Choosing Health Insurance

Willing umbrella before it rains. That phrase is appropriate to have careful planning in anticipation of the worst possibilities, including in terms of health financing. In an age which is totally complex, have health insurance seems more important considering the cost of care and treatment of disease is getting more expensive and unpredictable.


However, choosing the right insurance also is equally important so that you are not harmed in the future. Well, here is a brief exposures within the rubric of Dr. Samsuridjal Djauzi health consultation that was published Kompas, Sunday (22 / 6).Dr. Samsuridjal revealed his views about what to consider before selecting a health insurance:

 Question:

My in-laws 61-year-old traffic accident and need to undergo brain surgery. Thankfully the operation went well and he is healthy again. Only, he was forced to deplete savings he collected for years because of hospital expenses reached USD 20 million. I can not imagine if he had no savings, how the difficulties to be faced. I just got married a year ago. Although our new family, we are planning a health insurance clients. We feel that today's health care costs increasingly expensive and those costs can not be predicted. We have insured cars, because it rightly, we also entered the health insurance. Is not health is a precious blessing of God that need to be maintained at all times?

It's long enough that we plan and health insurance we have contacted several companies. However, we still have difficulties in choosing health insurance. We're being cautious because we're afraid the wrong choice. In terms of our funds have clearances. My wife and I worked so has the spaciousness of funds to pay insurance premiums.

We are especially careful after hearing many complaints an insurance participants were disappointed with health insurance services in Indonesia. Some acquaintances we even chose to go on the consideration of foreign health insurance is more reliable and more extensive coverage of its services. Apparently health insurance services in Indonesia dubious. What was promised was not in accordance with the services provided.

He said, at the time described the officers insurance policy offers all easy. If enough customers get sick just thinking about his illness and the insurance company that will clean up all the costs. In practice, many exceptions that must be considered.

As a doctor who often serve patients who have health insurance, whether the doctor can recommend a good health insurance company? What should be considered before choosing a health insurance? Doctor's advice we needed because my field is finance, while the architect's wife. So, we do not understand the health insurance.Thanks for the explanation of the doctor.

Answer:

Your intentions and wives have very good health insurance. One of the problems in our health services are health care financing. Approximately 70 percent of Indonesian people to fund their own doctor or hospital costs, while health costs continue to rise.Increasingly sophisticated medical technology increasingly expensive health care costs.

Increased health costs not only happen in Indonesia, but throughout the world. Factors that increase the cost is the price of medicines, medical equipment, as well as physician fees, physician fees although the actual element is just a small part of overall health costs.

Although we have been maintaining good health with caution, the disease can occur without warning. Traffic accidents such as experienced in law, for example, an occurrence that is common to families in Indonesia, even approximately 30,000 people die each year because of traffic accidents. So, it is very wise to familiarize yourself Indonesian families protect themselves with health insurance.

By regularly pay a premium, if fallen ill with the assistance of health insurance so that no incriminating family expenditure. We often see families who have to pay fees owed to the hospital.

Actually, in my experience, today's health insurance in Indonesia has been quite good. Support health insurance will depend on agreements between customers and insurance companies. The greater the premium paid more complete support for insurance.

Therefore, you need to look at the support of health insurance coverage before choosing health insurance. Does coverage include outpatient services and hospitalization? Is there a particular disease that is not secured by insurance companies?

Also worth noting where the service. Are you able to choose doctors or hospitals you want or are limited to a designated hospital? All must be considered, including when the effective guarantee applies. For example, there are certain health insurance just beginning guarantee after 30 days after signing the agreement.

Health insurance services are now very diverse. In addition to offering financing guarantees when ill, there is a combine with certain services, such as the premium paid in part will be treated as savings or investment.

Obviously this offer attractive, but usually offered insurance premiums will also be larger. In addition, they are actually participating in the younger age insurance program would get some ease, for example, unnecessary medical examinations and also to remember insurance premiums will increase with increasing age of the customer. So, get health insurance at a young age.

Although you and your family will already be a customer of health insurance, healthy lifestyles should still be carried out. It's certainly a better fit than the costs borne illness despite medical insurance. So, do not leave a healthy lifestyle has become a customer even though health insurance.

I understand the challenges facing Indonesia today's young families. I feel happy to place the health of your family as important elements that need attention. Well, I hope you and your family will be healthy and happy always. (Dr. Samsuridjal Djauzi)

Source : http://nasional.kompas.com/read/2008/06/22/14430512/memilih.asuransi.kesehatan

CEO Baru Allianz Life Indonesia

Joachim Wessling, New CEO for Allianz Life Indonesia with Craig Ellis, Regional General Manager (Right) and Jens Reisch, CEO Allianz Malaysia (Left)

Allianz has appointed Joachim Wessling as new CEO of Allianz Life Indonesia. The appointment is subject to regulatory approval. Joachim Wessling has collected comprehensive experience in senior positions for Allianz over the last 28 years. Most recently, he served as the CEO for Allianz’ business in Ukraine.  Joachim will succeed Jens Reisch, who is heading Allianz’s business in Malaysia.

Accident Insurance

Accident insurance provides a cash cover to a policyholder when s/he suffers injuries as a result of an accident. While insurance helps a policyholder pay off hospital and medical bills in case of accident injuries, it provides cash benefits to family members if the policyholder dies in the accident. This insurance, applicable 24 hours a day, 365 days a year, is also commonly referred to as personal accident insurance

Under personal accident insurance, the policyholder, if injured, receives cash benefits every month, just like income, for as long as s/he is unable to work due to the accidental injuries. This income is non-taxable and does not exceed the policyholder’s after-tax earnings minus the state benefits s/he can claim. In case of death of the policyholder due to an accident, the family receives a specific lump-sum amount.

There are eight common types of personal accident insurance policies: 

Individual: This policy can be taken by any individual. The benefits usually enclose partners and children. Since several activities are excluded from this policy, it is not as useful for people who love adventurous sports, like mountaineering and rock climbing.
Children: The purpose of this policy is to provide financial help to parents if they are unable to work or if they incur expenses as a result of an accident.
Group: This policy is used by companies to cover employes for expenses related to accidents.
Self-employed: Since self employed individuals are not eligible for employee benefits, they are worse off when injured in an accident.
Team: Through a team accident insurance policies, organizers can seek cover for all the members of a sports team.
Professional: This policy is specifically for self employed professionals, such as a sportsperson, actor, lawyer or doctor, who have special requirements.
Over 50: This policy targets people over 50 years of age, as accidents can cause more grievous injuries to them.
Travel accidents: This policy offers benefits in case the policyholder meets with an accident while traveling.

There are varied accident insurance policies to suit different needs. One should understand and choose the policy with utmost care.

Property Insurance

Property insurance is a form of insurance which protects a building and its contents. There are a number of types of property insurance available on the market, and when purchasing this insurance product, people should definitely consult an insurance agent to confirm that they buy a product which is suitable for their needs. When discussing insurance needs, people should be explicit about the type of insurance they want and the level of coverage they need.

In an open peril property insurance policy, any form of damage which is not specifically excluded in the policy is covered. Named peril policies spell out a list of potential causes of damage which are covered. Propertyinsurance can be specialized, as in the case of earthquake, flood, fire, boiler, and theft insurance products. Theproperty insurance policy will usually contain very clear language about exclusions, and exclusions can vary depending on where someone lives and what type of policy it is.

Property owners commonly purchase property insurance which will allow them to replace a structure in the event that they experience a fire, earthquake, flood, or similar catastrophe. This type of property insurance may specifically exclude the contents of the building, or it may exclude certain types of contents. For example, fixtures may be covered, but movable property may not be. Separate policies are available for residential, commercial, and industrial properties.

Tenants can also buy property insurance. Commercial and industrial tenants commonly purchase insurance so that in the event that their inventories are damaged, they can replace them. Because a business can have large amounts of capital tied up in inventory and equipment, such losses could be catastrophic without insurance to cover them. Residential renters can also benefit from property insurance, although many are uninsured. Renters are sometimes astounded to learn how much it will cost to replace their possessions after a flood or fire withoutinsurance to cover the loss.

Before buying property insurance, tenants should ask their landlords about the policies already out on theproperty, and what is covered under those policies. There's no point in overinsuring a building and its contents, and a landlord may have advice about insurance agencies or companies for the tenant.

All About Home Insurance

Residence insurance isn’t a specific insurance type, but simply refers to any type of homeowners policy that you purchase to protect the financial investment you've made in your abode.

What it Covers

This type of plan is often referred to as a "package policy." That's because it provides coverage for:

1. Damage to the structure of your home
2. Damage to your personal belongings
3. Additional living expenses if you're temporarily unable to live in your home after it's been damaged
4. Liability if someone is injured on your property

Of course, the specifics of these coverages are determined by what kind of policy you have and how much you've insured your home for. To help you figure out what kind of policy you need, let's take a look at some general coverage options.

Coverage Options

As you shop for home insurance, you'll notice there are a handful of policies from which to choose.

According to the Insurance Information Institute (III), the most common examples include the following:

Limited (HO-1): This bare bones policy covers 10 perils, including damage caused by fire, smoke, lightning, theft and vandalism.

Basic (HO-2): This policy covers 16 perils, including damage caused by the weight of snow and ice, frozen pipes and other accidental water damage from appliances.

Special (HO-3): This is the most popular residence insurance policy, as it covers all perils, except for damages from flood, landslide, mudslide, and war.

It's important to remember that this is not an all-inclusive list; there are other comparable residence insurance policies available for other types of homes, such as condos, mobile homes or historic homes.

Levels of Coverage

Once you've decided which type of policy is right for you, you'll need to consider the level of coverage you need: actual cash value, replacement cost or guaranteed replacement cost.

Actual cash value: This level of coverage pays to replace your home and possessions, minus depreciation. That means if you bought a laptop two years ago for $1,200, you probably won't be reimbursed the full $1,200.

Replacement cost: This level of coverage pays to replace your home and possessions without a deduction for depreciation. This means if you can show you paid $1,200 for your laptop, you'll be reimbursed for that amount (up to your policy amount).This is the most popular level of residence insurance coverage.

Guaranteed replacement cost: This level of coverage pays whatever it costs to rebuild your home and replace your possessions—even if it exceeds the policy limit. As protection is concerned, this offers the highest level of coverage.

Saving Money 

Whether you live in a house, mobile home or condo, you can save on residence insurance by:

Shopping around. Online shopping sites like InsureMe.com allow you to compare multiple quotes from local insurers to find the policy that's right for you.

Increasing your deductible. Agreeing to pay more out-of-pocket on claims will automatically shrink your premium. Just remember to choose a deductible you can afford!

Combining your home and auto polices. Most insurers give a nice discount to homeowners who insure their vehicles with the same company.

Making home repairs. If you've recently replaced your roof, upgraded your plumbing, or purchased a new heating system, you may be eligible for a discount!

Installing electronic alarms and fire safety equipment. Make sure to tell your agent if you have an electronic anti-theft alarm, sprinklers or live near a fire department. All of these things may be worthy of a premium discount.

Source info : http://www.insureme.com/home-insurance/residence-insurance