1. Identify Needs. Before deciding which insurance is selected, you should identify your needs. Do you need life insurance, health, pension fund or all three. If you have been married or have dependents, then you should have a life and health insurance. There are two health insurance options, namely public health insurance, dependents of all kinds of diseases, including delivery fees and health tests.
But, he does not bear a variety of specific diseases, such as breast cancer, cervix and so forth. If you are familiar with the patterns taken the vow healthy, and no family history who ever suffered from breast cancer, and the like, should select a gener
al health insurance. But if in your family history there has ever had breast cancer, uterine or the like, there's nothing wrong if you just in case. If in Office, you sudha insured, you should have one more insurance outside the office. Look for different benefits, so they can complement each other.
2. Premium magnitude. To become a member of the insurance, you must pay an amount of money called a premium to the insurance company. In addition to the amount, the premium can be paid with dollarAmerika. That way, the benefits you can get in rupiah or dollars. The amount of premium will determine the cost of coverage you will receive. The bigger the premium, the higher the value of coverage. Premiums are not paid only once a year, but there also could be repaid, for example two or three times a year. Even the current trends, some insurance premiums have implemented regular monthly payments with auto debit facility offers savings (of course the insurance companies have worked closely with a bank). Take the appropriate premium with your ability. Do not force yourself to take a big premium for insurance is essentially anticipatory in nature only. Keep the amount of premiums no more than 10% of your income.
3. Cheap Young Makin Makin. Age and risk affects the size of the premium amount to be paid, even though the insurance program that you take the same. The younger the age you are, the smaller the cost of premiums. The size of the premiums, as well as small and great views from tehadap risk of disease. Those who are at high risk, of course prmina greater than their healthy. To detect this, the insurance company will ask you to undergo medical tests prior sahulu.
4. Take The Shortest. If your body condition is good, healthy lifestyle, and rarely attacked by disease, should take short-term health insurance, such as 2-3 years, then extended again. Why? Because the premium you pay will have been sunk if you do not make a claim. If you take the short term, you certainly did not feel loss, if within that period you do not make a claim.
5. Reimbursement system. The replacement system, companies typically use a system of reimbursement asurasni (reimburesment), cash plan or provider. If the system reimburesment, you must pay all maintenance bisya first, then changed insurers. While the cash system plan, you will receive the cost of care per day in a number of past. For example, you receive care costs Rp 500,000 per day. Fairly or not, that you receive the replacement. Usually, replacement with reimburesement be greater than the cash plan. With reimburesment system or the cash plan, you are free to enter any hospital. As with the system providers. Here, you do not spend any money. You will only be supplied keaggotaan card in order to obtain needed medical services. Tentunay in a hospital or clinic you have chosen previously. In the system provider, you must specify the option you want sakin house on the list of hospitals that have been working with insurance companies tersebut.Pilihlah closest to your home location, and certainly the best. Let me go smoothly, the completeness of the letters of administration becomes imperative. Sometimes problems arise due to incomplete requirements needed. The duration tergantun disbursement claims with insurance companies, but generally ranges from 7 working days.
6. Link Units. If you want more than the insurance benefits, namely investment, take-called unit-linked insurance. This type of insurance, not just to cover health insurance, but also there are benefits of life insurance and investments. By purchasing this product, every year (if you pay a premium setap years), you'll be charged the same amount of premiums, where some will be invested (the longer the greater the portion of investment compared with protection) and some other protection, and other administrative costs . You can make a withdrawal and an increase in funding at any time and keep it running for insurance protection. For those of you who are single and in their productive age, and includes difficult to set aside funds for regular diinvestasilan. This type of insurance cunkum mengungugkan. By purchasing a link unit, you can get health coverage, the soul as well as invest in editorial.
3. Choosing an Insurance Company. Another thing is the credibility and reputation of insurance from insurance companies you want to buy the policy. What should you watch? The best way is to analyze the condition of the company through financial reports. Trouble is, not everyone can analyze the financial balance sheet. If you are not adept at reading balance sheets, the most easy and safe is to ask friends or acquaintances, who know mengenahi reputation of certain insurance companies, especially those which have become policy holders. Alternatively, you can see the insurance company's rating from a magazine or newspaper. Because the rating is usually more independent and conducted by experts in their field.
