Ford Prepare All New Wild Track Ranger in BIMS

Ford Ranger Wild Track one mascot in the Bangkok International Motor Show 2011

BANGKOK - Ford Motor Company is ready to launch the All New Ranger in the arena of Bangkok International Motor Show (BIMS) the 32nd at Impact Arena, Muang Thong Thani, 25 March-4 April 2010. Not only that, Ford was determined to present an attractive exhibition stand, creating a memorable experience for visitors and most interactive South-East Asia.

Because the domestic launch of the new Ranger is a white elephant Ford's production base in ASEAN and the vehicle will be exported to 180 countries in the world, including Indonesia. Mass production of its own new begins and end of this year. In addition to the new Ranger, Ford booth will feature several leading models like the Fiesta, new Focus with special equipment, Everest and Ford Ranger Wild Track edition.

Ford is also preparing a variety of exciting entertainment and interactive display so it can suck up 1.5 million (estimate) BIMS visitors. Some facilities are created, presenter robots, 3D mini theater, driving simulators for a new Ranger, video games safe driving Driving Skills for Life virtual, and challenge the ability of personal interactive attraction.

Peter Fleet, Ford's president of the ASEAN in an official statement received said that Ford set up all the resources for this exhibition and show how important the Ranger as a mainstay business. "ASEAN, with Thailand as a center of production is the main target in our growth strategy in Asia Pacific and Africa. Thus, the use of BIMS to introduce our new global Ranger is a natural thing,"said Fleet.

"Stand Ford's automotive exhibition reflects our global presence and strategy held in some of the largest automotive industry exhibition in the world. This includes a number of our global asset - the game and advanced display and interactive exhibits that are very popular in the automotive, from Detroit, Shanghai to Geneva, "Said Saroj Kitafeungfoo, Vice President, Marketing, Sales and Service, Ford Thailand.

New X3 xDrive Ready to Challenge Q5

New BMW X3 xDrive emerged with new face, which is a combination of strength and elegance. Compared with its predecessor, the X3 is more worthy of representing New xDrive BMW name, as one of the top automobile manufacturers.

In terms of figures, the new X3 is not much had changed, but when scrutinized section by section, it appears that the new X3 is more sporty and elegant than its predecessor. The interior also worked better, so reinforces presence as one of the X3 sport utility vehicle (SUV) of BMW's compact.

The X3 35i's interior car bearing the engine with a capacity of 3.0 liter (2979 cc), line 6-cylinder, 24 valves (4 valves per cylinder), dominated by leather and equipped with wooden ornaments.

Machines that carried X3 xDrive 35i and strengthened Twin Power Turbo 306 that produce maximum power at 5800 rpm PK and maximum torque of 400 Nm at 1200-5000 rpm. That makes the X3 xDrive 35i as one of the most powerful SUV in its segment strength, which is occupied together with the Audi Q5.

With power and torque of that, very easy to drive X3 xDrive 35i and leave the other cars far behind. The engine is very responsive. By doing a kick down (stepping on the gas pedal in-in), X3 xDrive New fast track direct to the speedometer needle shows the speed of 100 kilometers (km) per hour.

Audi Q5

Speed ​​of 100 km per hour from the stop position, achieved in 5.7 seconds. Quite good for an SUV. The change gears going to be smooth, given the X3 xDrive New uses automatic gearbox with 8 levels of speed. Maximum speed X3 xDrive 35i is 245 km per hour.

X3 xDrive 35i the abundant resources that make it very fun to drive and invited to maneuver. Traction (wheel tread to road surface) is also quite prominent thanks to the use of four-wheel drive system xDrive. The suspension is sturdy enough to guarantee stability, but not to reduce comfort.

Special Functions

The most special, X3 xDrive 35i is equipped with the function-way stop automatic (auto start-stop function). When stepped on the brake pedal and hold for a long time as the car stopped at traffic lights, the engine automatically stops. When the brake pedal is released, the engine will turn on again. If the auto hold function is activated, the new machine will light up when stepped on the gas pedal. Given if the auto hold function is activated, the car will remain stopped even if the foot is removed from the brake pedal. New braking will be removed if stepped on the gas pedal.

Interior of X3

The system will only work if the function key-way stop automatic start up, and after the car runs with a speed of 40 km per hour. Thus, if a car drove at top speed of 40 km per hour and braking at traffic lights, a function that will detect the stamping on the brake pedal. If you continue to step on the brake pedal, the engine is automatically turned off immediately. However, conditioning (AC) remained alive with the help of electricity in the battery. Once stepped on the gas pedal, the engine will turn on again and the car moved forward.

This system will not work if stuck in traffic jams. Given the traffic congestion, the speed of the car does not exceed 40 km per hour. In addition, the system also detects the temperature outside the car. If the temperature is very hot and the air conditioner battery life with the help can not reach the desired temperature, then the machine will still be lit.

The function of automatic stop-road fuel consumption lowered. To travel 100 km, X3 xDrive 35i requires only 8.8 liters of fuel or about 12 kilometers per liter.

Along with the X3 xDrive 35i, also tried X3 xDrive 20d. X3 xDrive 20d bear the diesel engine with a capacity of 2.0 liter (1995 cc), 4 cylinder in line, 16 valves (4 valves per cylinder). Unlike the X3 xDrive 35i abundant power, the power generated 2.0-liter diesel engine is not too big. However, sufficient enough to make driving fun X3 xDrive 20d.

Protruding from the X3 xDrive 20d is its fuel consumption is quite frugal. To travel 100 km, X3 xDrive 20d consume only 5.6 liters of fuel or about 18 kilometers per liter.

And, do not worry, diesel engines that carried X3 xDrive 20d is a new generation diesel engines are clean and friendly environment. Equipped with common rail, diesel engines that carried X3 xDrive 20d quiet, minimal vibration, and no black smoke. (JL)

Toyota Avanza and Innova so Exclusive in Bangkok

Toyota Avanza 1.5 liter in the Bangkok Motor Show 2011 plus Exclusive name

BANGKOK - At Bangkok International Motor Show 2011, not only dominated by products from Japan, Thailand, Korea, China, Malaysia and Europe, there is also a car which came from Indonesia.

Participants who bring a car from are Toyota, Suzuki, Honda and Hyundai. Toyota to present two models that are very familiar with society, namely the Toyota Avanza and Innova. Special Avanza comes with a 1.5 liter engine. The name given was Avanza Exclusive. So with the Innova, Exclusive.

Meanwhile, the Bangkok Post said Suzuki will also make Eco Car in the country next year. Vehicles are the Swift with the production of 10 000 unit per year, 90 percent to call state market.

Items also come from Indonesia, namely Freed Honda product. But the Honda place it in the back. Other manufacturers displaying the car that Hyundai made ​​from Indonesian, South Korean manufacturers are showing off the H1 in considerable numbers.

In Bangkok, Innova's most lots are used as a taxi! Yes, all the small transport vehicles in Bangkok, including the typical state.

Apple Wireless World

Apple company, reportedly is working hard to perform synchronization between the iPod and iTunes, without using cables. This is a breakthrough for Apple to make wire and cable to be part of the past.

Steve Jobs seems to have a big obsession to create a new generation iPod that can wirelessly sync with iTunes. Sure, that way, the USB cable will become obsolete for iPod products. Thus quoted from cultofmac.com.

Instead of importing music, movies, and applications through Apple's 30-pin connector, then the iPod will automatically sync users often connect it to Wi-Fi network.

However, the way Apple is not as smooth as that. This technological breakthrough will meet a number of constraints means. Two of the biggest obstacles include time synchronization signal strength and battery consumption is exceptional.

To tackle the problem, Apple reportedly tested the iPod with carbon fiber material instead of aluminum, which is usually used on the iPod-Apple's previous iPod. Thus, it is expected to more stable signals.

Apple also took Kevin Kenney, a senior engineer with expertise in the field of carbon fiber. Previously, Kenney was a part of Apple and made ​​a number of patents for the company was driven by Steve Jobs.

No further information from Apple, about when the latest iPod will be released. In relation to materials used too, Apple has so far continued to do research.

Best Top 10 Auto Insurance 2011

This is a list of top 10 best of auto insurance 2011. The criteria used are:
1. Quote Option
2. Quote Option
3. Auto Insurance Policies Available
4. Discount avalaible
5. Policy Management
6. Claims Reporting

And the list is as follows:
10. AAA (American Automobile Association, )
AAA Insurance Background
The American Automobile Association was founded in 1902, when cars were just starting to become a part of American life. There were originally only 1,000 charter members, and this quickly grew to encompass different local and regional clubs under the AAA umbrella.

9. Allstate
Allstate was founded in 1931 as part of Sears, Roebuck and Co., and was spun off in 1993.[3] The company has its headquarters in Northfield Township, Illinois, near Northbrook.[4][5] Its current advertising campaign, in use since 2004, asks, "Are you in good hands?"

8. Liberty Mutual
The company, founded in 1912, offers a wide range of insurance products and services, including personal automobile, homeowners, workers compensation, commercial multiple peril, commercial automobile, general liability, global specialty, group disability, fire and surety.

7. State Farm
State Farm was founded in 1922 by retired farmer George J. Mecherle as a mutual automobile insurance company owned by its policyholders. The firm originally specialized in auto insurance for farmers. The company later expanded its services into other types of insurance, such as homeowners and life insurance, in addition to banking and financial services.

6. Farmers Insurance
Future Farmers co-founders John C. Tyler and Thomas E. Leavey first meet when Tyler moves to California.

5. USAA (United Services Automobile Association)
The organization was originally called the United States Army Automobile Association. In 1924, the name was changed to United Services Automobile Association, when members of other military services became eligible for membership. The company opened offices in Frankfurt, Germany, and London, England early in its history.

4. Nationwide
On December 17, 1925, the Ohio Farm Bureau Federation incorporated the Farm Bureau Mutual Automobile Insurance Company in Columbus, Ohio. At that time, Ohio law required 100 people to pledge to become policyholders. The first agents managed to recruit ten times that number, and on April 12, 1926, Farm Bureau Mutual started business with 1,000 policyholders.

3. Esurance
Esurance was founded in 1998 under the name of SiliconSierra Holdings Inc. Esurance launched its Web site and started writing personal auto insurance in December 1999.

2. Progressive
The company was co-founded in 1937 by Jack Green and Joe Lewis and is headquartered in Mayfield Village, Ohio.

1. GEICO
GEICO was founded in 1936 by Leo Goodwin and his wife Lillian to provide auto insurance directly to federal government employees and their families.[2] Since 1925, Goodwin had worked for USAA, an insurer which specialized in insuring only military personnel; he decided to start his own company after rising as far as a civilian could go in USAA's military-dominated hierarchy. Based on Goodwin's experience at USAA.

Riot Insurance

Within 4 days, the world public are served by current events of the riots that occurred in several regions in the UK, especially in London. Various issues and speculation was allegedly the cause of the riot from socioeconomic inequalities gap factor, the issue of race until the result of the impact of tightening state spending cuts that affected the pension fund. The riots has led some regions paralyzed and suffered severe damage, due to the riot was accompanied by looting stores that sell basic necessities.

Act of vandalism committed by the rioters and looters raises its own concerns for the UK economic conditions that are also experiencing economic pressures due to the impact of the threat of the credit crisis in Europe and the United States. Among practitioners in the field of UK insurance estimate that the impact rioting and looting have brought losses to reach 162 million dollars. Some things to be loss include the destruction of cars, houses and shops.

With so many buildings, homes and cars destroyed, the British insurance sector should be ready with a wave of the future insurance claims. The five largest insurance companies in the UK of which is Aviva Plc, Allianz SE, Axa SA, RSA Insurance Group PLC and Zurich Financial Services is expected to be busy to handle claims from customers. For the British public, filing a claim due to the riot situation is not a strange thing. The British government has set the type of filing this claim since the year 1886 that the location for the Riot (Damages) Act where the customer has a strong right to the filing insurance claims quickly.

Within 14 days from the occurrence of the riot, customers can take care of filing a claim through the insurance company to cooperate with the police as those who analyze the facts of damage. Condition is large enough claim also had occurred in 1985 which was in Tottenhm and Brixton the riot and looting also occurred due to racial conflict.

Opportunities increasing number of insurance claims is expected to occur following the widespread the riot that has now spread to areas of Birmingham, Bristol, Liverpool and Nottingham. British Prime Minister, David Cameron deeply regrets the occurrence of riots that have caused huge losses. But he was optimistic that little by little acts of vandalism occur at this time can be reduced. Today, the British parliament will call the government to discuss fastest solutions in dealing with the increasingly widespread the riot and military involvement opportunities will respond to assist the police in handling the riot.

Regulation Riot (Damages) Act which has been there since more than a century ago show progress in the UK financial sector which also have central bank (Bank of England) since 300 years ago. Completeness rules that will guarantee the consumer or user of insurance must provide comfort and certainty for the people whose assets are to be damaged by the riots in London and around it.

10 Tips to Become a Successful Insurance Agent

Insurance agent is a job that is a trend today. People who are not tied to a particular company, or who are looking for additional income, usually taking this job.

There are no special requirements to become an insurance agent. Everyone, whatever their background, can apply for work as an agent. All you need to do when doing this work is to implement the strategy, or system, which has given the company while training.

To become a successful insurance agent you need to apply the following tips:

1. Familiarize yourself with the field of insurance.
2. Continue to follow the development of the insurance world.
3. Unyielding.
4. Do not beat around the bush when describing a product.
5. Be a good friend to the customer.
6. Always industrious.
7. Be honest with customers.
8. Learn the proper way to sell products.
9. Get to know each insurance company's products have.
10. Ensuring the best for the customer.

U.S. Fighter Piloted Using a Mouse

Generally, to fly the latest hi-tech military aircraft, the pilot must have the ability and specialized knowledge of high order to maximize the ability of fighter that he was riding.

Later, unmanned systems have been freed from the obligation to drive the aircraft pilot and dangerous combat mission while the pilot with a certain ability should still be at the helm, though from a distance.

But it will soon be over. System of experimental aircraft that is being developed with the U.S. Navy Northrop Grumman X-47b which will not be steered by pilots from a distance. He was flown almost entirely automatically.

Human involvement is no longer using the remote cockpit, just only click on the mouse.

"X-47b will be piloted by humans in the cockpit is not long distance, but by 3.4 million lines of program code," said Janis Pamiljans, Northrop vice president who handles technology Unmanned Combat Air System Demonstration, as quoted by Wired, April 13, 2011.

Pamiljans mentioned, other functions can be handled by personnel who are not pilots because they only need to click the mouse once to start the engine, one click to boost the plane, one click to take off, and others.

However, according to Jaime Engdahl, a naval aviator pilot captain stated, there is one thing that needs to be studied further the plane landed on the aircraft carrier that was sailing in the sea. "The landing is very special and very specific. For that automatic aspects of this aircraft must be adapted to every condition," he said.

Another thing that also needs to be tested in depth is about weapons. For information, the aircraft is capable of carrying a weapon with a weight of up to 2.25 tons. In fact, according to Engdahl, the aircraft using the autopilot for 100 percent of the duration of the flight.

Insurance Education

Having children is the most important things in your life, so you should have your child plan for the future since he has not even come into the world....^^

Insurance Education  is One thing that you should prepare for the future of your children is education, and education insurance (which you need some tips on choosing insurance education) is one of the things that can help you deal with your child's education expenses. Education costs are rising up from day to day. You remember how much your school costs when you are still elementary school, junior high school, or college; you compare the cost of school at the time and costs entered elementary school at this time. Perhaps, the number of lifetime cost of your education is much cheaper than the cost of entry primary school, junior high or high school your child at the time.

Therefore, insurance education is the only insurance that can save you from the financial cost of education is increasingly rising. Because out there there are many types of insurance education and insurance companies that offer insurance, you may need some tips on choosing insurance education. With tips on choosing insurance education, you will not go wrong in choosing the type of insurance education and insurance companies. With some 1 (to be described by this article), you would know the correct type of insurance suitable for your education, as well as the right insurance company and trusted. In fact, you need some tips on choosing insurance education and choosing an insurance company, because there may be hundreds of insurance companies out there, and not all offer good service and reasonable prices.

Here are some tips on choosing insurance education you should apply, so you make the right decisions about insurance suitable education for your child; you'll also get to choose the right insurance company of the following tips on choosing insurance this education. Tips on choosing the first education insurance is that you must determine the length of your child's education, which was key in choosing the type of insurance education. There are various types of insurance that you can choose education, education and insurance type was classified according to the planned period of education will be pursued. Once you have established a period of your child's education, tips on selecting the next education insurance is that you have to find a good insurance company and can be trusted.

Almost all the tips on choosing insurance education will mention that the company's insurance provider will determine the quality of education and education of insurance services that will earn you and your child. The tips on choosing insurance education and insurance companies is that you should look for references to reliable insurance companies, which will be found in educational magazines, articles education insurance, and other sources. Finally, tips on choosing insurance education you should apply are set aside some monthly expenses to pay for insurance your child's education. Actually, you can get many other tips on choosing insurance education in cyberspace, because there are many insurance companies online that provide reviews, so you know the right insurance suitable education for your child's future

Vehicle Insurance Claim Procedures

The process of filing insurance claims and the process overall vehicle is quite simple. You simply fill out the claim that there are reports and complete the required documentation, then our team will further analyze the claim in accordance with the conditions of the existing coverage.
Here's an explanation of the process of insurance claims Vehicle:

     * Report the losses you have experienced a maximum of 5 working days from the occurrence of losses. Reporting a claim you can do via :

• Report to your Insurance Broker

•  Contact your service offices Insurance Products

•  Come directly to the nearest branch office

     * Prepare reporting documents in accordance with the type of loss you are experiencing
     * Some types of claims require the survey of the objects insured. It is intended to have a clear cause of the loss and as the estimated total losses suffered by customers
     * The process of restitution made ??in accordance with the types of losses.

Sensing Reliability of BMW X3 xDrive 20d

Luxurious Impression

Problem, luxury, can not be denied. To set the driver's seat, done only by pressing a button. As for the engine, press the foot brake pedal, push the button "Start / Stop" with your left hand behind the wheel, the engine instantly start.

For new owners, who need to be studied is the operation of the "P" parking, and "Auto-Hold". Moreover, habitual use of a car with the handbrake lever on the center console model. In X3, the parking brake is operated via the buttons at the top of the transmission rod ("shifters") and the "P" others in the center console box.

One more button in this section is "Auto H (old) function to keep the vehicle does not move or stay put even though the transmission is in the" D ". The condition is also very helpful when stopped at the ramp because, X3 is also equipped with" Hill Descent Control. " For the road again, just hit the gas pedal. Very fun!

Luxurious interior! Seat and the inside is coated (trim) with a comfortable leather occupied. Incidentally xDrive 35i is trying its interior (including seats) bright orange, red brown (red brown). This version also comes with a glass-roof.

Great Power

For the measures of speeding, X3 xDrive35i petrol or very fit. Power and torque it produces very large. Starting from low rpm to above, obtained hold. If you want to precede the other vehicle, just press the gas pedal deeper. No more large body impression.

A fierce tug engine though, make us like drive a small car. Once the gas pedal is pressed further in quickly - the transmission remains in "D" - was once the sensation of a very powerful pull of the machine.

Comfort

For the convenience is very steady. In addition, when asked to cornering or turning at high speed, feels stable. All thanks to features such as Cornering Brake Control and traction system. Once when turning or moving lane, though his posture is quite high, but the X3 is able to maneuver with a steady and convincing!

Infotainment system, mainly touched Blue tooth connection with the iPod Touch and Android smart phone. All went well! Brake is also okay! Although pressed a little, feel directly work!

Start-Stop

During the trip, especially in the city, note the system "Start & Stop" when operated (the system can be turned off). After driving at speeds above 10 miles / hours, and then stops, in seconds, the engine died instantly! For this, there is also a sign on the instrument panel. This condition can be felt by the driver. For the road, drivers need not bother, just press the gas pedal! X3 direct drive!

Fuel Consumption

During the trip had also noted the fuel consumption. Understandably this car already equipped with the readers of fuel consumption made is calculated by miles / liter. 

Health Insurance Development Strategy

In general, local and central government does not have adequate funds or does not give priority health financing. It can be seen from the small budget the health sector at national and regional levels, so the productivity of the population is still very low.

The strategy now should be within the law that applies, if it is still recognized, and the fact remains, that Indonesia is still the Homeland.

That is, policies that can be taken at this region, where the national policy of health insurance is still a legal product, then the health insurance expansion efforts in the area is still restricted by applicable law corridor. That is, the attempt to manage their own health insurance such as civil servants are not in accordance with applicable law corridor now. Likewise, require private employees as opposed to the Social Security regulations are inconsistent with the existing legal framework.

However, if the region wants to expand coverage or improve service quality by negotiating with Askes for example, can be done. Regions can work within the scope of their authority: mobilizing local social health insurance as part of the preparation of a national system. Cooperative members, the elderly population, and encourage private employees / government who are not civil servants can be included in the guarantee system. However, when there are national policies later, the organizers must be prepared merged entity in accordance with applicable legislation.

If the above strategies will be done, should be borne security package begins with a service that is essential / vital but bear its own weight. 

The principle of mutual aid / insurance is the same weight bear. Hospitalization, surgery, expensive treatments, and intensive care services is an area in need of health insurance mechanisms. This limited warranty packages that will be more easily adapted to extend warranty to a comprehensive package rather than vice versa. Security package that will be set at the central level will not be more than comprehensive. With this strategy, the region can resolve the health problems that become heavy burden citizens without having to have difficulty adapting to regulations to be born later. In addition, packages bear a limited guarantee will be more perceived benefits and required a much cheaper cost.

Moral hazard factor and management are two important factors to be considered in conducting warranty. Be aware that traditional health insurance that provides replacement cost (reimbursement) will invite moral hazard is high despite the guarantees provided only inpatient care or catastrophic cases. Conversely, if the assurance given in the form of service, then the moral hazard becomes more easily localized than provide a comprehensive guarantee. Therefore the management of this limited warranty will be much easier and more resolved. If this strategy is applied to compulsory insurance temporary (pending the Act), then the two major threats failure insurance (adverse selection and moral hazard) have been overcome.

Biona, Wood Futuristic Motorcycle

This is another creative and unique motorcycle designers to imagine the future. Shadow, motorcycles are made from iron, wood and rubber. Amazingly, to spur use of electricity and is targeted to become the vehicle of the city. All of that is a picture of a designer from Spain, Jordi Poblet Pedrol and naming his works with Biona.

The shape is unique, memorable motorcycle light, compact and high-tech. Frame is made of mild steel and mated with the timber on the seat, airscoop front, to the gutter. Battery storage space under the seat.

The main purpose of presenting this concept motorcycle, to inspire, though it would be difficult to realize. The designers continue to strive through the boundaries of human imagination and create a unique and tight considered. To Biona, Jordi show the world new perception electric motorcycle.

Interestingly, some of the questions posed Jordi in Bonia illustrate the design is, "What do we need a big plastic partition? What do we need a heavy weight that? What do we need the same design for a motorcycle? Biona Project was created to answer that question, build a new perspective on a motorcycle, "said Jordi.

Insurance Brokers

Insurance Brokers is a legal entity formed to meet the needs of the community who can assist them in purchasing insurance products and assist in the event of a claim, where the insured is very common with the conditions and terms of insurance policies and on the other parties insurance company is very understanding.

So the government feels the need to establish through regulation of Brokers Insurance Act No. 2 in 1992, with the aim of protecting the public interest. The function and role of broker in the rest of the world is highly developed and almost all insurance transactions through a broker.

Insurance Broker or Broker, formed in the body of law and must have permission from the Ministry of Finance with the requirements are quite strict and clearly regulated in Law no. 2 1992, Government Regulation no. 73 in 1992 and the Decree of the Minister of Finance R.I. No. 226/KMK.0171993.

Role Of Insurance Brokers

Insurance Brokers task is not completed at the closing of an insurance contract has been made between the Insured and the Insurer, but the Insurance Brokers will continue to perform his duties for insurance contracts running and even after the contract expired in terms of insurance claims arising out unfinished. This can be seen from the tasks of the agency against the insured which are as follows:

• Conduct risk identification and reduction efforts, elimination and avoid risk.
• Insurance contract to design the most suitable and most competitive in accordance with the needs of the insured,
• Insurer Selection safe.
• Insurance premium rates negotiated by the insured.
• Doing claim management services, program administration and inspection during the policy runs the risk
• Negotiates claims on behalf of the insured.
• Research and administration of insurance
• Giving advice risk management and risk prevention (as option generally with charge)

Insurance brokers do not charge for his services but earn brokerage or commission from the Insurer receiving the risks placed.

Mortality Insurance Cases

In the case of death insurance, applicants are asked to enter their health data, with or without prior medical examination, which will be used as initial data the health of participants. A life insurance policy are generally imposed as a condition of certain provisions, limitations and exclusions of coverage. Dishonesty in men
nutritional preliminary data, which means certain death is an exception 

(in the case of life insurance),

insurance cases death is not a requirement (in case of accident insurance), forgery or falsification of death causes heirs, and falsification of identity insured, are part of the reason that could lead to insurance claims can not be a particular insurance case.

Death insurance participants who have health data "normal" or have a total coverage of the "big" and then suddenly died shortly after the close of insurance is usually a decent insurance cases studied (Suspicious death or contestable death claims). Suspicions of fraud (fraud) or abuse (misuse) became stronger when the cause of death turns out to be a fatal disease which has chronic / chronic, or the cause of death leads to the intent.

In the settlement of claims against an insurance case of death, there are 3 important things that must be considered, namely

• the closure of an insurance policy to the insured's death, 
• death of the insured, and 
• evidence that properly insured has died.

Facts show that the death certificate quite easily obtained by the absence of provisions in Indonesia which regulates the obligation of examination bodies for the purposes of death certification and the absence of specific agencies authorized to issue death certificates.

Forensic autopsy examination should be performed to obtain a definite cause of death will be the case the insurance, which can then bring to a conclusion about the manner of his death - whether there is the element of intent.

7 Reasons to Choose Insurance Islamic Education

Prepare for the future of education your baby with the planning of education funding through the insurance fund Islamic education. Why Islamic education insurance?

Here are some reasons why we should choose Islamic education insurance :

• Illustration Takaful sufficiently detailed and transparent, so as to provide confidence and clear information to prospective customers how the funds are managed, including all costs and benefits to be received.

• Cash savings are substantial participants in the first year because of Takaful wearing only a small management fee.

• There are no additional costs or deductions other than those already mentioned in the illustration of any condition participants would be, for example, breaking a contract in the first year.

• Takaful carefully managed and supervised by the supervisory board of management of sharia. There are no management activities that contain usury, gambling, and so on.

• If the participant dies destined, then heirs (wife / husband and children) not only gets the sum assured, but also the stages of school funding and scholarships each year from kindergarten to college.

• There is a premium-free period. Participants do not need to continue to pay premiums, but the child will still receive the scholarship while in college.

• Takaful Agents trustful and professional as possible will give good service because it does not solely work for material gain, but well worth the worship.

Health Insurance Program in Indonesia

Health Insurance in Indonesia and in general do not change the costs of health care such as health checkups or purchase vitamins. Which is usually replaced are the costs of care and treatment.

Health insurance is insurance that provides reimbursement of health costs. Make no mistake, which includes health costs there are actually three 

•  Health maintenance, such as health checkups, health food and vitamin purchases.

•  Treatment, if you experience pain, so have to spend money for doctors or inpatient at the hospital, and surgery (Hospitalizations, Outpatient, Surgery).

•  Treatment, if you get sick and have to buy medicine.

There is a Health Insurance program which offers a replacement only, such as Critical Illness only. There is also reimburse the cost of inpatient or medicine, but there are also complete with a replacement if you are having surgery. There are so many variations.

Own health insurance premiums are usually paid once a year. Premiums are usually well adapted to your age. The older the age you are, the more expensive the premiums you pay. This is natural, the older age of a person, the greater the statistics you are experiencing health problems and should be treated for pain. As a result, when you've joined Health Insurance at age 65 years, for example, usually the insurance company will refuse your participation. This is because the risk he had to bear huge. Different from when you were 25 years old, for example. In fact, you need health insurance to reimburse your expenses if you get sick.

Life Insurance

Definition of Life Insurance
Life insurance is the definition of a transfer of risk (Risk Shifting) for the financial loss (financial loss) by the Insured to the Insurer. Risks that are delegated by the Insured to the Insurer is not the risk of loss of one's soul, but the financial losses as a result of the loss of one's soul, or because of old age so it is not productive anymore.

Concept of Risk
The economic value of the life of a head of household (the breadwinner) is equal to earnings capacity. If the economic value of the life of a family head is lost or reduced, then that will suffer directly is the loss of his relatives. The risk of loss of income is to be borne by the families left behind.
 

To reduce these risks in modern times has been taken one way to assign or delegate the risk to others, in this case the Insurance Institute which specializes efforts in this area as a profession. The delegation of the risk is more popular is called "buying a life insurance policy".

Types of risk to insured
Throughout human life is always confronted with the possibility of occurrence of events that can lead to lost or reduced its economic value. This resulted in harm to themselves and their families or other interested person. In other words, human beings always face the events that would pose risks as follows;

• Dead (death) either naturally (natural death) and died at a young age due to illness, accidents (accidental death) and others. Each person would have died, although not sure when it will happen. The death of a breadwinner will result in loss of income sources for the interested. Therefore required financial guarantee within a specified period during which abandoned have not been able to adjust to new conditions.
• Disability agencies (disability) due to illness or accident. As a result of illness or accident, a person is physically or mentally unable to work while thus affecting earnings. Whereas if a person suffers total and permanent disability, they can not work at all.
• Critical illnessCritical illness can come at any time regardless of age, whether a person is young or old. Critical illness can not be known when the arrival and can not be known with certainty.
• Old age (old age) / Retirement. Old days of events will inevitably occur, but how long it lasts the life of the old days, can not be known with certainty.
• Education. The development of the education the longer the better. The cost of a child who will continue the longer education even more expensive. Parents should be able to anticipate the development of the education very seriously, because the cost of education today and ten years would have been much different peningkatanya.

The types of life insurance policies
Of the various types of life insurance available today, there are basically three types of life insurance;

• Term life insurance (Term Insurance). Is a life insurance contract where the sum assured is paid only if death occurs within the period of insurance coverage period is still valid. Term Insurance is the simplest form of insurance and the elderly. This type of insurance is sometimes referred to as temporary insurance, according to insurance. The amount of premiums on insurance is also the cheapest compared with life insurance and life insurance Dwiguna.

• Lifetime Life Insurance (Whole Life Insurance).  Life for life insurance is designed to provide lifelong protection as long as he keeps the Insured the policy remains active with her policy through premium payments. In addition to death protection, policy in also provides a savings element which is known as cash value that arises because premiums remain.

• Life Insurance Dwiguna. This insurance is comprised of two elements, namely protection of life and savings. Mental Protection provides death protection. Savings on the insurance element is higher so appropriate for the purpose of saving money. With the savings element  higher than the Insurance Term Life Insurance and Life long

•  Life Insurance Unit-link. In addition to the above three types of policies or also called the traditional policy, the life insurance business insurance policy is also known Unit link. Unit-link life insurance policies combine insurance with investment components. This policy provides life insurance policyholder protection as well as the opportunity to participate in investments managed by insurance companies. Funds placed in the product cut for insurance coverage and the remainder is invested in units of the fund concerned.

The purpose of this policy is to invest. By linking the investment policy unit-link with the performance of a fund, the policyholder has the potential to get higher investment returns than traditional policies. Investment risk entirely the responsibility of the policyholder and the possibility of policy values ??may fall. So, even though the potential policyholder investment returns greater than a traditional policy, investment risks are also great.a

Best Heath Insurance Vs. Good Health Insurance

Health insurance is a type of insurance product that specifically guarantee the cost of health insurance or care of the members if they fall ill or have an accident. Broadly speaking there are two types of treatment offered by insurance companies, namely hospitalization (in-patient treatment) and outpatient (out-patient treatment).

Products held either by health insurance company social insurance, life insurance companies, and insurance companies are also common.

Many health insurance companies that claim their products are the best health insurance, so confuse lay people. The question is, of all the best insurance products that, where health insurance is good for you?

Not many people have insurance awareness let alone think of to protect the health of family members

(family insurance).

There are three things more important than just the benefits of inpatient / road course, you need to look at and be a consideration in choosing a good health insurance, three important things are in general not all life insurance companies / health dared to bear, the important things that is ...

• Critical illness cover
• Total Permanent Disability Cover
• Period of Protection

Valve seat belts for kids

Dearborn - Ford unremitting doing technology development, especially for the safety of drivers, passengers to pedestrians. Now, one of America's giant car manufacturers are developing an air bag (airbag) and seat belts for children.

What is the greatness of two safety devices such? Special seat belts when the accident occurred to bubbling, though not great.

Ford already have the test, although the computer simulation produced can not be separated from the validation process for the Ford equipment. This technology allows to be part of the company's testing facilities to accommodate and understand the safety of children is more detailed and effective.

In the simulation of the accident, which became research from Ford is the variable child's body, such as strength and structural properties, muscle and bone. Aspects of this specification who became principal in a computer-generated simulation of the car so the results can be assessed.

Ford Research & Advanced Engineering Dr. Steve Rouhana said, life is very important in the safety car because he did not interact normally with a seat belt. "The body of a child is very different from adults. On the basis of the child as a test model is helpful to design a better system of protection," said Rouhana.

Only, he added, this technology takes a few more years to its development up to the perfect level.

Unit-linked Life Insurance

Life insurance is a unit-linked life insurance products that are hybrids. Therefore, providing two benefits at once, the protective benefits of life insurance benefits and the benefits of investment in the form of cash value.

The insurance benefits are contained in a link unit is not different from the protection given type of traditional life insurance, the death benefits, benefits health benefits, and other benefits according to the selected program.

Special, unit-linked benefits from investment results that placed a premium on investment funds which are expressed in units The crisis that hit the market around the world, should not make giddy. But on the contrary, remained steady in managing strategies and activities including financial management in a variety of instruments, including instruments of long-term unit-linked insurance.

Benefits link units
Excellence Policy Unit-Link does not change, she delivers a wide range of flexibility for customers. For example unit-linked policies allow you to increase your investment funds into the policy,

Even some unit-linked insurance programs provide premium vacation facility for a certain time, during which period allowed certain customers to not pay the insurance premiums without policy must fall. The benefits of this flexibility is also supported disclosure of information where the development funds and transactions are reported periodically.

The report includes a description at least the amount of the premium allocated to the protection and the premiums used to purchase units to be invested, the number of units held, the unit price at that time, the amount of funds currently under management and fees charged to policyholders through policyholder.

One of the special in unit-linked products are the choice of various types of managed funds provided by the company issuing life insurance. Completeness of the various types of funds is important, to be tailored to the investment objectives and risk profile of each customer. Risk profile refers to a tolerable level of risk, namely the readiness to bear you in a fluctuating level of investment risk.

Sharia law Health Insurance

Many who still doubt the health insurance law, including health insurance law sharia Sharia law health insurance is associated with its illegitimate or not if we want to register this health insurance. This is reasonable because so much of the info out there about the maze of health insurance law.
Some things about the health insurance law has been my review on insurance law page on this blog. This page is only as an adjunct since many who want to know more about health insurance laws.
Some things about the health insurance law has been my review on insurance law page on this blog. This page is only as an adjunct since many who want to know more about health insurance laws.

Islamic system of insurance at its core indeed have a fundamental difference with conventional ones, among others:

• The principle of Takaful contract is Takafuli (mutual assistance). Where the customer is the one helping the other customers who were experiencing difficulties. While conventional insurance contract is tadabuli (buying and selling between customer and company).
• Funds collected from customers' insurance companies (premiums) are invested according to sharia sharing system (mudaraba). While in conventional insurance, investments made in any sector fund with a system of interest.
• Premiums collected still treated as funds belonging to clients. The company only as a fiduciary to manage it. While in conventional insurance, the premium belongs to the company and the company who has full authority to establish funds management policy.
• If there is an affected participant, for payment of customer claims the funds deducted from the account tabarru (social funds) all participants who already Relax for the purposes of mutual assistance. While in conventional insurance, the claim payment funds taken from accounts held by the company.
• Investment profits divided between the customer as the owner of the funds with the company as manager, with the principle of revenue sharing. While in conventional insurance, the benefits become fully owned by the company. If there is no claim, customers do not get anything.
• The existence of the Sharia Supervisory Board in Islamic insurance company which is a must. The Council is instrumental in overseeing the management, products and investment policies in order to keep in line with Islamic law. As in conventional insurance, then it does not receive attention.

The reason why the claim is not paid

Below there are several reasons why an insurance claim is paid :

• Not included in clause (contract), for example: accidental death, but in fact the customer died of natural causes dies then the claim will not be paid
• Included in the exceptions, for example: some types of cancers such as skin cancer, prostate, etc. (each insurance company sets different types of cancer that can not be claimed. Or die for committing the crime, was also included in the exceptions
• Existing disease, if the diagnosis is known that the claim is filed due to illnesses that existed before the policy applies and is not listed in the policy, then the claim is not paid.
• The document is incomplete. Completeness of the documents required when a claim such as: medical certificate, the letter claims from customers themselves. Lack of any one document then the claim will not be paid.
• Still in the waiting period. Several types of claims such as critical illness, the hospital requires a waiting period (time after sunrise policy) between 30-365 days. If the disease that claimed the waiting period included in the claim not being paid.
• Policyholders in a state of lapse. Lapse, which means the policy is not active yet because of unpaid premiums due the insurance company will not pay claims filed.
• Claims filed later than the time specified. Usually, insurance companies set a deadline for claims between 30-60 days, later the claim would not be served.
• Claims filed due to the customer to commit a crime. For example: admission because he was beaten while stealing mass.
• Crime insurance, for example: accidentally cut his own finger to get reimbursement. Or heirs who commit crimes against the insured claims that considering the amount of money will be obtained.
• Being outside the contract territory. For example: in a written contract all the events that occurred in Indonesia, but in fact there are events outside of Indonesia then the claim will be rejected.

Seeing the many reasons for unpaid insurance claims, it is important for policyholders to study the contract carefully because every life insurance companies have different asuransi.

The Importance of Having Health Insurance

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, then the number of participants who took part individually or bigger so the risk of a claim can be evenly by all the individual within the group. The greater the number of groups or members within a single institution or company, it will lower the premium to be paid.

Health Insurance Benefits
Health insurance is a type of insurance that helps the availability of health insurance funds if participants develop health problems or illnesses. All the needs of seeing a doctor, stay (care) in hospitals, drug costs in the hospital until the operation, all that can be covered by insurance companies. Generally this type of treatment or programs that are available are the benefits of ambulatory (outpatient), benefit of inpatient care (inpatient), labor benefits and dental benefits.

In general, the benefits of ambulatory (outpatient) are covered by insurance companies is as consulting fees or general practitioner and specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In the outpatient benefits have maximum limits use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like the hospital costs, lab fees, delivery fees, the cost of emergency service (emergency). The benefits of preventive dental care, basic dental care, dental care complex, and the installation of dentures.

Third-care benefits, namely outpatient, maternity and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.

The amount of premium to be paid and the amount of value in health insurance is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary by the details of benefits also varies. Typically, insurance companies limit the amount of the total cost that can be used per year.

The system claims / reimbursement of health insurance

The system used by health insurance companies there are 2 ie the reimbursement system (reimbursement) or the system provider. With the reimbursement system, insurance participants have to spend money first to pay for treatment then can we claim or request a replacement to the insurer in which we become participants of insurance. With this system we are then free to choose a hospital anywhere, but certainly the maximum reimbursement has been determined in advance. That need to be our primary concern in making the claim is the completeness of letters of administration that became the main requirement for the reimbursement of expenses that we can be paid out by insurance companies. How quickly depends on the disbursement of claims services provided by insurance companies, but generally ranges from 7 working days.

For those who embrace the system provider, we do not need to spend money first. We only provided with health insurance membership card in order to obtain needed health care in a hospital or health clinic that we selected earlier based on a list of hospitals that work with the insurance company.

Choosing health insurance

What kind of health insurance that we need to look at and we choose? Here are some tips that may help us in choosing health insurance

• Principle carefully before buying. As a potential participant health insurance, we are entitled to get the right information, clear and honest about the terms / conditions stated in the insurance agreement. We should first read the instructions, information, and procedures are carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that it can make the right decisions. Given the usual clause or clauses written in small letters on the back of the agreement and use a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of the difference between our interpretation as a participant, or insured by the company insurer or the insurer.

• Choose the insurance companies are reliable and have good products and services. Try to compare with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premiums.

• If the company where we work do not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company. This will benefit because the premium paid would be lower if the collective, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group.

If we reflect for a moment then come sickness or accident is an event that often occur, although the timing is not predictable. Therefore, it needed a plan to prevent and resolve the issue carefully and wisely. The principle of "willing umbrella before it rains" can be done, one way to have health insurance. So hopefully useful

Artist Health Insurance

 East Java provincial government promised health insurance coverage on the artists so they can continue working until old age. This guarantee is important, considering the artist was instrumental in maintaining the cultural treasures.

  Government is obliged to keep the artists that can still work. It is they who can defend and preserve the culture of Indonesia, especially East Java, East Java Governor said while giving a rope compassion Soekarwo 300 artists in the East Java House of Culture and Tourism, East Java,

Concern and attention of East Java provincial government to provide health insurance to the artists came on the sidelines of the rise of Indonesia's claim of cultural property by foreigners. In fact, according to Soekarwo art is the identity of a nation.