Choosing the right insurance products is not a trivial matter. It takes precision and accuracy because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.
Owned health insurance is insurance should
pure health, not mixed with the investment. It is intended that the benefits higher. For example, reimbursement of expenses of hospitalization or surgery is greater.
According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Financial Planning Institute of Indonesia. Tri Djoko added, an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year an insurance company would not put another person in the program," he said.
Nearly 70 percent of Indonesia's population at its own cost of doctor or hospital. There are various reasons that people are still reluctant to take insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.
Everyone without exception should have health insurance that will guarantee the cost of health care or care when someone falls ill or have an accident. Moreover, although we have been keeping good health, diseases can come without warning. On the other hand, health care costs continue to rise.
To prevent losses due to insurance, there are some things to consider prospective customers, namely:
Owned health insurance is insurance should
pure health, not mixed with the investment. It is intended that the benefits higher. For example, reimbursement of expenses of hospitalization or surgery is greater.
According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Financial Planning Institute of Indonesia. Tri Djoko added, an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year an insurance company would not put another person in the program," he said.
Nearly 70 percent of Indonesia's population at its own cost of doctor or hospital. There are various reasons that people are still reluctant to take insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.
Everyone without exception should have health insurance that will guarantee the cost of health care or care when someone falls ill or have an accident. Moreover, although we have been keeping good health, diseases can come without warning. On the other hand, health care costs continue to rise.
To prevent losses due to insurance, there are some things to consider prospective customers, namely:
- It should be understood that the insurance premiums is an expense, not investment. In other words, our money will be lost if the period of the policy we are in good health.
- Ask your insurance agent for the detailed each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage includes outpatient services or inpatient only?
- Because of the cost, insurance buyers should ask friends or people who felt more aware about insurance. Not infrequently an explanation about the disease written in English so that it can cause the wrong meaning.
- Ask also about the claims procedure. More quick and easy claims process, the better kuliatas bureaucratic insurance companies concerned. That is why, notice that the insurance company track records will be selected.
- Tell the truth if you have a particular disease prior to the enactment of the policy.
Nice info..
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