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.
There are two types of Health Insurance:
1. Hospital Cash Plan
2. Hospital Benefit
Apart from the use of the words but more importantly it means, for the first:
* Does not require the original receipt, can be a legalized photocopy of hospital
* Generally reimbursed only the cost of room per day, either for regular or intensive care rooms. There is also a replacement for a number of operations is determined.
* Does not depend on the replacement cost of the receipt but of hospitalization per day or per incident operations taken as a policy
* Reimburse the form replacement system, so customers pay first and then claim to the insurance company
* Premiums are relatively cheap because the replacement value is also small
Second:
* Required original receipts. If you have 2 health insurance that requires the original receipt, the procedure is: first determine your claim was first directed to the insurance company which, if then the value of claims not yet sufficient to pay the hospital then you can ask for original receipts to claim the remaining payments to insurance companies second. Likewise, if you have 3 or more health insurance
* Fee includes a room change, a general practitioner, specialist doctors, medicines, operating costs (if any), all bills are paid in accordance with the maximum ceiling as we take on the policy
* Claims the system is usually directly in the hospital, do not have to reimburse. For example, your hospital bills USD 10jt temporary ceiling of the total insurance is only Rp 8jt, then you immediately pay the remaining USD 2jt at the hospital. This can happen only at the partner hospitals of the insurance company that you take.
* The premium is higher
Beyond that there is, the insurance premium money we give 100% back if there is no claim sick, it can be categorized hospital cash plan
One œsenjataâ € â €?? The most commonly used by Islamic insurance product marketers, both general insurance products (general) and soul (life) is akad mudaraba (profit sharing), or that in English is called the â € œprofit sharingâ €?? (although the most appropriate term is actually the â € œprofit and loss sharingâ €??). In this discussion will point out that the writer behind the use of such covenant occurred mudaraba misconception of the definition so that it may cause mudaraba vagueness of the meaning of true meaning. These misunderstandings occur in Islamic insurance products that besifat non-saving or no savings element or the Islamic insurance products in which short-term horizon of her policy.
Akad mudaraba as has been the writer described in previous articles in this website is the â € œakad cooperation between two parties where the first (Shahibul maal) provides 100% capital while others become managers (mudarib) â €?? where the risk of loss (loss risk) will be borne entirely by Shahibul Maal long as it is caused by business risk and not a character risk. In the insurance business, the covenant merely mudaraba accordance with Islamic rules when applied to life insurance products that are saving (no savings element) because the principle of the covenant is in line with those used in the world where Islamic banking covenant means â € mudaraba œhasil investment of depositors will be divided generated by the bank as a manager (mudarib) through the ratio tertentuâ €??. Capital 100% principal customers will be returned to the depositors so that at the end of the accounting would be obtained capital funding for basic + investment results. And conversely, if there is loss of the customer’s money will also be borne entirely by the depositor concerned.
The problem is when the covenant for this result is applied in the world of Islamic insurance products primarily to the non-insurance savings, or 100% tabarruâ € ™ which in fact is happening is not the result but dibagihasilkan investment operational surplus or surplus underwritinglah the dibagihasilkan. Fund principal participants are not 100% back but only a small portion. Thus the application of the covenant, or for the results mudaharabah irrelevant here with the actual definition mudaraba. For ease of illustration, the authors demonstrated the following simple flow of the calculation for results in the non-saving products insurance sharia or Islamic insurance products:
-Dana/premi Participants (1) = Rp 1.000.000,00
-The results of investments (2) = Rp 100.000,00
-Cost of investment (3) = Rp 10.000,00
-Nett profit (4): (2) – (3) = USD 90,000.00
-Cost of claims (5) = Rp 600.000,00
-Technical reserves (6) = Rp 200.000,00
-Surplus Underwriting:
(1) + (4) â € “(5) â €” (6) = USD $ 290,000.00
If such ratio for the specified 60% to 40% participant and for the insurance company for the participants is Rp 174,000.00.
From the above calculations show that the covenant is not used purely to follow the basic theory of mudaraba akad happened not because the investment results but dibagihasilkan underwriting surplus. This error should begin immediately corrected by removing the term œprofit sharingâ â € €?? œmudharabahâ € or â €?? and replaced with a more appropriate term such as â € € œsurplus sharingâ??. Through this mechanism for sharing surplus sharia insurance companies can obtain funding contributions from participants with a certain ratio. The consequences of sharia insurance policy wording must also be improved by deleting Clause Mudaraba and replaced with other clauses such as Clause For Surplus (Surplus Sharing Clause) or which convey the same.
The system used by health insurance companies there are 2 of the replacement system (reimbursement) or the system provider. With the replacement system, insurance participants have to spend money first to pay medical expenses which then can we claim or request a replacement to the insurance company where we become participants of insurance. With this system we are free to choose which hospital course, but the maximum reimbursement would have been determined in advance. That need to be our primary concern is the claim of completeness of the letters of administration which became the main requirement for the reimbursement of our costs can be paid out by insurance companies. How quickly the claim disbursement depends on the services provided by insurance companies, but generally range from 7 working days.
For those who embrace the system provider, we do not need to spend money first. We are only provided with health insurance membership card in order to obtain needed health services in hospitals or health clinics that we selected earlier based on a list of hospitals that work with the insurance company.
Health insurance is a type of insurance that helps the availability of funds if the participant’s health insurance or health problems attacked by the disease. All the needs of the doctor, stay (care) in hospitals, the cost of medicines in the hospital until the operation, all that can be covered by insurance companies. In general, type of treatment or programs that are available are the benefits of outpatient (Outpatient), hospitalization benefits (Inpatient), labor benefits and dental benefits.
In general, outpatient benefits (Outpatient) are borne by the insurance company is like a GP consultation fee and / or specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In outpatient benefits have maximum limits the use of funds each year. While inpatient benefits that can be enjoyed by the participants of health insurance is like a hospital expenses, laboratory costs, delivery costs, emergency service costs (emergency). Dental benefits of prevention, basic dental care, dental care complex, and the installation of dentures.
Third-care benefits, ie outpatient care, childbirth, 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 all 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 coverage is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary with the details of benefits also varies. Usually, insurance companies limit the amount of the total cost that can be used per year.
