Reverse RISK THROUGH INSURANCE
Reverse RISK THROUGH INSURANCE
Risk does not only happen on investment. View current flood disaster, makes many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risk including the risk of flooding - not unusual disiasati. At least, that risk can be transferred to another party. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. These circles may have moved risk to the insurance company. So, insurance companies who will bear the risk that experienced earlier.
Insurance program is actually not new. Various people understand insurance as a financial institution's risk management is required. However, awareness to follow the insurance program is not owned by everyone. Usually, after a "hit rock" new people are aware that insurance is important. Likewise, there was no word late. Thus, for the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.
With insurance program means you have shifted the risk to other parties. For the risks that you must be diverted to pay the premium depends on the amount of risk transferred and manfaaat who want to obtain. In prektiknya, various kinds of insurance. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.
HEALTH INSURANCE
BEFORE determine what insurance will be selected, the first step seyogia her to do is determine the needs. Of the three types of insurance above, determine the level of preference for your condition. In general, in developed countries the first priority is to follow the health insurance. The reason, because if you get sick, the cost may not be small. Even if you just work at a company and the company is providing facilities of health costs, its value may not match your needs. Especially if you have a certain lifestyle. If you experience a hospitalization, for example, maybe you want to be treated with first-class facilities, and facilities provided by the company only second-class facilities. To work around this, you can follow the health insurance benefits program tailored to your needs.
In reality, quite many people who do not have any health facilities. So when sick, all costs must be borne alone. For circles like this, of course, health insurance ought to be an absolute thing, because no one knows when the risk of illness to come even if you maintain good health. Therefore, health insurance can be considered to own.
The question is, what kind of health insurance are eligible chosen? Currently, in addition to a direct quote from health insurance companies, quite a lot of health insurance offered by the organizers of the credit card (issuer). So, the card holders are offered "benefit" from health insurance and premiums charged to card holders langsug via credit card.
There's nothing wrong with offering a pattern like that, but you must look at what benefits the insurance company gdiberikan yan. Then, if the insurance company that works with credit card issuers are enough bona fide and have experience. Not until, when you get sick and make a claim, it turns out the process even more difficult.
So, to choose the health insurance company, at least there are two things to be noticed, namely reliability and track recordnya, then the benefits offered compared to the premiums charged to you. In addition, you also must consider hospitals that work with the company's health insurance. More and more hospitals are working together, the bona fide was the insurance company. Useless you have health insurance if it is magic house near your house - sebgai example - have no cooperation with health insurance you have.
LIFE INSURANCE
And what about life insurance? Insurance is basically one is quite old, but not everyone sees the need to follow the life insurance. The reason mcam-kind. Start the objective because of financial considerations, to the subjective reasons that set the paradigm of thinking. Apart from, the most appropriate life insurance owned by people of productive age are married, because if your age is not a long while the family still needs financial strut, it will be struggling to fulfill it. Therefore, consider too have life insurance.
How to choose an appropriate life insurance for age, financial condition, and also the purpose of having life insurance? If you have limited money to pay the premiums, the most relevant choice is to choose a pure life insurance protection. In addition to low premiums, sum assured, as the benefits that will be enjoyed by the heirs, can be quite large. Pure life insurance protection you should take for this kind of life. So really intended as a "legacy" for your family.
If your financial condition is good enough, can be considered to take life insurance plus investment. Life insurance on this one you can enjoy yourself if, in the agreed time limit was your age are still quite long. For example, currently 30 years old you are, you can buy a term life insurance 20 years. If you live long, then at the age of 50 years, you'll enjoy the premiums already paid plus its development through investment. But if God decides otherwise and your age is not enough then your heirs remain financially secure.
In terms of choosing a life insurance company, the criteria do not differ greatly from choosing health insurance companies. You have to look at reliability, track record, and the premium charged to you. Meanwhile, if you want to buy insurance is the insurance plus an investment, certainly even more criteria, including what percentage of the premiums you will get your refund within a period of a participant's insurance. The three factors you should compare in selecting an insurance company.
LIFE INSURANCE
Next is general insurance. This type of insurance when the flood hit Jakarta and several cities in Java island in recent times, been to "help" all walks of life to not fall into poverty. Vehicles are subject to flooding and damage to the home or its contents, if the insured can be claimed to the insurance company.
However, there is also the owner of life insurance that could actually make a claim with the insurance company for insurance coverage of the closure of its loss is limited and does not include losses due to flooding. Therefore, the main thing that you must look at when choosing life insurance is any aspect of the company closed. You must be observant look at all of that, because most insurance companies do not simply want to explain to you.
Conclusion, the risk is not no disiasati. One way is to transfer risk to the company. If your financial condition is good enough, can be considered to have at least three insurance policies, namely health insurance, life dankerugian. However, if your financial situation is relatively limited, make a selection to suit your needs. Then, in choosing an insurance company, consider the most fundamental factors, such as bonafides company and the premium becomes your burden.
Risk does not only happen on investment. View current flood disaster, makes many people miserable, from the loss of property and even lives. What can I say, floods have occurred anyway. However, the risk including the risk of flooding - not unusual disiasati. At least, that risk can be transferred to another party. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. These circles may have moved risk to the insurance company. So, insurance companies who will bear the risk that experienced earlier.
Insurance program is actually not new. Various people understand insurance as a financial institution's risk management is required. However, awareness to follow the insurance program is not owned by everyone. Usually, after a "hit rock" new people are aware that insurance is important. Likewise, there was no word late. Thus, for the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.
With insurance program means you have shifted the risk to other parties. For the risks that you must be diverted to pay the premium depends on the amount of risk transferred and manfaaat who want to obtain. In prektiknya, various kinds of insurance. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.
HEALTH INSURANCE
BEFORE determine what insurance will be selected, the first step seyogia her to do is determine the needs. Of the three types of insurance above, determine the level of preference for your condition. In general, in developed countries the first priority is to follow the health insurance. The reason, because if you get sick, the cost may not be small. Even if you just work at a company and the company is providing facilities of health costs, its value may not match your needs. Especially if you have a certain lifestyle. If you experience a hospitalization, for example, maybe you want to be treated with first-class facilities, and facilities provided by the company only second-class facilities. To work around this, you can follow the health insurance benefits program tailored to your needs.
In reality, quite many people who do not have any health facilities. So when sick, all costs must be borne alone. For circles like this, of course, health insurance ought to be an absolute thing, because no one knows when the risk of illness to come even if you maintain good health. Therefore, health insurance can be considered to own.
The question is, what kind of health insurance are eligible chosen? Currently, in addition to a direct quote from health insurance companies, quite a lot of health insurance offered by the organizers of the credit card (issuer). So, the card holders are offered "benefit" from health insurance and premiums charged to card holders langsug via credit card.
There's nothing wrong with offering a pattern like that, but you must look at what benefits the insurance company gdiberikan yan. Then, if the insurance company that works with credit card issuers are enough bona fide and have experience. Not until, when you get sick and make a claim, it turns out the process even more difficult.
So, to choose the health insurance company, at least there are two things to be noticed, namely reliability and track recordnya, then the benefits offered compared to the premiums charged to you. In addition, you also must consider hospitals that work with the company's health insurance. More and more hospitals are working together, the bona fide was the insurance company. Useless you have health insurance if it is magic house near your house - sebgai example - have no cooperation with health insurance you have.
LIFE INSURANCE
And what about life insurance? Insurance is basically one is quite old, but not everyone sees the need to follow the life insurance. The reason mcam-kind. Start the objective because of financial considerations, to the subjective reasons that set the paradigm of thinking. Apart from, the most appropriate life insurance owned by people of productive age are married, because if your age is not a long while the family still needs financial strut, it will be struggling to fulfill it. Therefore, consider too have life insurance.
How to choose an appropriate life insurance for age, financial condition, and also the purpose of having life insurance? If you have limited money to pay the premiums, the most relevant choice is to choose a pure life insurance protection. In addition to low premiums, sum assured, as the benefits that will be enjoyed by the heirs, can be quite large. Pure life insurance protection you should take for this kind of life. So really intended as a "legacy" for your family.
If your financial condition is good enough, can be considered to take life insurance plus investment. Life insurance on this one you can enjoy yourself if, in the agreed time limit was your age are still quite long. For example, currently 30 years old you are, you can buy a term life insurance 20 years. If you live long, then at the age of 50 years, you'll enjoy the premiums already paid plus its development through investment. But if God decides otherwise and your age is not enough then your heirs remain financially secure.
In terms of choosing a life insurance company, the criteria do not differ greatly from choosing health insurance companies. You have to look at reliability, track record, and the premium charged to you. Meanwhile, if you want to buy insurance is the insurance plus an investment, certainly even more criteria, including what percentage of the premiums you will get your refund within a period of a participant's insurance. The three factors you should compare in selecting an insurance company.
LIFE INSURANCE
Next is general insurance. This type of insurance when the flood hit Jakarta and several cities in Java island in recent times, been to "help" all walks of life to not fall into poverty. Vehicles are subject to flooding and damage to the home or its contents, if the insured can be claimed to the insurance company.
However, there is also the owner of life insurance that could actually make a claim with the insurance company for insurance coverage of the closure of its loss is limited and does not include losses due to flooding. Therefore, the main thing that you must look at when choosing life insurance is any aspect of the company closed. You must be observant look at all of that, because most insurance companies do not simply want to explain to you.
Conclusion, the risk is not no disiasati. One way is to transfer risk to the company. If your financial condition is good enough, can be considered to have at least three insurance policies, namely health insurance, life dankerugian. However, if your financial situation is relatively limited, make a selection to suit your needs. Then, in choosing an insurance company, consider the most fundamental factors, such as bonafides company and the premium becomes your burden.
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