how do we prepare to make the best quality for our family ?
So how and what we prepare for a quality life for our descendants?
Does that mean we have to first new rich could prepare a better life in the future?
If it does, then your vision is wrong, because many people are now having a poor standard of living, but able to prepare a better quality of life compared to the rich.
For example, if you have a lot of savings deposits in the bank, then you are exposed to attacks of acute disease. who need serious medical treatment. Then automatically all your deposits will be exhausted in a flash for medical expenses.
What about your family? What's left? Yes, most likely you will only pass on debt!
Large losses will not be your experience if you're insured as a valuable asset. Because if this happen to you or your family, you just need to make a claim to the insurer. The risk that you have is moved to an insurance company, they must bear the risk, because you already pay premiums.
Insurance is the answer, yes it's true, only insurance that can move the risk of unfavorable, which later could happen to us.
You do not lose anything!
your claim is paid by your premiums and investments at the end of the period can still be retrieved.
Take action immediately, without delay, insure yourself and the family as an invaluable asset life given by God.
In this topic I invite you to learn three basic principles of insurance.
1. Man is an asset, because the value of human life is very expensive. Moreover for some successful people human values / assets should be protected.
2. Basically, insurance companies are a group of people who are working together to move the risk of the worst that could befall the human / asset.
3. The premiums we pay on insurance companies, is actually a form of long-term investment. Because the money that we pay can be taken back a few years later, when the premium payment period reach its completion.
3-4 days in the upcoming posts we will discuss again the same theme. Thank you for visiting my blog.
Your criticism and suggestions are greatly appreciated.
Read more...
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