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Many Americans between the ages of 50-64 are losing their health insurance according to the article “Health Insurance Hard to Find for the Newly Unemployed” by Richard Martin TampaBay.com. The reason these people are losing their insurance so rapidly is because of rising unemployment and an increasing number of businesses unable to afford health insurance for their employees.
The AARP estimates that approximately 7 million people between 50-64 are uninsured. This number is growing rapidly and causing much stir in the health care debate in Washington DC. Until recently, most of the focus has been placed on the young uninsured or Medicare for over 65.
The main problem with this generation losing their health insurance is this is when they need it most. for this group can be challenging as well. Individual health insurance plans for those over 50 cost much more than employer sponsored plans. Many plans exclude pre-existing conditions such as diabetes, obesity, or depression, conditions that often come with age. Studies show that uninsured people are more likely to put off treatment which can lead to declining health. It’s a vicious cycle that hopefully Congress can end.
However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.
To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.
More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.
When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.
Apart from the client side, do not pay insurance money can also be caused by errors caused by the Parties Insurance Company. There are some really, but a common one there are only two:
1. Insurance Agent dishonesty in presenting insurance products. It could be your insurance agent is not honest in presenting the products of his Life Insurance. For example, when met, he said that insurance companies will pay money if Pertangungan Life Insurance caused the death of critical illness, including if the risk occurs in the first year. Though generally not the case. Indeed, not every insurance company has the same policy. So my advice, what you see in your Insurance Policy that is what should be a reference, instead of what the Insurance Agent. Insurance companies generally make some kind of Money Back Guarantee if you find that you are not satisfied with the articles listed in the policy. You can restore her policy, and your money will be returned. Of course, during the return policy within a certain time limit stipulated by the Insurance Company, which is usually 30 to 90 days. Then, if all Insurance Agent can not be trusted? not really, because it returned to the person. Not because there is one agent that is not true, then you equate all insurance agents in this world is not true. Once again, it all returned to their respective characters. To prove whether the presentation of
Life Insurance Agent is given correctly, you just match it with the Insurance Policy issued. If the same, meaning your insurance agent is honest and trustworthy. If not, she reported on her insurance company.
2. Wayward company
If you find that you have met all the requirements requested, to be honest in filling the Application, pay diligently, sending the claim submission is still in a specified period of time, but your claim is still not paid, check it again. It could be a tough company
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Not all failures are caused by claims payments Insurance Company. It could also cause the customers themselves. Generally there are five mistakes that can lead to customer insurance money was paid:
1. Customer Dishonesty
Before someone has a Life Insurance product, he first must complete Application Insurance. In the Application are the questions that must be answered by a prospective customer, and from the answers that Insurance Companies will see if it will provide Life Insurance protection for you or not. Now, when filling out this Application prospective customers often do not provide the correct answer. For example, in Application there are questions about whether you’ve
treated in hospital in the last two years. If you answer no – but never admitted to the House Sskit six months ago for example – so if there was a death in your Insurance Company and find that you are the cause of death due to disease ever makes you go hospital about six months ago, do not expect Insurance Company Sum Insured will pay what they promised.
2. The existence of an exception by the Insurance Company to pay money
Sometimes Liability Insurance Company does not provide the benefits they promised if you were the cause of death was excluded (and the exception was written in the policy). Regarding these exceptions, generally the PA set the number of exceptions vary. However, generally are:
- Death due to suicide
- Death due to that person committed a crime
- Deaths due to AIDS
- Death due to critical illness, where the death occurred in the first year she joined the insurance program of the PA concerned
- Death due to force majeure, or the things that can not be avoided, such as war, natural disasters, or civil commotion Often
exceptions contained in the policy did not read by the customer, so he felt disadvantaged when the Sum Insured not paid insurance. That’s why, if you have an Insurance Policy, sempatkan again to read the articles contained in the policy.
3. Customers too long make a claim
Generally, the PA set limits for filing claims asuransi.Biasanya, a set time limit is three months. Fuss, customers often make a claim outside the time limit, so the PA hard to fill. For example, your husband follow a Life Insurance program with you as his heir. In the event of death of your husband, then you can only get the promised insurance benefits when filing your claim is still within three months after the death. If not, insurance companies may not want to give the benefits they promised. Now, how do you know long time limit provided by your insurance company in filing a claim for death? You can read it on your Insurance Policy. After that, if it really happens later risk of death, immediately add a claim to the Insurance Company.
4. The requirements when filing a claim is less complete
PA usually ask a number of requirements when filing a claim if it did occur the risk of death in people who are covered. Requirements that are often not met or completed by the customer heirs, so that insurance companies would not be directly paying their claims.
Usually, the requirements requested by the insurance company if you want to make a claim of death are:
4.1. Death Certificate from the neighborhood of local
4.2. Accident Certificate from the Police (if death occurred due to accident)
4.3. Certificate of House Sskit (if death occurs in hospital), where the letter was signed by the doctor concerned
4.4. Claim Submission Form Filling issued by Insurance Company
4.5. Photocopy of Identity Self Heir So, if there is risk of death, do not forget to meet all the requirements demanded by the Insurance Company.
5. Not pay the premium by the customer within the time prescribed
This is obvious. If you do not pay premiums according to the specified time period, could have your Insurance Policy to be no longer valid. This means, you are no longer protected by insurance. This is what often happens. In the early days, customers pay a premium diligent, but at a certain moment, the premium no longer paid, even until a certain time limit. This is the same as if you use electricity and do not pay within a certain time limit, so your electricity disconnected at home is threatened by PLN. Therefore, make sure you know your premium payment rules. Do not let your Insurance Policy to be invalid merely because you forgot to pay premiums on time.
Basically for motor vehicles there are two types of insurance are generally used on two-wheeled vehicle that is Total Lost and All Risk. But better to choose which type of insurance is right for your bike then you should understand the types of insurance that best suits both economically and functionally.
1. Total Lost: This means your insurance claim will be granted if the damage has occurred in total that can not be diricovery or exceeds 70% – in this case as if the vehicle you are missing the thief steal: evil:, burned or destroyed beyond repair until such accidents . Usually when you buy a new motor then automatically credit your motor insurance has received assurances Total Lost from leasing agency you use.
2. All Risk: Insurance is all risk insurance that will mengkover any major damage to the motor either in minor damage. Users pay insurance claims stayed for a replacement even though the damage on the bike only minor damage. But to get the insurance policy guarantees the kind of All risk usually be charged higher than the total lost insurance – usually worn 3 or 4 permil.
