Insurance tips and tricks
Insurance is divided into two large groups: insurance industry In Indonesia is divided into two major groups, namely life insurance and general insurance aka insurance loss. Now serving the life insurance related to the death of a person.In other words, other risks not related to death then the risk of insurance losses. This then makes the misguided people and cause the wrong purchase with insurance they already have.
While insurance will protect any unprotected risk in life insurance. Some examples of insurance related financial losses such as family; health insurance (outpatient and inpatient), disability insurance (currently cannot yet stand on its own), insurance, disability, home insurance (property), vehicle insurance, and much more.
Health insurance doesn't have to be bought with life insurance: well due to not understanding the society in Indonesia about point # 1 above, which often happens is a mistake in buying insurance, especially health insurance. Remember your own health insurance there are 2 kinds namely health outpatient and inpatient care.
To outpatient health insurance is usually offered in the form of group insurance/group or the group (can be at least 10-15 people are subject to the insurance company). Well, when you purchase this insurance on its own (individual) then the premiums you pay to be relatively expensive.
While inpatient health insurance is most often bought by the community is the health insurance of hospitalization. Why so and where the location of the fault. First, health insurance general insurance sold by a rarely use the service person aka insurance agent looking for and go to its clients.
Most health insurance sold in the General insurance sold directly in their companies or pass through insurance broker. If anybody has an agent, the number of those few. It is inversely proportional from life insurance agents.
Life insurance companies sell their products instead of using the services of people per person then called an insurance agent. Well, this insurance agent who aggressively offering life insurance products. Then the location of the fault where?
Life insurance companies also offer health insurance but its shape as additional insurance or known by the term riders. When you buy health insurance here, inevitably you must also buy insurance within her, because health insurance here can not be purchased separately.
The question is whether you need insurance for his soul? Or do you already have a lot of life insurance policy? Many people unknowingly buy life insurance, even though the original purpose of want to buy health insurance. So it becomes redundant aka pay expensive products which in fact he does not need.
Buy Extra Insurance Though already got from the Office: when I fill the talkshow or seminar one frequently asked question is "do I have to purchase additional insurance, particularly health, although already had insurance from Office?" The answer of this question is depending on many things.
First, if health insurance covered by the Office you're protecting in full for all the claims without any restriction, limitation or is there a certain nominal. When already met extensively then buying additional insurance be make, though still recommended.
Second, If it turns out the insurance from work not covered in full, then buy extra insurance becomes a necessity.
The question is why keep buying insurance is recommended, even though it's only a choice. Well to answer the required explanation at length about understanding and Foundation of health insurance.
Its moral message is, insurance is a product that is important to be owned by everyone because insurance is one of the pillars of personal and family financial planning. It's just that this product has many tricks when don't we learn more details again you could be trapped, one of which resulted in a loss of insurance purchase both financially as well as time.
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