What you should compare at each insurance company if the bid offered by more than one insurance company?
1. Reinsurance
Reinsurance can easily be interpreted as his insurance company insurance company. This means that insurance companies in operational activities; to reduce the risk that can happen to him, also insure that risk to other insurance companies. And usually larger company. So consider this, ask whether your insurance company will take a reinsurance company. This is important if there is something undesirable to the insurance company of your choice, there are other companies that had reinsurance companies that guarantee the continuity of both the protection of your rights and liabilities of your premium payments. It is also important you have to know the management company so if something happens, you can get the information and equipment.
2. Age
"The old age should be more mature person." Although it seems too cliche, but it must be admitted insurance company berpengaruh.Sebuah sufficient age older than the other companies could mean that the insurers have sufficient capital so that up to age high enough to exist. It also describes how to manage the fund management clients. With older age, may mean that the company is able to manage these funds optimally. Whether it's to get the results for corporate development and risk management measures to guarantee the rights of its customers. Because the logic, where maybe he can survive long if you can not manage finances well.
3. Finance
When talking about corporate finance, is not complete if you do not talk about finances. In banking we have been fairly common in the health measurement of a bank whose name CAR. And in ordinary its financial soundness of insurance is measured by RBC or Risk-Based Capital. RBC levels that could be considered healthy it is when RBC is greater than 120%. But of course, the bigger must be better. Compare this in choosing an insurance company because of this RBC portray how the company manages finances well and safely as possible. Because it must be remembered, if we take the insurance then we will talk about long-term contract.
4. Customer
The fourth thing that can be used as the reference is to the customer. Large Barapa's customer base they have? Its size is more and more customers the better is the insurance company. Why is that? because of the increasing number of customers will show how the level of service that has made the company. This can mean how concern for customers, ease of claims and of course the security of the entrusted funds.
If you would choose a foreign insurance companies operating in Indonesia, also asked how many local customers who owned and spread over how many of the city. This is important because it could have occurred despite a belief outside of their country, but in Indonesia they are lacking. And rate of spread also shows how the extent of the level of service they provide. Level of deployment is especially important for you to choose the health insurance. Because it's not funny when on the way to a city and you get sick, it must return to the home town for just a hospitalization.
5. Complaint / Complaint
In addition, maybe you can do this. Do always cross check to the foreign party to the plan of your choice. The main parties should contact the customer if you allow a third party who became a liaison misalnyabank or hospital if it is health insurance, and did not rule it's good you ask the financial planner you are independent. For it is better to receive input from many sides rather than from one side, especially if one side only of the company.
Or if you want easy, just look at how many customer complaints they made in the media in the last six months. Because usually the number of people who complain, about 20% is usually expressed in the media whether newspapers or the internet. Today I was typing the keyword insurance + complaints, so that I get is more than 5000 articles that contain the word insurance + complaints from consumers against their insurance companies. So do not be lazy to compare.
Finally, the same as the selection of goods or other services, you all should have a solid foundation in making a selection. Mainly, it is to always select the product that suits your needs. But that's not enough. Choose also the right company that provides goods or services. Although the provider of goods are good but not good also useless. So from now on, not again choose an insurance company just because the seller knows more than anything else because it felt bad for not buying. Minimal compared to five of the above as a reason to choose or reject it.
