The Procedures for Insurance | The ways to Choice do Insurance | Believe it or not, insurance is the only solution in the worst economic conditions though "A stable banks in an unstable financial world". And Procedures for Insurance Account Opening Safe, Comfortable and definitely Claim repaid into one thing that is very important to note.
Insurance is one of the components that you must have in the financial planning ANY PROFESSION & ECONOMIC STATUS you. Because insurance is the foundation of Association in a strong financial planning, in addition to the Emergency Fund. Dikala someone is experiencing a disaster such as illness, critical illness, accident, disability or death, the insurer who will be able to provide financial solutions to people he loves.
In order for insurance mannfaat can be enjoyed (read: easy and claims will be paid) there are things we need to know, namely:
1) Honesty (Utmost Good Faith)
In this case Prospective customers should provide the correct information, the data concerning the prospective customer in form filling Filing Asuaransi Soul. Including height and weight of customers, medical history that ever happened to the prospective customer before asking / unlock Insurance Account.
Once the prospective customer to provide information that really what it is, then the agent must write and transmit the information to the insurance company with the right (as informed by the prospective customer). From this information, then the insurance company will perform the underwriting process (selection), whether the prospective customer can instantly accepted as a customer, whether to perform medical first (usually cost free, the cost borne by the insurance company where you open), whether there will be exceptions. Furthermore, the results of the selection process will be delivered to customers, through agentnya. For that honesty is absolutely needed by the Prospective Client and Agent.
2) Investment
Insurance is an investment for the long term, not short-term (1 or 2 years). So if you are expecting the investment will grow in a short time, my advice you should not invest in this insurance (eg unit-linked). Because investment here for the long-term goals (7 years or be 10 years or older). Of this investment should never be touched, unless there are things that are important, and if mengambilpun (before 10 years), suggested taking the funds as needed.
The results of the variable nature of the investment, it can mean that the result is smaller than the illustration / proposal, it could also be the same or greater than the illustration / proposal submitted by the agent to the prospective customer. However, as a prospective customer, you can see the investment performance of previous years. And this could be your consideration although past performance is not a guarantee of future performance. When there is Agent / companies that promise results are certainly a percentage of the investment, it can be ascertained Agent / companies are lying to you. The results are certainly not the investment, but the benefits of protection. Benefits of protection is definitely what you'll get, according to the insurance contract (Example: If the hospitalized will receive compensation 1,000,000 per day then every time the customer is hospitalized regardless of the cost of hospital, you as a customer will get a compensation amounting to Rp 1,000,000.- x the duration of treatment).
3) Payment of Premiums
Premium Payment must be made on time so that the policy / account always inforce insurance (coverage is still running), or at least paid at the latest before the grace period ends. If payment is not made, the meal will happen lapse (Polis Cancel), as a result, then what happens when the risk of the insurance company will not cover or provide protection. And for at Prudential Provided leave premiums start of year 3. The premium is on leave for a time period in which the stop saving / paying premiums within a certain time period. And the period of leave this happens a risk premium, the Prudential STILL will provide appropriate compensation in the insurance contract.
4) Making Claims
CoHal easiest to do is contact your Agent, Agent good certainly always will assist you in the claims process. As soon as possible you also file a claim and complete data / conditions that prompted the filing of the claim. Before the Customer to make a claim, it is better researched in advance what the insurance products that are listed in the existing policy. It is very necessary, because each insurance product sold has different benefits. An example is if the purchase is the only casualty insurance products, wherein when the insured dies due to an accident will be given a sum of money which is listed on the policy. An insured who died not because of an accident (eg due to illness), then the insurance company will not pay anything to the heirs of the insured. If you purchased an insurance product can be claimed, it means insurance benefits listed in the policy according to claims filed, whether the claims of death, disability, illness and so forth.
Then, if the policy is still in force means the coverage is still running until the insured dies? If the policy had expired when the insured dies, the claim can not be filed. Or if the claim remains lodged, then the claim will be denied by the insurance company. When was the last payment made can be checked prior to the concerned insurance company office. We can continue the process, if the policy is still in force.
Next is to examine more closely the existing policy. In each policy must be a rule how to make a claim and what files are needed. If it is not clear, we can contact the agent / insurance company. And we can ask how long it takes to process claims payments begin when the necessary paperwork is completed and accepted by the insurance company. Each insurance company has different procedures for handling claims, ranging from the procedures and processes required length. We can ask for more detail on the part of the claim.
After all the necessary files are complete, customers can come to the office designated insurance, for example in the branch office where we buy the insurance product or other office designated by the insurance company.
5) Reputation Services
Try to check to several hospitals, where the service is good insurance, from there you will get answers that can be justified.
6) Financial Reputation
Assessing the financial reputation is to assess the company's financial statements could you ask for or you see in print and in electronic media. Assess how much of the company's capital strength compared to other companies. Also how good value the cash flows of the company. In the world of insurance, the technical term or Risk Based Capital RBC. It is a way to assess your health insurance company.
Choose RBC Insurance Company that has 120% or more. If you are confused about what it RBC, RBC enough just ask how your insurance company to your insurance agent. If more than 120%, it means good. Less than that, better find another.
7) Read and Understand Your Policy Contents
Usually after you received so insurance customers, a short time later you will get a policy as an insurance contract. Customers are given the opportunity to study the policy within a certain time period. And in the future to study the policy could dissuade customers as a customer with a way to restore the policy and money back guarantee. When in the policy you find things that are poorly understood, ask the agent to assist in understanding the contents of the policy.
8) Be careful with the agent that gives Discounts on.
Service / service will certainly be discounted also by the Agent that provide discounts. Ga you want it, has Agent with patchy service. So, do not be easily persuaded by Agent seduction that gives you a discount. Let us eradicate Agent "Naughty".
Congratulations Insurance wisely
Hi. I’m Designer of Blog Magic. I’m CEO/Founder of ThemeXpose. I’m Creative Art Director, Web Designer, UI/UX Designer, Interaction Designer, Industrial Designer, Web Developer, Business Enthusiast, StartUp Enthusiast, Speaker, Writer and Photographer. Inspired to make things looks better.
Blogger Comment
Facebook Comment