99 years of health insurance, select Link units or soul?
Good life insurance, as well as link units, are both suitable for people who are already aged. As a customer, you must understand the difference both in order to get the product that suits your needs. Definitively there fundamental differences between the two are:
Life insurance is insurance that aims to take away against unexpected financial losses caused by the insured died too quickly or his life for too long.
Insurance link units are the product of a life insurance company has the function of protection and investment. This type of insurance also provides additional benefits (rider) in the form of protection against health risks.
So the new life insurance benefits can be felt when the insured dies while the insurance link units can be felt as long as participants join the insurance program. Insurance link units themselves also in the form of life insurance with additional health protection benefits. Other differences are:
Life insurance benefits can be taken after the insured reaches the age of 99 years or died before that age. With conditions like this then the cash savings can be taken.
Life insurance benefits can be obtained in accordance with the above provisions, while other benefits could be taken should not join the provisions above.
Understand Insurance Products before deciding to use it
In the application form submitted an insurance agent will be given an overview of the payment period or a long period of time along with the policy coverage. If interested, ask for an insurance agent to explain in detail. In fact, some of the clients who take the extra service less understand what does the coverage and scope of protection of this feature.
Usually when choosing an insurance policy with a premium payment for 10 years most of us will think we will cover at the ter-Health Affairs forever. In fact, the protection has a certain time-limit. Please read again the provisions of the insurance policy you take.
The magnitude of the money paid monthly premiums will increase as you get older. Getting older so growing it is based on the possibility of the disease or the risk of attacking a ripe old age.
Nominal money premiums for health insurance payments usually are changed periodically. Usually, there will be negotiations again between clients with agents in the premium payment plan. In choosing insurance or health insurance link units to ask the insurance agent about additional features that you will take, such as accident and illness protection.
Illustration Insurance up to 99 Years, life insurance and insurance Link units
The insurance product is indeed the most creative and many of his model. Don't get confused and wrong about choosing products according to your needs. One of the products marketed and often confused are 99 years of insurance, life insurance, and unit link. The concept of this product as described above. To more easily understand it, in the following illustration:
A father taking pure health insurance products. Because pure health insurance then if there is a risk of death for example, then there is no sum assured is paid to the customer or in other words there is no inheritance given them to his son if the father died. The father also must pay health insurance for life.
If the father wants to get protection while saving, they can use the types of life insurance with additional benefits in the form of health protection. This type of insurance called unit links with marketing language giving health protection until the age of 99 years. After 99 years of age, benefit money savings can be taken.
Still confused as to want to choose the insurance product is right? A large number of insurance products to make you have to be observant. To ease some of the tips below can help you choose the right kind of health insurance.
More and more health insurance products and features often leave us confused. Understand the financial capability and their needs back respectively.
The easiest example usually uses the facilities of the rooms to suit the needs of the client (for example, room class I facilities, medicines and doctor visits in one day, in particular, RS Rp 200,000) after that select the appropriate assurance.
Consider the benefits of the insurance for you. Example: the presence of large amounts of funds availability and always ready at all times to facilitate the payment of maintenance. Make sure the requirements while taking these funds is also easy. For example: attach some receipts, ID CARD and proof of authentic related.
Select the insurance that clearly provides the services within easy reach or is around the residence. Because of not all insurance in collaboration with the Institute of health care. Understand also the type of treatment given party health services. Generally, there are two types of treatments offered insurance
Same with the explanation in the previous article. Premium payment is 10% of your monthly income. Some cheap premiums do not fully provide full coverage.
Find out about the experience of the insurer-insurance that we have in mind in to handle health insurance services on clients before. Don't quickly attracted by cheap premiums. Every company has a policy of each in providing customized wellness facilities with a large range of premium clients.
Be careful with the offer premium prices because the insurance company reimbursement systems typically use when clients claim that make clients pay a fee at the beginning of treatment. Sometimes if not wearing the system, the client a bit was compounded when filing a claim in a given time. In this case, the many consumers who are less understanding. Thorough back before acting
The number of available insurance company makes us to carefully select insurance. Don't be tempted by an offer from one object only. dig up as much detail as possible the information each company and compare it to other companies.
Compare the range of monthly premiums, the type of treatment, the system claims, service provider or health care providers who work in insurance coverage, along with other features of the health insurance.
Befitting a salesman or salesgirl who offers their products directly to the consumer. Insurance agents are also doing so. There is also a corporate party contact clients by telephone or telemarketing. Because of limited time, often an explanation of insurance products less detail so that resulted with the disappointment of the client against a service that is not appropriate.
Check the security and privacy of the company. Make sure you are not being "duped" given the insurance is also an asset of the future with no small amount of nominal.
In need of comprehensive insurance benefits with a budget that is "friendly" in the bag, it will be good you choose pure health insurance. In addition to insurance premiums, insurance is the focus of your health problems. Consult first with your financial experts or relatives more experienced with insurance.
In general, there are two types of products that are often offered by a provider of health insurance.
These products provide reimbursement of expenses in detail and detail of all costs that we use for medical treatment in the health service. Such as hospitals.
The system used is the claim of non-reimbursement or cashless i.e. medical expenses will be reimbursed the insurance payment is usually done with the client how to swipe the card of health insurance by the hospital or health service a type.
An insurance product that provides a replacement against nominal which corresponds to the agreement at the beginning of the registration of this insurance policy. Example: If you select a nominal of Rp 250,000 per day for treatment at the hospital. Then the amount that will be given, regardless of the range of costs that come out that day. In other words, you only receive Rp 250,000 per day.
The system claims reimbursement is used i.e. the customer pays the cost of care or medical treatment his first independently and then will be reimbursed by insurers after filing apply client reimbursements.
Customize to your needs
After getting the full picture of what insurance product you should take. The next most important thing is to choose carefully and decide for sure. A wise decision is not done in a hurry. Ask back on yourself, what you really need.
Life insurance is insurance that aims to take away against unexpected financial losses caused by the insured died too quickly or his life for too long.
Insurance link units are the product of a life insurance company has the function of protection and investment. This type of insurance also provides additional benefits (rider) in the form of protection against health risks.
So the new life insurance benefits can be felt when the insured dies while the insurance link units can be felt as long as participants join the insurance program. Insurance link units themselves also in the form of life insurance with additional health protection benefits. Other differences are:
Life insurance benefits can be taken after the insured reaches the age of 99 years or died before that age. With conditions like this then the cash savings can be taken.
Life insurance benefits can be obtained in accordance with the above provisions, while other benefits could be taken should not join the provisions above.
Understand Insurance Products before deciding to use it
In the application form submitted an insurance agent will be given an overview of the payment period or a long period of time along with the policy coverage. If interested, ask for an insurance agent to explain in detail. In fact, some of the clients who take the extra service less understand what does the coverage and scope of protection of this feature.
Usually when choosing an insurance policy with a premium payment for 10 years most of us will think we will cover at the ter-Health Affairs forever. In fact, the protection has a certain time-limit. Please read again the provisions of the insurance policy you take.
The magnitude of the money paid monthly premiums will increase as you get older. Getting older so growing it is based on the possibility of the disease or the risk of attacking a ripe old age.
Nominal money premiums for health insurance payments usually are changed periodically. Usually, there will be negotiations again between clients with agents in the premium payment plan. In choosing insurance or health insurance link units to ask the insurance agent about additional features that you will take, such as accident and illness protection.
Illustration Insurance up to 99 Years, life insurance and insurance Link units
The insurance product is indeed the most creative and many of his model. Don't get confused and wrong about choosing products according to your needs. One of the products marketed and often confused are 99 years of insurance, life insurance, and unit link. The concept of this product as described above. To more easily understand it, in the following illustration:
A father taking pure health insurance products. Because pure health insurance then if there is a risk of death for example, then there is no sum assured is paid to the customer or in other words there is no inheritance given them to his son if the father died. The father also must pay health insurance for life.
If the father wants to get protection while saving, they can use the types of life insurance with additional benefits in the form of health protection. This type of insurance called unit links with marketing language giving health protection until the age of 99 years. After 99 years of age, benefit money savings can be taken.
Tips on choosing the right insurance product
Still confused as to want to choose the insurance product is right? A large number of insurance products to make you have to be observant. To ease some of the tips below can help you choose the right kind of health insurance.
- 1. Customize your Needs
More and more health insurance products and features often leave us confused. Understand the financial capability and their needs back respectively.
The easiest example usually uses the facilities of the rooms to suit the needs of the client (for example, room class I facilities, medicines and doctor visits in one day, in particular, RS Rp 200,000) after that select the appropriate assurance.
- 2. consider the benefits you receive
Consider the benefits of the insurance for you. Example: the presence of large amounts of funds availability and always ready at all times to facilitate the payment of maintenance. Make sure the requirements while taking these funds is also easy. For example: attach some receipts, ID CARD and proof of authentic related.
- 3. Knowing the scope of Cooperation with the institutes of Health Insurance
Select the insurance that clearly provides the services within easy reach or is around the residence. Because of not all insurance in collaboration with the Institute of health care. Understand also the type of treatment given party health services. Generally, there are two types of treatments offered insurance
- Inpatient
- Outpatient
- Childbirth and dentistry (* asuras. Example: BPJS)
- And other services
- 4. adjust the Financial situation
Same with the explanation in the previous article. Premium payment is 10% of your monthly income. Some cheap premiums do not fully provide full coverage.
- 5. Pay attention to the credibility of the company
Find out about the experience of the insurer-insurance that we have in mind in to handle health insurance services on clients before. Don't quickly attracted by cheap premiums. Every company has a policy of each in providing customized wellness facilities with a large range of premium clients.
- 6. make sure the ease of filing a Claim
Be careful with the offer premium prices because the insurance company reimbursement systems typically use when clients claim that make clients pay a fee at the beginning of treatment. Sometimes if not wearing the system, the client a bit was compounded when filing a claim in a given time. In this case, the many consumers who are less understanding. Thorough back before acting
- 7. Compare the return with insurance products from other companies
The number of available insurance company makes us to carefully select insurance. Don't be tempted by an offer from one object only. dig up as much detail as possible the information each company and compare it to other companies.
Compare the range of monthly premiums, the type of treatment, the system claims, service provider or health care providers who work in insurance coverage, along with other features of the health insurance.
- 8. avoid insurance companies that provide the services As Tele-Marketing
Befitting a salesman or salesgirl who offers their products directly to the consumer. Insurance agents are also doing so. There is also a corporate party contact clients by telephone or telemarketing. Because of limited time, often an explanation of insurance products less detail so that resulted with the disappointment of the client against a service that is not appropriate.
Check the security and privacy of the company. Make sure you are not being "duped" given the insurance is also an asset of the future with no small amount of nominal.
- 9. choose Pure health insurance * (optional-if you just want to focus on Financing Your medical treatment)
In need of comprehensive insurance benefits with a budget that is "friendly" in the bag, it will be good you choose pure health insurance. In addition to insurance premiums, insurance is the focus of your health problems. Consult first with your financial experts or relatives more experienced with insurance.
- 10. Understand the types of products that Facilitated health insurance
In general, there are two types of products that are often offered by a provider of health insurance.
- Hospital Benefit
These products provide reimbursement of expenses in detail and detail of all costs that we use for medical treatment in the health service. Such as hospitals.
The system used is the claim of non-reimbursement or cashless i.e. medical expenses will be reimbursed the insurance payment is usually done with the client how to swipe the card of health insurance by the hospital or health service a type.
- Hospital Cash Plan
An insurance product that provides a replacement against nominal which corresponds to the agreement at the beginning of the registration of this insurance policy. Example: If you select a nominal of Rp 250,000 per day for treatment at the hospital. Then the amount that will be given, regardless of the range of costs that come out that day. In other words, you only receive Rp 250,000 per day.
The system claims reimbursement is used i.e. the customer pays the cost of care or medical treatment his first independently and then will be reimbursed by insurers after filing apply client reimbursements.
Customize to your needs
After getting the full picture of what insurance product you should take. The next most important thing is to choose carefully and decide for sure. A wise decision is not done in a hurry. Ask back on yourself, what you really need.
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