I was healthy and never sick over this. Why do I need to take health insurance? ”
Many people think so and we may include one of them. However, ever crossed our minds, what would happen if the accident and illness came suddenly and we had to be hospitalized? We may have to pay the costs of expensive medical treatment until the savings drained, and this of course is not a situation we expect to happen. On the contrary, would not be very helpful if we already have health insurance that can help us in paying medical expenses? More so for us now that the health costs are increasingly expensive. Paying the doctor, buy medicine, hospitalization are some examples of costs that must be paid when you or a family member became ill.
Fortunately, working in a company or agency that already has health insurance programs, so minimal, partly because of disrupted health risks can be assisted by the health insurance program. What if companies do not provide such facilities? Or you an entrepreneur? Let’s not hesitate and start planning to buy health insurance. With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty that we make in managing expenses and reducing costs is not unexpected.
In Indonesia there are two types of health insurance, health insurance is a collective (group) and individual health insurance. Individual insurance is usually reserved for personal or family, while the insurance collectively as found in many companies already provide health protection to employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why? Because of the collective, then the number of individuals or participants who had greater risk of a claim that can be evenly by all individuals in the group. The greater the number of groups or members within a single institution or company, the lower the premiums are actually paid.
the more we hear and see the various disaster / disaster in most areas of the country. Associated with these phenomena, I want to discuss the real benefits of life insurance products as a method of protection, in addition to the benefits of investments contained therein. The high frequency of occurrence / unexpected misfortunes now conditioned us to have more awareness about the importance of insurance intents. The arrival of floods, hurricanes, earthquakes, and landslides or falling aircraft, ships sunk, and road accidents have an impact on the risk of emergence of casualties and victims of property. Various events were a single phenomenon that can not happen we thought for sure, good news, there is one solution to minimize the risk of the disaster series. PROTECTION in the middle of a disaster.
As a risk management-based products, life insurance plays a role in risk transfer would have suffered financial insured (the policyholder) due to the emergence of the incident or accident. Currently you may say “I am free flood area and I have never experienced such a disaster, so, do I need to buy life insurance” The answer is quite simple. YES!
You still need life insurance products! Even if flooding does not touch your life, what would the “SORRY” if at any time you pass away, because of illness or accident, whether your family has to suffer financially because of loss of income sources during this search? Yes, they are kids & your wife, your siblings or your parents may still depend on your life.
We may still have thought or something else more important, and it makes us pause or not to buy life insurance. We may think that the delay or not to buy life insurance it’s safe. Opinion may be true, but for thinking this one, you need to realize Wordpress Later Regret is useless. When misfortune is frowned upon your life, there will be no chance for you to protect the family.
That is why, we need to consider the financial needs of the people we love, the death of a father in a family disaster / accident can be fatal for the survival of their families karna hibup the father who had served as the main breadwinner in the family. This will differ financially, if the family had to protect themselves with insurance products, even if the father had to leave forever, accumulated premiums paid by families in the form of a life insurance policy could act as a pillar of family life berkelangsungan abandoned.
Retannya amid the emergence of life on an unexpected calamity, we and the family will be able to establish a life in peace. Our children can learn to perform their roles with adequate financial support through education insurance policy. Life insurance benefits in life should be a consideration for us for insurance as soon as possible. Consideration, once again, life insurance is no longer an alternative for the needs of our families! Life insurance benefits is an objective reason that life insurance is an actual and essential need for us today. This paradigm should be inherent in us that can minimize the financial risk if they experience misfortune never expected before.
The future of a child’s knitted since starting his education. Early education for + / – 16 years is a short road, the possibilities can occur during that period.
In the journey of life, a father can experience four things that can greatly affect their child’s education and their future that is:
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healthy wa afiat to college kids
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accident that made his father’s disability or death
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experiencing a critical illness that made his father unable to work anymore
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died
Every child and every parent is always a good hope for the survival and continuation of life education.
Yet we can not blind our eyes or shut our ears from the fact that every time bad could happen.
One important thing to do is: right of child to complete his studies remain to be fulfilled.
As a static caravan owner, you need to ensure that you are protected against such hazards as fire, storm, flooding, theft, and possibly accidental damage. Your policy may typically provide cover for these; however, in some cases you may have to pay more on your premiums to include accidental damage.
If you rent out your caravan to holidaymakers then you need to consider public liability insurance. It is typically found in your static caravan insurance but you may wish to check how much insurance you get. Liability insurance typically pays towards your legal costs in the event that you are sued by a third party who suffers an accident and injury whilst in your caravan. You may also wish to have rental income loss in your caravan insurance as this typically pays out if your caravan is damaged and you cannot let it out to those who have pre-booked it. Again the amount of cover included reflects on your static caravan insurance quotes.
Attractiveness of insurance products, mutual funds combinations called unitlink more interesting in the eyes of society. The value of new premiums along unitlink semester of 2007 and experienced a high jump to reach Rp 4.5 trillion. This means that soared nearly three times higher than the same period of 2006 amounting to Rp 1.7 trillion.
unitlink allure is that these new products capable of stealing the attention-hungry society safe and profitable investment, especially in the middle of the trend savings rate continued to sag. Because saving money in the bank eroded in value of inflation continued to sag, then the owner of a noisy crowded funds migrated to the unitlink funds.
As usual insurance products, customers pay a premium unitlink at a certain time period, usually monthly. The difference is, customers pay for the link unit two portions, namely the protection of premium money and money to invest in mutual fund portfolio.
Serve as insurance premiums for the insured protection funds or clients. Meanwhile, investment premiums later bred by insurance companies through securities firms (investment managers) in the form of mutual funds.
Next is the insurance losses. This type of insurance when the floods hit Jakarta and several cities in Java island lately, has “helped” many quarters for not destitute. Vehicles are subject to flooding and damage following a house or its contents, if the insured can be claimed to the insurance company.
However, there is also the owner of the insurance losses could actually make a claim with the insurance company for the closure of loss insurance coverage that had limited and does not include losses due to flooding. Therefore, the main thing you should look at when choosing an insurance loss is any aspect of the company closed. You should look at all that observant, because most insurance companies do not just want to explain to you.
Conclusion the risk can not disiasati not. One way is to transfer risk to the company. If your financial situation well enough, could be considered for at least three insurance policies, namely health insurance, life dankerugian. However, if your financial situation is relatively limited, make your selection according to your needs. Then, in choosing an insurance company, consider the most fundamental factors, such as companies and bonafiditas premiums become a burden you.
