Insurance Zone

Seeing Life Insurance or Health Insurance is required mainly for self-employed and informal workers who do not have health insurance from a company or government agency.

For a self-employed when it comes to illness or disability due to accident will have a lot of financial losses / financial due will bear the cost of treatment and can not work for a living. Another case if a person works in a company or become civil servants, they usually get health insurance that will bear the cost if the sick and fixed monthly salary is paid. (But not all companies provide decent health insurance)

In determining the life insurance product, here are some tips about choosing Life Insurance:
* Pick the insurance policy based on the needs

* Find information on insurance products that is fitted to our needs by collecting brochures from different companies or searching for information on the website of insurance companies

* Consult the dealer in more detail about the products until the detailed calculation of the overall allocation of funds that we are willing to pay for anything

* Always ask for the prints of illustration of the benefits for Life Insurance products, premiums to be paid and where the allocation of the premium paid.

* Understand and Learn the content of the illustrations in your house with a relaxed and thoroughly, do not rush to conclusions, ask more information if there is something that is unclear.

* Compare the products from various life insurance companies, whichever provides the greatest benefit with the least expensive premium, also search for the info to find out whether the company is bona fide or not.

* Do not choose the life insurance just based on the best insurance award from a magazine, but you should really know how to calculate the insurance costs

* Determine the Life Insurance product of your choice after all you really understand about that Life Insurance product.

* After determining and deciding to buy an insurance product, we will accept an insurance policy that contains a binding contract between the customer and the insurance company, learn again the contents of the policy, the customer usually within 14 days given the opportunity to cancel the policy.

Know the tips and tricks on health insurance claim beneficial to prevent unnecessary hassles and increase your chances of getting a replacement. Here are the things that you need to do to claim the health insurance:

1. Understand all the certificates / your health insurance policy. Before receiving treatment in hospital, learn all the provisions of the policy benefits. If you are a participant of Group Health Insurance, you are usually given a list of policy benefits.

Things that need to know from the certificate and your policy:

* Benefits paid health insurance, the maximum limit for each item of treatment and the rest of your limit

* The only exceptions, namely the type of disease or what treatment methods are excluded, eg congenital disorder, cosmetic surgery, the disease that existed before the policy effective (pre-existing disease), etc..

* Claims procedures, including how well the type of document should be completed. If your health insurance company provides partners (providers), you need to know which hospital in your course who are the partners.

2. Learn carefully hospital bills. At the time of leaving the hospital, the hospital will ask you to sign the details of the maintenance costs will be charged to health insurers or to you.

* Ensure to complete treatment data, including diagnosis, type of action, the cost for each item, date of treatment, doctor’s name and policy relevant data. Just a little mistake in the writing of the name-for example-can lead to delay payment of your claim.

* Pay attention to word choice in the diagnosis. Handling the same but with a different diagnosis could obtain a different claims approval. For example, if the diagnosis indicates that the disorder is congenital (inborn), although the trigger is a new disease, your claim can not be paid.

3. Ask a claim file as soon as possible. For health insurance reimbursement (reimbursement) without going through the provider, the claim must be filed after completion of treatment. More importantly, the faster is filed, the sooner you’ll get your money back!

4. A copy of the dossiers submitted claims. You never know how good the quality administration of your insurance company. If for some reason you lose your file, you will be grateful to have had a copy.

5. Do not immediately accept the rejection of claims. If you receive a rejection, learn why, compare the terms of the certificates / your policy. As far as his refusal was not because of something that was clearly stated in the policy, you are entitled to lodge an objection. Convey “defense” you verbally or in writing to the insurer.

6. When the number of claims rejected a very large, perhaps there are advantages for you to hire a lawyer. Medical and health insurance companies will respond very seriously when you use a lawyer.

Do you not consider health insurance as a necessity? This is understandable if there is no culture of insurance in your family. Or you’ve heard “horror stories” about the fraudulent insurance company. And actually, you do not need to follow health insurance if you meet one of the following criteria:
You never ill (if it is ill, it is just cold / fever), or
You never affected / accident, or
You have a very very big treasure
If you meet any of the above criteria, then the health insurance program will not be of much use to you.
But in reality, you never know what will happen. Maybe someday you are exposed to chronic disease. Or become victims of traffic accidents. Or failed in business and lose all their possessions, so it can not pay medical expenses (when health is one of the basic human needs).
This is where the usefulness of health insurance. By paying a premium every month, your medical expenses covered by insurance companies. Premiums are paid very small compared to the money you need to spend if one day there calamities that befall upon on you.