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.

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.

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.

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

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.

5 Step to Prepare Education Insurance

The cost of education today is becoming increasingly large. Therefore, education funding should be prepared well in advance rather than when a child going to school.
Families who already understand the family expenses and have usually been prepared financial planning education funding since the child was born.

 

There are a number of stages in preparing the education budget.

• First, determine the child's school. Families should know clearly the desired education for the children and adapted to the child's ability. Family can not force children to attend schools far above the standard value is the child's ability.
• Second, calculate the cost required for the education of children. Families should gather information on the costs required for the education of children. The fee includes tuition, cost of development, recreation fees, cost of books, as well as other costs.Inflation and interest rate
• Third, determine the inflation rate from now until the child goes to school even when the children were educated in the school. The inflation rate can be calculated using the current inflation rate assumption. When inflation is now too small, the estimated inflation rates must be raised. If this year we have 5 percent inflation, the family should raise the inflation rate around 6 percent to 7 percent.The government itself has a corresponding inflation expectations, moderate, and worst. Families also can ask the research institution or agency that issued the inflation, such as the Central Bureau of Statistics or economic experts, in order to get inflation numbers are valid and reliable for estimating the future.
• Fourth, do the calculations to the interest rate applicable in the future. Interest rates are predicted in the future can not be separated from the estimated inflation rate. The interest rate is a reflection of the prevailing inflation rate. Therefore, families must obtain a desired real interest rate the government every year. If the real interest rate that you want the government about 1 percent to 2 percent, as now, the prevailing interest rate is the result of the real interest rate with inflation. When inflation is 7 percent, interest rate of 8 percent to 9 percent.
• Fifth, determine the amount of savings made. When the funds needed have been determined and the amount of time to get to school children, the family can determine the amount of savings each month. For example, families need a fund of Rp 75 million, of which these funds are needed the next five years or 60 months, then the funds should be set aside from the family monthly income of Rp 1.25 million. That is, funds amounting to Rp 1.25 million savings is kept under the pillow, have not been bred through investment. When families make an investment, funds set aside will be smaller and very good when longer investing.

In the conduct of investment options, families can invest their own or place them on the investment manager and also combine it with insurance. When used its own investment, the investor requires knowledge of the investment and takes time. When deposited, the family must get the information more widely, both interest rates and banking conditions are concerned. All actions the family must contain risk and should be understood.

Insurance education
When families choose education insurance, it must realize that in addition to paying insurance premiums, the family also invested. Useful insurance premiums to pay for education expenses if the family could no longer pay the mortgage investment. This inability may be due to the insurer the premium can not work or died.

When families take out insurance, family expenditures for education fund savings will be greater. On the other hand, the family does not have a headache thinking about investments that will be done to achieve the desired educational funds. Future risks have been transferred to the family through the payment of insurance premiums. However, insurance is not required if the family know the exact health and uncertainty in the future. Families should know exactly the family's ability to be able to provide the education fund.

As described previously, in preparing this education fund, the family would face the risk, both risk tightening family expenses, investment risks, and risks the fund needs to swell because of the situation. Families must prepare themselves to face these risks by carefully watching the education fund.

Researching Insurance Policy

Below are some tips you can use to understand the policy that you have.

1. Make sure your contents insurance policy in accordance with which you agree in life insurance demand letter. This information can be found on the front page or a summary of the insurance policy. In this section, you can read the insurance product you buy, a large sum assured, start date coverage, the length of insurance period, large premium payment, also the name of the insured and the name of the policyholder.
2. Is there a clause "free look period." In the insurance policy with this clause, you as the policyholder by the insurance company given the opportunity to read the contents of the policy carefully. If the policy is issued is not to your liking, the policy can be returned to the insurer and the premium you have paid will be refunded.
3. Read Back the general provisions of the insurance policy carefully. In this section, you can read your rights and obligations as the holder of an insurance policy. For example, your obligation to pay the premium and what sanctions should be your responsibility due to late or unpaid premiums. The right to obtain insurance benefits when the insured risks.
   

• Also the rights and obligations of the insurer as the insurer. For example, company's obligation to pay claims filed by policyholders or beneficiaries. The company's right to enforce the automatic premium loan due to delays.
• There are also facilities free period or grace period. Free period given by the company to anticipate delays in payment of premiums. Insurance policy premiums are not paid after the due date for payment until the time limits freely, will still be covered if there is risk in that period. Long period of this flexibility is usually between 30 to 60 days.
• See also chapter on general provisions of the policy exclusions of this insurance. In part this exclusion, you can read some things that are excluded which resulted in unpaid benefits.
• Are there special provisions for the products you buy. Some insurance products have specific specifications that need to be set forth in a special provision. Suppose you purchase additional accident insurance products, special provisions for these products will be attached separately.
• Is a copy of the request life insurance attached. In general, a copy of this letter is attached in an insurance policy, because this life insurance demand letter is the basis for the issuance of insurance policies.

PT. ASURANSI MSIG INDONESIA (formerly known as PT. Asuransi Mitsui Sumitomo Indonesia) is a joint-venture company between Mitsui Sumitomo Insurance Co

PT. ASURANSI MSIG INDONESIA (formerly known as PT. Asuransi Mitsui Sumitomo Indonesia) is a joint-venture company between Mitsui Sumitomo Insurance Company Limited (established in Japan) and Mr. Rudy Wanandi
The history of the company started with the establishment of PT. Asuransi Insindo Taisho. Set up on 22 October 1975, PT. Asuransi Insindo Taisho has been in operation since 1 April 1976 At that� time ,� the statutory� capital� was
Rp.750 million. Seventy% of the shares was owned by Taisho Marine and Fire Insurance Co., Ltd,. while the remaining 30% was owned by PT. Maskapai Asuransi Indonesia.
On 1 April 1996, the Company name was changed to PT. Asuransi Mitsui Marine Indonesia, following its holding company name change from Taisho Marine and Fire Insurance Co., Ltd. to Mitsui Marine and Fire Insurance., Ltd.
As of 21 December 2001, the shareholding of PT. Asuransi Mitsui Marine Indonesia changed to 80% to the Japanese owners, and 20% Indonesian.
Since 1 April 2003, the Company name was changed from PT. Asuransi Mitsui Marine Indonesia to PT. ASURANSI MITSUI SUMITOMO INDONESIA. This followed its holding company name, and also by the transfer of the business portfolio of PT. Asuransi Sumitomo Marine and Pool to PT. Asuransi Mitsui Marine Indonesia.
On 30 June 2007, following the acquisition of AVIVA Group's general Insurance business in Asia by Mitsui Sumitomo Insurance Co, Ltd. Japan, PT. Asuransi Mitsui Sumitomo Indonesia received the transfer of the business portfolio of PT. AVIVA Insurance.
Under a strong and dynamic management, PT. ASURANSI MSIG INDONESIA has enjoyed good developments from year to year. Annual Production has been increasing steadily and the position of the Company in Indonesia insurance market is also improving.
Additionally, to enhance our services and deepen the relationship with our customers, we have established 4 Branch Offices and 4 Representative Offices. They are:

1. Surabaya Branch, since 24 June 1992.
2. Medan Branch, since 24 June 1992.
3. Bandung Branch, since 27 October 1992.
4. Batam Branch, since 24 February 1995.
5. Semarang Representative, since 1 April 2003.
6. Denpasar Representative, since 1 July 2004.
7. Palembang Representative, since 1 March 2005.
8. Bekasi Representative, since 1 April 2006.

Jaya Proteksi Insurance

PT Asuransi Jaya Protection was established in 1963 based on notarial deed No. Kahirman Gondowiryo. 7, dated October 4, 1963 under the name of PT Asuransi Sari Source Carriage Court. 

 In 2000, the Company experienced a change of name from PT Sari Resources Insurance carriers to PT Asuransi Jaya Agung Protection in accordance with DR deed. Teddy Anwar, SH. SPN. No. 70 dated 30 May 2000 and was approved by the Minister of Justice and Human Rights Republic of Indonesia in his Decree No. C-TH.2001 1597.HT.01.04 dated March 6, 2001 and published in the Official Gazette of the Republic of Indonesia No. 53 dated July 3, 2001.  

And by letter the Ministry of Finance of the Republic of Indonesia No.S.310/MK/6.2001 May 17, 2001, the Company's name change was also approved the Ministry of Finance of the Republic of Indonesia. 

In carrying out business activities in the insurance industry, particularly in the field of general insurance or life insurance, the Company has obtained an operating permit from the Directorate of Financial Institutions - Directorate General of Monetary Affairs - Ministry of Finance of the Republic of Indonesia No. Kep-2560/MD/1986 April 21, 1986, which later was confirmed again by letter the Ministry of Finance of the Republic of Indonesia No.S.310/MK/6.2001 May 17, 2001. 

The Company is located at Jl. Mangga Dua Raya, Grand Boutique Centre Complex Blok E No.2-4 Jakarta, with branch offices and representatives in the area of ​​Jakarta, Bogor, Bandung, Cirebon, Semarang, Surabaya, Kediri, Medan, Pekanbaru, Malang, Denpasar, Yogyakarta and Makassar, which has been operating effectively.

Jasa Raharja

The history of Jasa Raharja is not separated from the events of the takeover or nationalization of Dutch-Owned Companies by the Government of Indonesia. In accordance with Government Regulation (PP) No. 3 of 1960, in conjunction with announcement of the Minister for Revenue, Finance and Oversight RI No.12631/BUM II dated February 9, 1960, there were 8 (eight), the insurance company designated as the State Insurance Company (PAKN ) and also held the grouping and the use of the name of the company as follows:

* Fa. Blom & Van der Aa, Fa. Bekouw & Mijnssen, Fa. Sluyters and co, after nationalized combined into one called PAKN Ika Bhakti.
* NV. Assurantie Djakarta Maatschappij, NV. Assurantie Kantoor-Schroder Langeveldt, after nationalized combined into one, with the name Ika PAKN Dharma.
* NV. Kantoor Assurantie OWJ Schlencker, NV. Kantoor Insurance "Big Times", after the nationalized combined into one, with the name Ika PAKN Mulya.
* PT. Carriage Insurance New Direction after nationalized PAKN named Ika Sakti.

The development of corporate organization does not end up there alone, because with the announcement of the Minister for Revenue, Finance and Supervision Decree no. 294293/BUM II dated December 31, 1960, the four companies mentioned above combined in one State Insurance Company (PAKN) "Ika Works." Next PAKN Ika Works changed its name to the State Insurance Company (PNAK) Eka Karya.

Based on the PP No.8 in 1965 by merging the entire property, employees and all accounts payable PNAK Eka Karya, starting January 1, 1965 established a new legal entity with the name 'State Insurance Company Jasa Raharja "with a special duty to manage the implementation of the Act (the Act) No.33 and the Act (the Act) No.34 of 1964. PNAK Jasa Raharja appointment as manager of both the Act is determined based on the Decree of the Minister for Revenue, Finance and Supervision Decree no. BAPN 1-3-3 March 30 1965.

In 1970, Jasa Raharja PNAK changed the status of a Public Corporation (Perum) Jasa Raharja. The change of status is set out in the Decree of the Minister of Finance of the Republic of Indonesia No. Kep.750/KMK/IV/II/1970 dated November 18, 1970, which is a follow-up to the issuance of Law. No.9 of 1969 on Forms of Business Entities of State.

In 1978 that is based on PP No.34 in 1978 and by Decree of the Minister of Finance of the Republic of Indonesia that have been extended in every year and last No. 523/KMK/013/1989, in addition to managing the implementation of the Act. No.33 and the Law. No. 34 year 1964, Jasa Raharja given the task of issuing new letters of guarantee in the form of Surety Bond. Then, as an effort to carrier sense of social responsibility to the community, especially for those who have not obtained protection within the scope of the Act No.33 and No.34 Law in 1964, it also developed various insurance businesses.

Then in the next, considering the business is handled by Perum Jasa Raharja grew wide, then in 1980 based on pp No.39 1980 November 6, 1980, Jasa Raharja status changed again into Limited Liability Company (Persero) with the name of PT (Persero) Insurance Jasa Raharja, later founding confirmed by the Notary Imas Fatimah, SH No.49 of 1981 dated February 28, 1981, which has several times amended by the Notary Imas Fatimah, SH No.59 dated March 19, 1998 following repairs Deed No.63 dated June 17, 1998 made before the same notary.