All About Insurance

The insurance product is a financial product that is useful to protect you from the risk of financial loss that occurs in life. Related to the proficiency level, the protection provided insurance will certainly make you think more calm and able to work optimally. Who could have thought that one day suddenly our house fire, or you are certain diseases that require treatment at a cost that is not cheap. Can not be right? All these risks should we manage to avoid in financial losses. So buying an insurance policy is the most appropriate choice. Well here are five types of insurance products that are important to have. 1. Health Insurance Health insurance is an insurance product that provides protection against health risks with various schemes and selection of insurance benefits. Currently, the government has had a health insurance program for all people of Indonesia through the National Health Insurance program administered by the Social Security Agency of Health (Health BPJS). Y...

As an employee, you should prepare yourself with health insurance. Why? First, the cost of treatment is constantly increasing and the disease can be approached at any time. Second, health insurance will provide financial security when you get sick or have an accident. Thus, the cost of treatment in hospital will be borne by the insurance company under the terms of the agreements in the policy. Well, from the number of health insurance products in circulation today, which one should you choose? If you are still confused, here are 10 tips that will help you choose a good health insurance. 1. Understand The Type of Health Insurance Products Broadly speaking there are two types of products offered by health insurance companies, the hospital and hospital cash plan benefits. Types of insurance products benefit provides reimbursement of hospital costs in detail on a wide range of costs that we spend in the hospital during treatment. The system used is a cashless claims or non-reimbursemen; us...

Often people listen about insurance and partly understand the definition and purpose of the insurance. The insurance is supposed understood completely, and people can do with a more objective assessment. And, they can decide what's best for themselves. Insurance or coverage is an agreement between two or more parties, with which the binding to insured to receive insurance premium, to reimburse the insured for loss, damage or loss of expected profit, or legal liability to third parties which may be suffered insured, arising from an uncertain events, or to provide a payment based on death or life of an insured person. In a sense, insurance has four basic principles, namely: 1. Indemnity On this principle, the insurer is willing to pay no more than the actual value that should be borne by the insured. This principle was made on the grounds. First, the purpose of the insurance contract is to restore the same economic position when the loss has not yet occurred. Second, the insured does...

Insurance can be interpreted as an attempt by someone to minimize risk. In other words, all the things we do or what-anything that contains risk can basically be insured. The following will be reviewed about the kinds of insurance that are often used. Health Insurance This insurance can be categorized as a type of insurance that is most easily and commonly found in the community. Health insurance is usually provided by the company or institution where a person bekarja. Examples of health insurance that can be selected is hospitalization insurance in the hospital with two kinds of protection that is protection with card system and protection of the reimbursement system. The first type of protection in the sense that if the policyholder hospitalized, then the payment process can be done only by showing the card provider. Furthermore, the insurance will pay the entire cost of the hospital, medications, doctor visits, surgery and others. Protection with a reimbursement system requires the ...

Having a home that suits would be the dream of many people, but to make it happen must necessarily be the extra effort. You can not just stand by and wait for the person who will inherit his entire estate to you, it's just a mere hoax. Home prices are more expensive in proportion to the density of residential land increasingly narrow and hard to find. With salaries barely fit, the desire for home became increasingly difficult to be realized. But you do not have to worry about and concerned with wise financial planning, it has become increasingly easy dream home materialize. There are several things you should do to realize your desire to have a dream home: The savings in every way Making savings in all things would be very important to realize your desire to have a dream home. Reduce the habit of eating outside the home, to cook your own food would produce a much healthier and cleaner. When you have become an active smoker, then reduce or eliminate the habit. You can calculate how ...

Many of you are probably still did not have an idea of ​​what will be discussed in this article. Let's start by describing the definition first. Financial Accounting Standards (IFRSs) is a framework in the financial reporting procedures to enable the uniformity in the presentation of financial statements. SAK is the result of the formulation of the principal Committee of Accounting Indonesia in 1994 replaces Accounting Principles GAAP in Indonesia in 1984. Indonesia is applied on the existing accounting standards such as IAS, IFRS, ETAP, GAAP. There was also SFAS Sharia and SAP. SAK serves to uniformity financial statements, in addition, SAK also serves to facilitate the preparation of financial statements, auditors and makes it easier for the reader of financial statements to understand and compare the financial statements of the entity that is different. There are several explanations of many kinds of Financial Accounting Standards. IAS-IFRS IAS - IFRS stands for Statement of Fin...

Tips on choosing the affinity program for your company will be very helpful. Especially if you're still relatively new in the world of insurance. Ensure the safety and welfare of employees in large quantities is certainly not easy. Thus, you can not be careless in choosing an insurance agent or affinity. Consider these points so that the safety of employees and your company well secured. Doing Research Against the Company After finding a few candidates that fit, did extensive research on reputation. One characteristic of a good insurance company is already registered in the Ministry of Finance. In addition, you can assess the performance of some of the awards they earn. Feedback or review of members who use the services of insurance can be your consideration in choosing. Have the Insurance Guarantee Complete In this case, you must select affinity or insurance programs to meet the needs. Among other health care costs such as hospitalization, outpatient care, childbirth, medical chec...

Health is something that is expensive has been a major priority for many people so that more people who start to maintain their health insurance then realized to have the best considering health costs are not cheap and feels heavy to pay if we do not take into account early on. Moreover, to maintain the health of the baby is still a toddler of course insurance is an appropriate solution to address the need for health care for the baby that is still vulnerable to health problems.  In this case take a few tips so you can choose the right insurance for your children into consideration before you buy this type of insurance for toddlers. Understand the babies' health insurance is insurance that is providing facilities and services to support the health needs of the baby such as vaccinations, outpatient or inpatient. The big name companies entered into an important part to consider because a large company can become a benchmark of professionalism in processing incoming claims. Get inform...

Personal Accident Insurance (Personal Accident Insurance) - Accidents caused by transportation lately increasingly, even the NTSC (National Road Safety Committee Chairman transportation) recorded death toll from a mode of transportation accidents in 2011 increased by 174 percent when compared to 2010. Most of these accidents caused by human error factor of 52%. While technical factors reached 42% and 6% environment. Certainly no one expects the arrival of a disaster or become a victim of an accident, but the unexpected can happen anytime and anywhere. It's good that we know what personal accident insurance article? Personal Accident Insurance (Personal Accident Insurance) is a life insurance product that provides protection accident if the insured had an accident that resulted in death or permanent disability all or part of limbs. Benefits and Protection of Personal Accident Insurance (Personal Accident Insurance) If you died in the accident insurance period, the beneficiary will r...

Cost of living is increasingly high, leading many to choose insurance at a young age. Surely this would be good for, because usually choose exactly insurance at a young age. Choosing health insurance, for example, it is appropriate at a young age to apply for this insurance, because it is very useful for savings in the future of course. Choosing health insurance is certainly not only at a young age, there are some tips you need to consider before choosing and buying this insurance, namely: Choose Health Insurance Still Healthy When Choosing health insurance is a good idea at the time was physically and mentally healthy, this is because the insurance company will reject the application for insurance you ask when you're sick. Because as we all know, insurance is something that might be harmful or beneficial to its customers. Choose A Policy for Shared For those of you who want to choose a health insurance plan, there is no harm to apply one policy choice with family. Because for thos...

The economic crisis can hit any country in the world, including Indonesia. The crisis will have an impact on all aspects which lead to higher prices in the market economy is also included health care costs will continue to experience the impact of the crisis. The role of insurance in times of economic crisis is very helpful at a time when a person has to undergo medical treatment in hospital. With the cost of the policy is paid each month, customers will have the benefit of insurance so it does not need to sell it to pay for the hospital. Large companies such as Prudential Insurance, Commlife, and AIA is a company that many in the community believe the insurers Indonesia as a responsible and professional. It's good at a young age we signed as insurance customers in the next 10 years so we have enough savings to be made in venture capital also get covers to old age. The amount of savings in the investment policy we can set, such as the example of the cost of 500 thousand rupiah can ...