In essence insurance, life insurance in this case, is a product. A product if desired by the consumer, of course, must pass through a process called transaction, in this case the sale and purchase. Insurance is intangible product (not form), which makes this product in the world of marketing including product management challenges.
Life insurance company from selling policies, as well as insurance agents. Their income depends on sales commission policies and premium payment by the client. This is one reason why insurance agents are well known shrewdness in making sales. Salut, those who have a high persistency, attempt to try out their marketing capabilities from day to day.
Of course, as consumers, we must take into account the financial ability if you want to have a product, including insurance. One thing to remember is, the average life insurance sold to long-term contracts, even a lifetime. Funds for the purchase of insurance will become part of routine spending a family. My opinion, if there were not more than 10-15% of income, so-so insurance is said to a form of savings. That, too, for those who are on average lower middle-income, full consideration must be appropriate to purchase insurance. Instead, if indeed interested in having a single insurance policy, the fund is a fund family that used truly idle, to prevent the loss of both parties in the future due to cancellation policy (laps). Consider a reasonable premium rates.
Consider carefully, negotiate with insurance agents to complete the most care and concern with your family. Choose a licensed agent. For agents who do not have a license, you seek a relationship with their manager.
Let's make friends with the insurance, may be useful.
Sunday, March 27, 2011
Insurance for Mental Patients
If you are a health insurance policyholders of private insurance companies, do not be surprised if someday you come to me for treatment, your insurance company will not bear the medical expenses are passed over onto you. Until now, this is most insurance companies bear the burden of medical costs of patients seeing a psychiatrist.
Apparently this is related to the condition of mental illness known as Chronic Relapsing Disease is a condition of chronic pain and often relapse. Some metabolic diseases and congenital diseases are also not included in the mortgage insurance company health. Maybe for an insurance company, the conditions are not favorable psychiatric illness.
Actually, a psychiatric disorder at the time of this millennium is a medical disorder that is often experienced. An internal medicine physician colleagues says that nearly 50% of patients who came for a treatment for gastric disorders (stomach) to him is actually caused by stress. So we actually can not be glued to make a dichotomy that mental disorders are always associated with schizophrenia or severe mental patients are often referred to by laymen as the patient crazy. No health sports course, healthy definition of the WHO also said that a healthy body and soul.
WHO predicts that even by 2020 Depression will become non-infectious disease is most prevalent. Even developed countries like America has lost trillions of dollars every year due to depression both directly and indirectly effect. But unfortunately many people still feel scared and embarrassed when should consult a psychiatrist.
No wonder indeed that condition, even the treatment of patients who come to me because it just psychosomatic conditions are often asked "Doc, will I get this mental disorder?" Lha've definitely got a mental disorder, but not a mental disorder as it is called crazy. Readers know that insomnia or trouble sleeping alone was included psychiatric disorders according to diagnostic manuals from WHO.
Back to the insurance problems that do not want to pay the claims of patients who went to the doctor the soul alias psychiatrist, I think this is a stigmatized for mental patients. Imagine what's actually different mental disorders with other medical disorders. The development of psychiatry, especially in developed countries has been very good. Mental illness is seen as a brain disease, is not the abnormalities in brain structure as in patients with stroke or brain tumor, but rather the condition of the nervous system and endocrine hormone primarily in the brain and all body systems. Even today Depression is mentioned as a disease of the body system is not just the brain.
One more thing as a psychiatrist who used to deal with mental health problems in general medical patients, such as head trauma, brain tumors, stroke, diabetes meliitus and other common medical disorders associated with patients who are covered by insurance sometimes make patients and doctors hassles. Once I consulted patients who do not want to eat the drug and no motivation to get well because he refused all treatment. When counseled the patient better and can finally go home with good condition. Not long afterwards came the letter from the insurance where the patient becomes a client, it seems like the slanting insurers ask why patients consulted and whether the patient is a patient's mental disorder. Because if so then the insurance claim will not be paid. Even the company doctor says whether the patient suffered psychosomatic disorders. And know the truth about what it was psychosomatic course I'm sure they do not tahu.Bisa you imagine how the stigma of mental illness was so thick. Moreover, if the patient actually was not consulted, the patient will stay longer in hospitals and insurers also are the losers pay so much for something that actually can be handled with mengkonsulkan patient to a psychiatrist.
We expect this condition will be changed so that there is no discrimination against mental patients, regardless of type of disorder.
Apparently this is related to the condition of mental illness known as Chronic Relapsing Disease is a condition of chronic pain and often relapse. Some metabolic diseases and congenital diseases are also not included in the mortgage insurance company health. Maybe for an insurance company, the conditions are not favorable psychiatric illness.
Actually, a psychiatric disorder at the time of this millennium is a medical disorder that is often experienced. An internal medicine physician colleagues says that nearly 50% of patients who came for a treatment for gastric disorders (stomach) to him is actually caused by stress. So we actually can not be glued to make a dichotomy that mental disorders are always associated with schizophrenia or severe mental patients are often referred to by laymen as the patient crazy. No health sports course, healthy definition of the WHO also said that a healthy body and soul.
WHO predicts that even by 2020 Depression will become non-infectious disease is most prevalent. Even developed countries like America has lost trillions of dollars every year due to depression both directly and indirectly effect. But unfortunately many people still feel scared and embarrassed when should consult a psychiatrist.
No wonder indeed that condition, even the treatment of patients who come to me because it just psychosomatic conditions are often asked "Doc, will I get this mental disorder?" Lha've definitely got a mental disorder, but not a mental disorder as it is called crazy. Readers know that insomnia or trouble sleeping alone was included psychiatric disorders according to diagnostic manuals from WHO.
Back to the insurance problems that do not want to pay the claims of patients who went to the doctor the soul alias psychiatrist, I think this is a stigmatized for mental patients. Imagine what's actually different mental disorders with other medical disorders. The development of psychiatry, especially in developed countries has been very good. Mental illness is seen as a brain disease, is not the abnormalities in brain structure as in patients with stroke or brain tumor, but rather the condition of the nervous system and endocrine hormone primarily in the brain and all body systems. Even today Depression is mentioned as a disease of the body system is not just the brain.
One more thing as a psychiatrist who used to deal with mental health problems in general medical patients, such as head trauma, brain tumors, stroke, diabetes meliitus and other common medical disorders associated with patients who are covered by insurance sometimes make patients and doctors hassles. Once I consulted patients who do not want to eat the drug and no motivation to get well because he refused all treatment. When counseled the patient better and can finally go home with good condition. Not long afterwards came the letter from the insurance where the patient becomes a client, it seems like the slanting insurers ask why patients consulted and whether the patient is a patient's mental disorder. Because if so then the insurance claim will not be paid. Even the company doctor says whether the patient suffered psychosomatic disorders. And know the truth about what it was psychosomatic course I'm sure they do not tahu.Bisa you imagine how the stigma of mental illness was so thick. Moreover, if the patient actually was not consulted, the patient will stay longer in hospitals and insurers also are the losers pay so much for something that actually can be handled with mengkonsulkan patient to a psychiatrist.
We expect this condition will be changed so that there is no discrimination against mental patients, regardless of type of disorder.
The Importance of Travel Insurance
As is known, when traveling, our bodies tend to be more susceptible to disease. This can happen because during the trip, our immune system tends to weaken due to lack of rest, lack of nutrient intake from the food we eat on the trip as well as differences in air temperature at the destination. Under these conditions, the various kinds of diseases can easily infect our bodies.
When our bodies become ill, then most likely going to cancel travel plans, or at least were not adjusted. Most of us, when traveling to foreign countries always have to prepare everything in advance. Already bought plane tickets, so with the inn. Now, with the rise of low-fare airlines, often in one of the requirements, we are not allowed to change the date of the flight for any reason. So, when we fall ill on the journey that resulted in the trip must be changed, our plane tickets already purchased are often so scorched because unused. As a result, we have to buy a new ticket. Well, unfortunately, if we buy tickets international flights a sudden, prices tend to be expensive at all. However, because there is no choice anymore, then we should buy it. Without coverage of travel insurance, travel insurance or travel insurance, we alone will bear the losses resulting from the cost of purchasing new airline tickets.
Another thing, which is still associated with the disease attacks abroad. If we get sick (can be caused by any cause) and must be hospitalized in a local hospital, you can imagine how much we should spend the cost for treatment. Moreover, the cost of hospital care abroad can be sure much more expensive than most hospitals in asia. So, who would bear those costs if we are not covered by insurance?
With a travel schedule disruptions caused by things above, other effects that must be considered is all inns we have a message, may be affected as well. Often, the biggest loss we experience when we would be traveling with a timetable to move cities / countries with a relatively short deadline in each city / country. For example, in a trip we are planning to visit 8 cities for 10 days. Now, while still serving the route day 4, we get sick so could not continue the journey to the city / country. Time-day journey that 6 days would result in significant losses that we must bear.
Usually, if we cancel the inn we have a message in advance of a sudden, there are two possible consequences that we must accept, namely: cost of lodging that we pay will be refunded with a high compensation costs, or even the worst, all our payments for lodging a charred alias no refund in any form. While on the other hand, we need to order a new inn until it was time we returned to their homeland. Without travel insurance, all that will be borne by us.
Another possibility is often the case in a way is, of flight delays that occur outside the schedule fixed by any cause. Well, if by chance we crowded travel schedule within 1 day where there is a possibility we must continue the journey to change planes several times, a delay could cause us to miss the next plane. If the airlines that we use for flight overalls came from the same company, there is a possibility we will be flown to the next plane. The problem is, when the canal plane that we use comes from a different airline. Financially disadvantage in this regard we must bear its own because we have to buy a new ticket, or even the worst, while waiting for the next departing plane, we had to rent hotel rooms to stay.
Whoa, it's things like this that often makes a journey to be 'called' ya ...
Which is often my own experience when traveling are, baggage delivery delays caused by faulty delivery. It sounds funny, but this often happens. Ever on the way to Perth (Western Australia) from Bali, my luggage was delayed for 4 days. The baggage was sent to me .... Tokyo, Japan! As a result, during these 4 days I have to buy clothes and toiletries new. Without travel insurance, of course, all fees must be my own responsibility.
There are many other benefits to be gained by equipping ourselves travel insurance when traveling. Compared with the risk that could happen to us when berperjalanan, the cost of travel insurance policy can be said is relatively cheap (prices start policy U $ 4 only!).
In fact, it is said .... one of the benefits of 'unwritten' that we do not often think of is: If we are planning to visit countries that require citizens of Asian countries to apply for a visa before departure (such as USA, Canada, Australia, Japan, Korea, Europe, etc.) , turned out by the embassies of the countries concerned, when we filed an application for a visa to include travel insurance policy, it is probable that our visa application will be approved. This is caused because of the embassy, we considered a serious candidate and professional travelers so they do not hesitate to issue a visa to go to his country for us.
When our bodies become ill, then most likely going to cancel travel plans, or at least were not adjusted. Most of us, when traveling to foreign countries always have to prepare everything in advance. Already bought plane tickets, so with the inn. Now, with the rise of low-fare airlines, often in one of the requirements, we are not allowed to change the date of the flight for any reason. So, when we fall ill on the journey that resulted in the trip must be changed, our plane tickets already purchased are often so scorched because unused. As a result, we have to buy a new ticket. Well, unfortunately, if we buy tickets international flights a sudden, prices tend to be expensive at all. However, because there is no choice anymore, then we should buy it. Without coverage of travel insurance, travel insurance or travel insurance, we alone will bear the losses resulting from the cost of purchasing new airline tickets.
Another thing, which is still associated with the disease attacks abroad. If we get sick (can be caused by any cause) and must be hospitalized in a local hospital, you can imagine how much we should spend the cost for treatment. Moreover, the cost of hospital care abroad can be sure much more expensive than most hospitals in asia. So, who would bear those costs if we are not covered by insurance?
With a travel schedule disruptions caused by things above, other effects that must be considered is all inns we have a message, may be affected as well. Often, the biggest loss we experience when we would be traveling with a timetable to move cities / countries with a relatively short deadline in each city / country. For example, in a trip we are planning to visit 8 cities for 10 days. Now, while still serving the route day 4, we get sick so could not continue the journey to the city / country. Time-day journey that 6 days would result in significant losses that we must bear.
Usually, if we cancel the inn we have a message in advance of a sudden, there are two possible consequences that we must accept, namely: cost of lodging that we pay will be refunded with a high compensation costs, or even the worst, all our payments for lodging a charred alias no refund in any form. While on the other hand, we need to order a new inn until it was time we returned to their homeland. Without travel insurance, all that will be borne by us.
Another possibility is often the case in a way is, of flight delays that occur outside the schedule fixed by any cause. Well, if by chance we crowded travel schedule within 1 day where there is a possibility we must continue the journey to change planes several times, a delay could cause us to miss the next plane. If the airlines that we use for flight overalls came from the same company, there is a possibility we will be flown to the next plane. The problem is, when the canal plane that we use comes from a different airline. Financially disadvantage in this regard we must bear its own because we have to buy a new ticket, or even the worst, while waiting for the next departing plane, we had to rent hotel rooms to stay.
Whoa, it's things like this that often makes a journey to be 'called' ya ...
Which is often my own experience when traveling are, baggage delivery delays caused by faulty delivery. It sounds funny, but this often happens. Ever on the way to Perth (Western Australia) from Bali, my luggage was delayed for 4 days. The baggage was sent to me .... Tokyo, Japan! As a result, during these 4 days I have to buy clothes and toiletries new. Without travel insurance, of course, all fees must be my own responsibility.
There are many other benefits to be gained by equipping ourselves travel insurance when traveling. Compared with the risk that could happen to us when berperjalanan, the cost of travel insurance policy can be said is relatively cheap (prices start policy U $ 4 only!).
In fact, it is said .... one of the benefits of 'unwritten' that we do not often think of is: If we are planning to visit countries that require citizens of Asian countries to apply for a visa before departure (such as USA, Canada, Australia, Japan, Korea, Europe, etc.) , turned out by the embassies of the countries concerned, when we filed an application for a visa to include travel insurance policy, it is probable that our visa application will be approved. This is caused because of the embassy, we considered a serious candidate and professional travelers so they do not hesitate to issue a visa to go to his country for us.
Why Insurance are so Important?
There is one thing that always faced by every human being in this world, which is the risk. The risk is always there because of our ignorance of the conditions that will occur in the future. Because it is so, they will make every choice into two sides that are running simultaneously and in tandem, ie the risks and benefits side. For example, if we decide to use a car, then we will avoid the risk of rain and heat. But we will meet with the risk of accidents and damage to the car. Another example, if we decide to work hard, then we probably would benefit by getting more money, but we are faced with the risk of disease due to lack maintain body condition. The question is whether the risk be reduced?
The concept of insurance came upon this need, in which every man needs peace in his life. And generally, people feel the serenity that when he realized that they were on the path that contain little or minimal risk. And the insurance business is to bridge this, where someone can divert dihadapinyake risk insurance company. To get coverage of the risks it faces, the person must pay a premium to the insurance company in which its magnitude depends on the size of the transferred risk to the insurer (insurance company).
Definition of general insurance is an agreement in which the person makes a bond with the insured to receive a premium to provide a reimbursement to the insured for any risk of loss, damage, or loss which may be experienced as a result of unexpected events.
By taking an insurance product, then someone will be more calm in their activities. One does not need to think about the risks that might arise from an event, because some of these risks have been transferred to insurance companies.
In this article will only be discussed further on insurance related to the man himself, such as life insurance, health insurance, and unit-linked insurance.
LIFE INSURANCE
Life insurance is the oldest insurance products in Indonesia. This type of insurance will provide some compensation sum to the beneficiary who abandoned if the client or the insured mennggal world either because of illness or accident. This insurance shall be held by someone in the productive and have a family. So if there something that is not desired, then the deceased would also leave and bequeath a sum of money sufficient to meet the housing needs tanga or run still run plan family members left behind, especially children.
Life insurance made up of a variety of products and enhancements (riders). Generally, life insurance is divided into 2 types, namely life insurance term life and whole life insurance.
Type of term life insurance to ensure policyholders are protected within a certain period, say 10 to 30 years. Example: Mr A type of term life insurance buy term of 20 years at the age of 29 years. Concerned will be protected by insurance until age 49 years. If the father died in the intervening 20 years since he took the insurance policy, then the soul will be given compensation to heirs. Conversely, if a father died at age 49 years have past (beyond the 20 years since the insurance policy was taken), it is concerned will not receive any compensation for the soul.
Type of whole life insurance (for life) to protect policyholders who died, not tied to the age of the death.
During the fixed insurance premium paid, the insurance policy will always provide protection. This type of insurance whole life more desirable by the society, especially also in insuring the children connect the value of the premium when a young age is quite cheap and this value remains the same during the life of the child until the age of adulthood.
Term life insurance types that have a certain period of time, offering a cheaper premium several times higher than whole life insurance types.
HEALTH INSURANCE
Health insurance risk transfer destined for hospital fees, examination fees, and treatment if an insured has a particular disease.
This insurance is felt necessary for people to expect certain standards of health care facilities that may be needed in the future. When this has been a lot of companies that provide health insurance facilities for its employees.
UNIT LINK INSURANCE
This insurance product is an insurance product which is a combination of various products of life and health insurance with investment features in one package. There are at least 3 (three) unit-linked insurance excess when compared with other types of insurance, namely investment pililhan diverse, a combination of insurance and an attractive investment in a single package, and a high level of flexibility.
In link unit customers are given freedom in choosing the type of investment. Whether customers prefer the kind of investment that has high risk, medium or low. In addition, customers are also given the freedom to change the allocation of funds in the future.
The concept of insurance came upon this need, in which every man needs peace in his life. And generally, people feel the serenity that when he realized that they were on the path that contain little or minimal risk. And the insurance business is to bridge this, where someone can divert dihadapinyake risk insurance company. To get coverage of the risks it faces, the person must pay a premium to the insurance company in which its magnitude depends on the size of the transferred risk to the insurer (insurance company).
Definition of general insurance is an agreement in which the person makes a bond with the insured to receive a premium to provide a reimbursement to the insured for any risk of loss, damage, or loss which may be experienced as a result of unexpected events.
By taking an insurance product, then someone will be more calm in their activities. One does not need to think about the risks that might arise from an event, because some of these risks have been transferred to insurance companies.
In this article will only be discussed further on insurance related to the man himself, such as life insurance, health insurance, and unit-linked insurance.
LIFE INSURANCE
Life insurance is the oldest insurance products in Indonesia. This type of insurance will provide some compensation sum to the beneficiary who abandoned if the client or the insured mennggal world either because of illness or accident. This insurance shall be held by someone in the productive and have a family. So if there something that is not desired, then the deceased would also leave and bequeath a sum of money sufficient to meet the housing needs tanga or run still run plan family members left behind, especially children.
Life insurance made up of a variety of products and enhancements (riders). Generally, life insurance is divided into 2 types, namely life insurance term life and whole life insurance.
Type of term life insurance to ensure policyholders are protected within a certain period, say 10 to 30 years. Example: Mr A type of term life insurance buy term of 20 years at the age of 29 years. Concerned will be protected by insurance until age 49 years. If the father died in the intervening 20 years since he took the insurance policy, then the soul will be given compensation to heirs. Conversely, if a father died at age 49 years have past (beyond the 20 years since the insurance policy was taken), it is concerned will not receive any compensation for the soul.
Type of whole life insurance (for life) to protect policyholders who died, not tied to the age of the death.
During the fixed insurance premium paid, the insurance policy will always provide protection. This type of insurance whole life more desirable by the society, especially also in insuring the children connect the value of the premium when a young age is quite cheap and this value remains the same during the life of the child until the age of adulthood.
Term life insurance types that have a certain period of time, offering a cheaper premium several times higher than whole life insurance types.
HEALTH INSURANCE
Health insurance risk transfer destined for hospital fees, examination fees, and treatment if an insured has a particular disease.
This insurance is felt necessary for people to expect certain standards of health care facilities that may be needed in the future. When this has been a lot of companies that provide health insurance facilities for its employees.
UNIT LINK INSURANCE
This insurance product is an insurance product which is a combination of various products of life and health insurance with investment features in one package. There are at least 3 (three) unit-linked insurance excess when compared with other types of insurance, namely investment pililhan diverse, a combination of insurance and an attractive investment in a single package, and a high level of flexibility.
In link unit customers are given freedom in choosing the type of investment. Whether customers prefer the kind of investment that has high risk, medium or low. In addition, customers are also given the freedom to change the allocation of funds in the future.
Insurance is the Solution for Self and Family
Insurance is on guard to face the future and build a network of financial security of yourself and family. No one of us can predict with certainty how long we live or how long we can continue working.
"Health is the greatest gift to man, but we can not predict when we are healthy and when it will hurt"
Have you prepare funds for your HEALTH?
"Education is the best legacy that can be given by us, as parents to our children"
EDUCATION FUND Have you prepare for your child, to realize his dream goal?
"Everyone would stop working and prepare your future as early as possible
Have you prepare?
All of the above definitely will happen, all depends on you, Everything is your choice.
Inevitably, Glad not happy, We Must Start preparing now.
Start from now, Start small, and start from yourself.
Vehicle and Home, you are insured for their economic value (price). But why when you buy insurance for yourself you choose the lowest one ..? Though insurance policy is a save by SMART, because since you first save, you are GUARANTEED to get a large amount of coverage FUNDS.
The best time to have a current insurance is still young and healthy.
"Health is the greatest gift to man, but we can not predict when we are healthy and when it will hurt"
Have you prepare funds for your HEALTH?
"Education is the best legacy that can be given by us, as parents to our children"
EDUCATION FUND Have you prepare for your child, to realize his dream goal?
"Everyone would stop working and prepare your future as early as possible
Have you prepare?
All of the above definitely will happen, all depends on you, Everything is your choice.
Inevitably, Glad not happy, We Must Start preparing now.
Start from now, Start small, and start from yourself.
Vehicle and Home, you are insured for their economic value (price). But why when you buy insurance for yourself you choose the lowest one ..? Though insurance policy is a save by SMART, because since you first save, you are GUARANTEED to get a large amount of coverage FUNDS.
The best time to have a current insurance is still young and healthy.
When Security Must be Purchased
Insurance is one type of business that is growing today. Insurance applicants are now increasing as more and no uncertainty of our daily living conditions that create a sense of security seems to be a rare commodity. Lots of quotes from various types of milling insurance companies approached. Ranging from life insurance, car insurance, home insurance, health insurance, education insurance, and various other insurance. In fact there are many Hollywood artists who insure (sorry) ass, legs, nose, and various other body parts. Afraid if one day the body was injured or wrinkles that could no longer be exhibited to the crowd. And should the body parts are sealed, not to be exhibited.
The rise of the use of insurance services is at least shows that it is now to get a sense of security must be by way of purchase. Do not have money, then do not expect any sense of security. Insurance business can grow well up to now not because they are able to offer a sense of security, at least according to their client safe. And a sense of security being sold is often so expensive.
How to a sense of security from scratch on the face or legs just a Hollywood actress willing to pay hundreds of millions of U.S. dollars or even billions of dollars. To scale most of us, often we do not really feel safe if the house or car we are not yet covered by insurance. but to pay the insurance premium range of personal items, we had to spend in deeply. Not to mention if we follow the life insurance, health insurance, and so forth. How expensive is a sense of security.
The rise of the use of insurance services is at least shows that it is now to get a sense of security must be by way of purchase. Do not have money, then do not expect any sense of security. Insurance business can grow well up to now not because they are able to offer a sense of security, at least according to their client safe. And a sense of security being sold is often so expensive.
How to a sense of security from scratch on the face or legs just a Hollywood actress willing to pay hundreds of millions of U.S. dollars or even billions of dollars. To scale most of us, often we do not really feel safe if the house or car we are not yet covered by insurance. but to pay the insurance premium range of personal items, we had to spend in deeply. Not to mention if we follow the life insurance, health insurance, and so forth. How expensive is a sense of security.
Confused Choosing Auto Insurance?
Many people do not know the importance of insuring the vehicle. Given the motor or car theft increase, also prone to accidents when driving.
Insurance companies generally quite a lot in Indonesia, you can choose according to your convenience. I want to share information about general insurance, especially for your personal vehicle.
There are several terms in the motor vehicle insurance you should know the definitions and benefits:
If you want your vehicle insured with various risk of accidents, then you should choose the coverage Allrisk.
The risk borne by insurers when you take allrisk coverage are:
a. hit by another vehicle anywhere
b. crashed into another vehicle or other object anywhere
c. scratched street singers
d. either stolen vehicle or stolen in part as the rearview mirror or other accessories are standard. If you are non-standard accessories, it should come insured.
Each report claims there Own Risk to be paid for $ 200,000 per occurrence. The purpose of this own risk, for any of your responsibilities in driving.
For some theft cases such as mirrors and other accessories you have to make a letter stating the police report the incident really open theft embezzlement.
And if your vehicle is lost also filed a police report if your vehicle is not stolen and embezzled a letter to be signed Units. This process is a bit long about a month to two months. And if within 3 months of unsuccessful vehicle is found, then the auransi transfer money at the time the vehicle is lost or the amount of coverage, whichever is smaller. To lose his vehicle Own Risk usually 5% of the value to be paid the insurance.
Usually almost every insurer is not willing to accept Allrisk Motor for coverage, because the risk is too great.
Insurance companies generally quite a lot in Indonesia, you can choose according to your convenience. I want to share information about general insurance, especially for your personal vehicle.
There are several terms in the motor vehicle insurance you should know the definitions and benefits:
If you want your vehicle insured with various risk of accidents, then you should choose the coverage Allrisk.
The risk borne by insurers when you take allrisk coverage are:
a. hit by another vehicle anywhere
b. crashed into another vehicle or other object anywhere
c. scratched street singers
d. either stolen vehicle or stolen in part as the rearview mirror or other accessories are standard. If you are non-standard accessories, it should come insured.
Each report claims there Own Risk to be paid for $ 200,000 per occurrence. The purpose of this own risk, for any of your responsibilities in driving.
For some theft cases such as mirrors and other accessories you have to make a letter stating the police report the incident really open theft embezzlement.
And if your vehicle is lost also filed a police report if your vehicle is not stolen and embezzled a letter to be signed Units. This process is a bit long about a month to two months. And if within 3 months of unsuccessful vehicle is found, then the auransi transfer money at the time the vehicle is lost or the amount of coverage, whichever is smaller. To lose his vehicle Own Risk usually 5% of the value to be paid the insurance.
Usually almost every insurer is not willing to accept Allrisk Motor for coverage, because the risk is too great.
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