1. COMPANY that offers insurance ..
Kind / type of company:
- International Subsidiaries
- A company of Home Affairs / state?
- There is a part of the division of a bank.
- Joint Venture between international companies and banks in the country.
The decision is on parents to choose. There is an appropriate preferred religion, there is something more like an international company. Many people prefer the companies that have international names, because although the branch in Indonesia closed we can still make a claim to the head office or branch in the country we can lainpun claims. Should not be too trusting with the insurance company's rating. Because these ratings vary and are adjusted with a 'magazine' or 'surveyor' creators, even in what might somehow rank, but still proud! This ranking should not be used as the main factor.
2. INSURANCE CAN BE TAKEN WHEN
In this case there are two kinds;
- Can be taken if the child is born; and
- Can be taken even if the unborn child
Most people take the second option because if something happens to the father before the child was born or something happens when giving birth, who we have collected funds and equipment can be disbursed.
3. The benefits
a. Most Insurance Life Insurance Education accompanied Insured, meaning if the insured (eg father) died, the heirs will receive 100% Sum Assured in addition to the cost of education itself. For this life insurance .. ask your agent / consultant, whether it's still 100% of it will be accepted if the insured died after the payment of premiums or the policy ends? Because there are (many) companies that only pay if the death during the premium payment.
b. The benefits of education costs
There are companies who will return all premiums already diabayar if the child died there also, although the child will still return the company meniggal Benefit Premiums education money will be paid.
4. BIG BENEFITS
Compare great benefit to the accumulation of premiums (if the insured survives until the premium payment period ends) on the results can be greater .. Beware of "tricks" of insurance companies, there are companies that provide seolah2 total percentage is greater than any other company, but it was behind a big benefit. Suppose that 10% received primary school, junior high school received 15%, 20% received high school, received 40% lecture, college accepted 100%. Try comparing with that give a big up front, for example, SD 20%, SMP 30%, and so on. If we calculate accurately, a company that provides large front (SD 20%) could be more profitable than the SD 10% because if the money is not used and saved, so in the end turned out to policyholders if ditotal will face greater benefits than they provide benefits small in front.
5. PREMIUM PAYMENTS
Many varieties of premium payments, there is an annual, per six months, or per three months, the choice should be tailored to our ability to pay. Make sure the Form Filling filled with honest, to receive the benefit. If the policyholder has been received, ask the agent / consultant to explain the details of the contents of clauses-clauses, if necessary ask for all the forms or understand how to submit claims and asked for the address / phone / email / website to contact the insurance company. Avoid only have addresses agent / consultant, because agents are not necessarily continue to work on the insurance company. (AM)
"Some time ago I tried to look at illustrations from the Insurance Provider AIA-88, interestingly enough, because if for example we fear will be hard time paying for them, we can attract a premium payment of a bonus for next year. Bonuses that we take every year is 6% of UP, starting early in the third, then there is another added bonus every three years. If this bonus is not taken, at the end of the insurance we could get more money of course. Although not mentioned for education, but the bonus we can use to children's education, for example we take the umpteenth year for the payment of money into schools. The smaller the child, the greater the results
end to be received later (at age 88 years old child). In addition, for example in the payment period (seven years), for example, the payer (father) dies, then the child is exempt from premiums. "(Ss)
ERRORS OF THE CUSTOMERS
Not all claims payments due to the failure of Insurance Companies. Can also cause is his own customer. Generally there are five mistakes that can cause customers do not pay insurance money:
1. Customer Dishonesty
Before someone has a life insurance product, he first must complete Application Letter of Insurance. In the Application Letter there are the questions that must be answered by a prospective customer, and from the answers that will see whether the Insurance Company will provide life insurance protection to you or not. Now, when filling out an application letter is often the prospective client does not give the correct answer. For example, in the Letter of Request are questions about whether you ever
hospitalized in the last two years. If you answer no - but never admitted to the House Sskit six months ago for example - then the case of death on you and your insurance company finds that you are the cause of death due to diseases that once made you enter the hospital about six months ago, do not expect an Insurance Company Sum Insured will pay what they promised.
2. The exclusion by the Insurance Company to pay money
Sometimes coverage Life Insurance Company does not provide the benefits they promised turned out to cause death if you are exempt (and the exceptions were written in the policy). Regarding these exceptions, the PA generally determines the number of exemptions which vary. However, generally are:
- Death by suicide
- Death by the person concerned committed a crime
- Deaths from AIDS
- Death due to critical illness, where death occurred in the first year he followed the insurance programs of the respective PA
- Death due to force majeure, or things that can not be avoided, such as war, natural disasters, or civil commotion Often
exceptions contained in the policy did not readable by the client, that he felt hurt when the money is not paid for insurance coverage. Therefore, if you have a Insurance Policy, a time to again to read the articles contained in the policy.
3. Customers too long to make a claim
Generally, the PA set a time limit on filing claims asuransi.Biasanya, set time limit is three months. Fuss, customers often make a claim outside the time limit, so the PA is difficult to fulfill. For example, your husband to follow a life insurance program with you as his heir. In the event of death of your husband, then you can only get the promised benefits when filing an insurance claim you are still within the time limit of three months after the death. If not, insurance companies may be unwilling to provide the benefits they promised. Now, how can you know longer time limits provided by your insurance company in a death claim? You can read it on your Insurance Policy. After that, if it really happened later risk of death, immediately submitted his claim to the Insurance Company.
4. The terms of the time of filing the claim is not complete enough
PA usually require a number of requirements when filing a claim if the true mortality risk occurred in people who bear. Requirements that are often not met or completed by the heirs of customers, so the insurance company certainly can not immediately pay their claims.
Usually, the requirements requested by the Insurance Company if you want to make a claim of death are:
4.1. Death Certificate from neighborhood local
4.2. Accident Certificate from the police (if death occurred due to accident)
4.3. Statement from the House Sskit (if death occurs in hospital), where the letter was signed by the doctor concerned
4.4. Filling the Claim Form issued by the Insurance Company
4.5. Photocopy of Identity Self Beneficiary So, if there is risk of death, do not forget to fulfill all the requirements demanded by the Insurance Company.
5. Unpaid premium by the customer within a preset period of time
This is obvious. If you do not pay premiums according to the specified time period, could have your Insurance Policy to be no longer valid. This means, you are no longer protected by insurance. This is what often happens. In the early days, customers pay a premium diligent, but at a certain moment, no longer paid premiums, even down to a certain time limit. This is the same as if you use electricity and do not pay within a certain time limit, so your electricity at home is threatened termination by PLN. Therefore, make sure you know your premium payment rules. Do not let your Insurance Policy does not apply anymore just because you forgot to pay the premiums on time.
ERRORS OF THE INSURANCE COMPANY
Apart from the customer side, do not pay insurance money can also be caused by errors caused by the Parties of Insurance Companies. There are several actually, but that generally happens only two:
1. Insurance Agent dishonesty in presenting insurance products. Your insurance agent could not be honest in presenting his life insurance products. For example, when met, he said that the Insurance Company will pay the Life Insurance Money Pertangungan if death is caused critical illness, including if the risk is incurred in the first year. Though generally not the case. Indeed, not every insurance company has the same policy. So my advice, what you see in your Insurance Policy that is what should be a reference, not from what the Insurance Agent. Insurance Company generally provides a kind Money Back Guarantee if you find that you are not satisfied with the articles contained in the policy. You can return the policy, and your money will be returned. Of course, during the return policy is located within a specified time limit set by the insurance company, which is usually 30 to 90 days. Then, if all Insurance Agent can not be trusted? not really, because it's back to the person. Not because there is one agent that is not true, then you equate all insurance agents in this world is not true. Once again, it all went back to their respective characters. To prove whether the presentation
Life Insurance Agent is given correctly, you simply match it with the Insurance Policy issued. If equal, it means your insurance agent is honest and trustworthy. If not, report him to his Insurance Company.
2. His company is mischievous
If you find that you have fulfilled all the requirements requested, to be honest in filling the Application Letter, diligent in paying premiums, submitting a claim is still within the time specified, but the claim you are still not paid, check it again. It could be a recalcitrant company. dunia-ibu.org
