Benefits and Insurance Tips
Some of our communities are still those who feel antipathy
when you hear the word insurance,
especially when offered to purchase raw insurance
products described must have been declining slowly.
Negative stigma regarding this insurance arises because of
the bad experience of insurance services ever experienced by the individual or
others, for example, difficult process benefits
insurance claim, the length of disbursement or can not ditarikanya part of
the funds that have been paid.
Because the area of services, all insurance companies must strive to
provide the best service to its customers.
Customer complaints about the service of an insurance company is usually caused
because the customer did not understand and do not understand the insurance
they purchase, both types of products and supplies.
Means assured grant financial losses should be borne by the
family or myself to the insurance company in case of risk such as accident,
illness or total permanent disability or death.
Why do we need
insurance?
Because we can not expect or predict when we will experience
these risks.
So when we do not have the savings sudden accidents which
resulted in us having to undergo hospital treatment, then having financial loss
insurance should we support will be borne by the insurance company.
There are some things we need to consider before deciding to
choose a product from the insurance company, so as not to regret in the future.
1. Adjust the insurance products we choose not need to need
or because of discomfort due to the agent or to be tempted by offers of reward
the agent.
Make sure the insurance took care of us is a professional
agent who not only pursue sales goals agent, but are willing and able to help
and take care of our future insurance needs.
2. Discover the winners of insurance companies that we buy
their products, both in terms of service and financial management capacity
claims by digging information from relatives or friends who are clients.
3. Given the insurance is not the same as saving money, then
we should know exactly how long the period of premium payment, then we can
withdraw the funds (if the products we make no investment or the cash value)
and how the disbursement of funds.
Because insurance, including long-term needs should be the
size of the entire amount of premium insurance policies does not exceed 20% of
income per year that the financial situation of the family is not been disturbed.
4. To avoid denial of claim or the unilateral cancellation
by the insurance company policy, as it has found evidence of a lie to both the
information of the Deposit Insurance and explain complete, honest and clear
about the state of health, work, hobbies and habits and medical history of the
family at the time of deposit insurance.
And to ensure that we deliver are listed on the letter
requesting insurance should never sign a blank application state.
5. Ask in detail the benefits and conditions of the
insurance products we select.
Examples of health insurance products, no waiting period and
no provision for pre-existing conditions (preexisting condition) that is often
the reason for rejection of the application by the insurance company and the client
does not know the provisions of Insurance earlier filing.
6. Make sure that the premiums paid regularly and not in
arrears.
When premiums become delinquent, the status of the policy
lapsed (inactive) and insurance benefits can not be paid.
Reactivation can be done by way of recovery, but the
recovery provisions of each insurance company is different and usually after
the restart, the provisions of the validity period, the test period
(contestable period) and the period Waiting applies stimulus policy date
7. Please check and read the policy carefully with an
attachment that was received because the review period provided for by the
insurance company to learn the policy and its annexes, if it is not in
accordance with the policy issued by the agent may be canceled and the premium
will be refunded.
Premium will not be refunded if the cancellation policy
after work during the review period.
8. Insurance all young and healthy, because premiums or the
cost of insurance for young age was cheaper and easier filing.
Choose
a product that has the complete package, both life insurance, accident and
health, but with a short period of time to pay his life insurance.
Keyword: benefit insurance, insurance