Let's Insure! I Will Give Hopefully Help You
Insurance..?! words that will be imagined in our mind is
very difficult in the settlement of claims, the insurer does not want to pay
claims to customers, or agents who often chase us to buy the product
..huuuuhhhhh .. all that annoying and annoying .. !! Let's throw away those
ugly thoughts (negative thinking.red). Now let's see first "couching
clinic" that I will give, hopefully help you.
FIRST:
What are your goals
for Insurance?
If you enter Insurance just to protect Life (Life
Protection) without any other benefits that you will get then you should choose
Traditional Insurance (Traditional Insurance) , that's why? because with you
follow the Premium Premium Insurance Program that you will pay will be
relatively cheaper than the Insurance Program that has benefits other than Life
Protection is. Examples of this insurance program include :
Accident Insurance ( Personal Accident ),
Life Insurance (whole life) ,
Term Insurance (Term Life),
Dwiguna Insurance (Endowment),
Annuity.
However, if your goal to follow the Insurance Program to get
other benefits such as the element of investment then you are advised to follow
the Insurance Program that has an investment element known as Unit-Link,
because in addition to getting life protection but you will also get the
investment results you want.
This program is one of the tactics of insurance companies in
the world and Indonesia to make people more interested to buy Insurance
Products. But one thing that must be remembered by us all that you should never
think that the purpose of buying an insurance program to get big and fantastic
profits. Suppose you buy Insurance for Your Old Parent and have the disease to
be insured because you expect the hospital treatment cost will be borne by the
Insurance Company or if the parent dies will get a big compensation.
It is a big mistake and throw your mind away. Because the
Insurance Company is not "stupid" and it is that easy to receive your
Parents for insured in the Insurance Company. They will usually give an
exclusion clause or extra mortality (making your premiums more expensive than
normal due to the higher risk of death) as well as the use of Pre-Exisitng
Condition borne by the Insurance Company).
If there are so many restrictions and constraints on
benefits made by the Insurance Company, then perhaps later you will only get a
refund of premiums that have been paid only. Well, therefore do not ever think
of you to reap the benefits by following the insurance program.
KEY WORDS >>>>> Join the Insurance Program
not to get huge and fantastic Profits but to get Life and Financial Protection
for you and your family.
SECOND:
Introduction of
Utmost Good Faith (Good Faith) Principles
This principle must be upheld by both the Insurance Company
and the Insured. Most Claims issues are not paid by the Insurance Company due
to Principle deviations. Let's say you often do not realize when filling the
SPPA (Closing Insurance Request Letter) or SPAJ (Life Insurance Closing
Letters) or questionnaires given Insurance company when you want to buy
insurance products do not reflect or explain your actual circumstances.
Usually in the questionnaire there will be a question
whether you've been smoking or ever smoked in the previous 2 years? If you are
a smoker or have smoked 2 years ago then you should write "Yes", but
because you think it is unimportant and you feel very healthy today or it could
be because you are afraid of rising premiums and you write "No" in in
the field.
Once you make a Claim for hospitalization, it will be a
problem for you. At the time of making a claim to the Insurance Company then
the Insurance Party will mebuka old files one of them SPPA. Unfortunately after
getting the results of medical reports you were hospitalized because of the
heart disease caused by cigarettes, the Insurance Company will very firmly to
mebuat your claim is invalid and will be rejected by the Insurance Company.
Therefore fill SPPA / SPAJ with honest, good and correct.
KEY WORDS >>>>> The principle of Good Faith
is that underlying the Insurance Contract Agreement between you and the
Insurance Company must therefore be firmly held by both parties, and fill the
SPPA / SPAJ honestly, correctly and correctly in order to avoid Fraudulent
Infromation ( Incorrect information) and ultimately Your claim will not be paid
by the Insurance Company.
THIRD:
Adjust to your Needs
and Budget
If you want to buy insurance do not look at the benefits
provided but what benefits will I use. Because in principle the more benefits
the greater the Premium will be paid by you.
For example there are Health Insurance Products, covering
all sorts of diseases (illustrations only) and then there are programs that
cover a number of diseases that are very often once encountered to get the
disease, then maybe you should have a mediocre budget then you should choose a
product which you really need.
If you force the will to buy a super-complete Insurance
product and your budget is mediocre it is very dangerous for you. Especially if
you are up to Premium and have passed the grace period for approximately 60
days, then your policy will soon be lapse (canceled) by the Insurance Company,
and all benefits in Insurance is no longer valid when you make a claim .
KEYWORDS >>>>> Purchase an Insurance Product
that suits your needs so you avoid the difficulty of paying premiums and other
living needs.
FOURTH :
Choose an Insurance
Company that you really trust will operate for a long time.
There are three (3) main requirements in my opinion to see
whether this Insurance company will still exist or not:
1. From Asset Facets and Capital
2. From the aspect of RBC (Risk Based Capital)
3. In terms of Branch Office Availability
In terms of Asset and Capital are very clear, the more Asset
and Capital then the stronger and logically it will be difficult to roll out.
In terms of Risk Based Capital (RBC), the higher the RBC (usually in
percentage) then the better, it means that RBC is a representation if all
customers make Claims how much money is still available in the Company.
The MOF sets for the moment should not be less RBC than
120%. With 120% RBC means the company still has reserves of 20% of all claims
that may occur simultaneously. In terms of availability of branch offices, the
more branches the better, because the logic of companies that have spent a lot
of cost to establish branches in areas is a company that has prepared a
long-term business plan so it will not be easy to roll out and this can be a
mirror that the company is really fully concern in the business.
You must be observant and careful again before you decide to
choose a program from an insurance company. Do not just look in terms of Joint
Venture with foreigners, then you immediately rushed and without thinking again
long to buy. Not necessarily the company has a network spread across small
cities in Indonesia. But vice versa do not choose a small Insurance Company
that does not have branch offices in other cities that will make it difficult
for you to make Claims later.
KEYWORDS >>>>> Choose Insurance companies
that have strong capital, assets and RBC as well as a wide network of branch
offices.
By following the steps above, hopefully you will no longer
experience unpleasant things when dealing with the name Insurance. Because the
purpose of Insurance is To provide financial protection for you and your family
in outline. Finally We will get the real meaning and benefits of the name
Insurance.
Happy Insurance ...
