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.