Showing posts with label Tips Insurance. Show all posts
Showing posts with label Tips Insurance. Show all posts
Insurance Tips Chose Insurance Losses The Right
You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products would you use, either for yourself or for your employer. These tips can help you.
1. Separate items / objects according to the calculation of economic
Choose items that really needs to be insured so you have nothing to lose. For example, if you intend to take fire insurance for your home and household furniture, then you do not need to enter the computer and all its accessories into the calculation. Why? Because the recovery value for the computer company is very low when compared to the current value of the computer or at the time of purchase will be insured. Another example, you would take the insurance of motor vehicles (cars) the company's assets. If the cars to be insured are aged over 10 years, the economic cost of the insurance premiums will be greater. Another case if the company can set up his / her own self-insurance vehicle assets.
2. Identify items / objects clearly
We recommend that you first identify the goods / objects to be insured. For example, the Toyota Corolla sedan in 1998. At the company, such as a garment factory and its machinery, generators and other equipment associated with the activity of the plant.
3. Choose an insurance company with a good reputation
Do not be fooled by insurance companies that provide premium rate (the amount paid for a unit of protection provided) is low or high premium pieces. If you do, can-can the insurance company can not settle a claim payment when you make a claim against them.
4. Give information clearly
Provide information about the object clearly will you insured to the insurer / insurance broker. Instead, ask for more information as the insurance products they offer. You can ask about the type of insurance, extensive warranties, rate premiums, deductibles (the amount of fees that you will pay before the insurance began paying compensation), discount or claim procedures.
5. Ask your insurance coverage (insurance coverage) is best
You should seek the broadest insurance bail before the insurance company issuing the insurance policy.
For example, for fire insurance Fire Insurance you can ask RSMD + + 4.1.A or 4.1.B earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask property cover all risks (PAR). If you want to insure a motor vehicle, ask your auto insurance covers all risks RSMD + 4.1.A, etc..
6. Choose a package of insurance products
Instead of just choosing one insurance product, it is advisable to choose one package at a time. That way you will get discount facilities and better service. For example, the purchase of home insurance (fire insurance) following cars (Car Insurance) and personal accident for the family members.
7. Ask the system "First Loss Insurance"
Especially for objects that have a value / number of very large, for example in the Rp100 billion, have the system of "first loss insurance" to the insurance so the premium you pay is not too big.
8. Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise typically exhibit different volume every day or every month. To fix this, you can ask the system "adjustable policy". With this system you will pay according to the volume / transaction really have done.
9. Read, thorough and asked
Carefully read and examine the content of the policy statement and its articles. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, whether the object of insurance or other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.
Once you have approved the issuance of the policy in question, have an original and a duplicate policy, complete with receipts as a sign of ownership and payment of insurance premiums
Perhitungan Nilai Asuransi Kendaraan Untuk Toyota Grand New Fortuner VN Turbo
Saya akan berikan ilustrasi Premi Asuransi untuk beberapa asuransi besar yang ada di indonesia khusus untuk perhitungan Premi Asuransi Mobil Toyota Grand New Fortuner VN Turbo dengan harga beli antara 380 juta sampai 410 Juta
Untuk Perhitungan Pada Asuransi ABDA:
Mobil Tahun 2012 Harga Rp.420 juta
420.000.000 × 2,5% = 10.500.000 All Risk Standard
420.000.000 × 3% = 12.600.000 All Risk + Perluasan huru hara, banjir dan gempa.
Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.
__________________________________________________________________________________
Untuk Perhitungan Pada Asuransi ACA:
Mobil Tahun 2012 Harga Rp.420 juta
420.000.000 × 2% = 8.400.000 All Risk + Perluasan huru hara, banjir dan gempa.
Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.
__________________________________________________________________________________
Untuk Perhitungan Pada Asuransi Takaful:
Mobil Tahun 2012 Harga Rp.420 juta
420.000.000 × 2,75% = Rp. 11.550.000 Premi Satu Tahun All Risk Standard
420.000.000 x 3.02% = Rp. 12.684.000 Premi satu Tahun All Risk huru hara, Banjir dan Gempa
Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.
Sementara hanya tiga Asuransi diatas dilain saat akan saya tambahkan lagi untuk asuransi lain seperti SINARMAS, AXA, dan yang lainnya
READ MORE - Perhitungan Nilai Asuransi Kendaraan Untuk Toyota Grand New Fortuner VN Turbo
Untuk Perhitungan Pada Asuransi ABDA:
Mobil Tahun 2012 Harga Rp.420 juta
420.000.000 × 2,5% = 10.500.000 All Risk Standard
420.000.000 × 3% = 12.600.000 All Risk + Perluasan huru hara, banjir dan gempa.
Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.
__________________________________________________________________________________
Untuk Perhitungan Pada Asuransi ACA:
Mobil Tahun 2012 Harga Rp.420 juta
420.000.000 × 2% = 8.400.000 All Risk + Perluasan huru hara, banjir dan gempa.
Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.
__________________________________________________________________________________
Untuk Perhitungan Pada Asuransi Takaful:
Mobil Tahun 2012 Harga Rp.420 juta
420.000.000 × 2,75% = Rp. 11.550.000 Premi Satu Tahun All Risk Standard
420.000.000 x 3.02% = Rp. 12.684.000 Premi satu Tahun All Risk huru hara, Banjir dan Gempa
Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.
Sementara hanya tiga Asuransi diatas dilain saat akan saya tambahkan lagi untuk asuransi lain seperti SINARMAS, AXA, dan yang lainnya
SELECT A VEHICLE INSURANCE TIPS
Choosing insurance is not easy. Especially in the midst of fierce competition today. Almost all insurance companies have vehicle insurance products. Stay of prospective customers to choose which one decent take. Therefore below we present some criteria so that no one chose:
1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
2. See the insurance package offered. For example, extensive warranties to how much. Therefore, the scope of cover is to be adjusted with the desire and ability to prospective customers.
3. See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
4. Could be asked first ease, facility or what added value can be obtained when buying a policy in the company. For example, if there is a tow truck, a replacement car or a hotline service, mechanic services, ambulances and so forth. And, last but not least is easy to make changes as well as the ease of asking.
5. Consider also the insurance company's bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Though financial condition was very severe.
In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are the three factors.
First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims of customers, the company can not afford to pay.
In assessing the financial strength of these there are several benchmarks that need attention.
a. Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether the investment is planted in the current or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts to the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `gross` premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
b. Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting was good policy.
c. Its underwriters. Insurance has personnel qualified or not. It is known from a company profile that includes the underwriters it.
Services (service) is a reflection of the extent of human resources at the company's qualified or not. Moreover, the insurance company is selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claims.
In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.
In this connection it should also be questioned, whether the insurance company in reinsurance mereasuransikan class safety. This can be seen from its annual report. It is important to note, because if the company is not backed up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And, if you continually lose money, certainly not healthy.
In this connection may also see the price premiums. Compare prices of insurance premiums with other insurance. Where the quality is really good. Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Caital Base). If the number of RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that is doing a major expansion like to open many branches, then the RBC numbers would be small.
In contrast, there is a small insurance company but never to expand, the RBC number was probably much greater.
Thus, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.
In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And, last but not least is how the behavior of the management company for this. Is there a management company for this broken promise? Has the management of these companies have defaulted and others.
READ MORE - SELECT A VEHICLE INSURANCE TIPS
1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
2. See the insurance package offered. For example, extensive warranties to how much. Therefore, the scope of cover is to be adjusted with the desire and ability to prospective customers.
3. See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
4. Could be asked first ease, facility or what added value can be obtained when buying a policy in the company. For example, if there is a tow truck, a replacement car or a hotline service, mechanic services, ambulances and so forth. And, last but not least is easy to make changes as well as the ease of asking.
5. Consider also the insurance company's bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Though financial condition was very severe.
In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are the three factors.
First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims of customers, the company can not afford to pay.
In assessing the financial strength of these there are several benchmarks that need attention.
a. Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether the investment is planted in the current or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts to the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `gross` premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
b. Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting was good policy.
c. Its underwriters. Insurance has personnel qualified or not. It is known from a company profile that includes the underwriters it.
Services (service) is a reflection of the extent of human resources at the company's qualified or not. Moreover, the insurance company is selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claims.
In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.
In this connection it should also be questioned, whether the insurance company in reinsurance mereasuransikan class safety. This can be seen from its annual report. It is important to note, because if the company is not backed up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And, if you continually lose money, certainly not healthy.
In this connection may also see the price premiums. Compare prices of insurance premiums with other insurance. Where the quality is really good. Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Caital Base). If the number of RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that is doing a major expansion like to open many branches, then the RBC numbers would be small.
In contrast, there is a small insurance company but never to expand, the RBC number was probably much greater.
Thus, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.
In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And, last but not least is how the behavior of the management company for this. Is there a management company for this broken promise? Has the management of these companies have defaulted and others.
TIPS TO CHOOSE A GOOD INSURANCE COMPANY
Choosing a good insurance company is not easy. Moreover, in the midst of intense competition among insurance companies today.
Many insurance companies claim they are the best. It can be seen that there is an insurance product offered to the public through advertisements, almost none the less. Similarly, the performance they do, always accentuate the fine. Management of insurance companies rather rarely express their weaknesses are natural.
However, there are several factors that should be considered in the process of selecting an insurance company, especially for life insurance and loss.
The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.
Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims of customers, the company can not afford to pay.
In assessing the financial strength of these there are several benchmarks that need attention.
car insurance
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether the investment is planted in the current or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts to the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Equity divided by gross premium (gross premium) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Its underwriters. Insurance has personnel qualified or not. It is known from a company profile that includes the underwriters it.
Services (service) is a reflection of the extent of human resources at the company's qualified or not. Moreover, the insurance company is selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claims. In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.
In this connection it should also be questioned, whether the insurance company in reinsurance mereasuransikan class safety. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And if you continually lose money, certainly not healthy.
In this connection may also see the price premiums. Compare prices of insurance premiums with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (risk capital base). If the number of RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that is doing a major expansion like to open many branches, then the RBC numbers would be small.
In contrast, there is a small insurance company but never to expand, the RBC number was probably much greater.
Thus, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.
In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the behavior of the management company for this. Is there a management company for this broken promise? Has the management of these companies have defaulted, and so forth.
READ MORE - TIPS TO CHOOSE A GOOD INSURANCE COMPANY
Many insurance companies claim they are the best. It can be seen that there is an insurance product offered to the public through advertisements, almost none the less. Similarly, the performance they do, always accentuate the fine. Management of insurance companies rather rarely express their weaknesses are natural.
However, there are several factors that should be considered in the process of selecting an insurance company, especially for life insurance and loss.
The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, the service (service). And third, the cost.
Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, vehicle good directors. But when there claims of customers, the company can not afford to pay.
In assessing the financial strength of these there are several benchmarks that need attention.
car insurance
Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether the investment is planted in the current or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts to the reinsurer, how he fulfilled his obligation to pay claims, and so forth.
Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Equity divided by gross premium (gross premium) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting polcy was good.
Its underwriters. Insurance has personnel qualified or not. It is known from a company profile that includes the underwriters it.
Services (service) is a reflection of the extent of human resources at the company's qualified or not. Moreover, the insurance company is selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claims. In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.
In this connection it should also be questioned, whether the insurance company in reinsurance mereasuransikan class safety. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving the premiums.
The problem is how much the cost incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And if you continually lose money, certainly not healthy.
In this connection may also see the price premiums. Compare prices of insurance premiums with other insurance. Where the quality is really good.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (risk capital base). If the number of RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that is doing a major expansion like to open many branches, then the RBC numbers would be small.
In contrast, there is a small insurance company but never to expand, the RBC number was probably much greater.
Thus, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.
In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.
And last but not least is how the behavior of the management company for this. Is there a management company for this broken promise? Has the management of these companies have defaulted, and so forth.
Savety Personal Car
Car is an asset. So, do not carelessly treat your car, including the parking lot. You see, the current range of both two-wheeled vehicle theft and four remain high. Sure, almost every day another victim of vehicle loss.
On this issue seems to be not only the responsibility of officers, parking attendants or guards alone, but also the responsibility of the owner himself.
Here are some tips that obtained from a mailing list (mailing list) the contents of information about maintaining our assets in the form of the car to be safe or at least be spared from evil.
A.
If you use the services of a driver to slide all over the place and counted it will take a little longer, then you should not be left to the driver was waiting in the car. Why? You see, the thief can easily hold up the driver and asked for the keys and the letters. If the driver may actually be fighting for his life. So, should he be asked to leave and wait outside the locked car while continuing to oversee the car.
2.
If not using a driver and a car accident that you are the type of vehicle used by a certain circle called the "Car Millions of Ummah" aka the Toyota Kijang, it is advisable to unplug the distributor or distributors all keys and steering wheel mounted a cross-shaped stick in the middle of the steering wheel. Not suggested that the model base ball stick just sticking above. By the thief because the steering wheel can be removed and replaced with his own steering wheel.
3.
What about the alarm? If this is the only "keeper" car, then this is not recommended. Because, from a few observations and experience, the alarm is not considered effective because it is often seen a car alarm blaring ask for attention even by some guards that are around are left. Suggested, in addition to the alarm, there is another form of anticipation.
4.
Another modus operandi is to remove a car license plate in the parking lot, then replaced with the car number plate thieves. Well, the thief was coming out with ease, while showing him a parking ticket by a parking record is valid. Once outside the license plate is opened and then come back and installed in his car, then out again as he reported to the guards that parking ticket is lost. And when checked by a qualified parking, so he can show the completeness of the vehicle including all valid vehicle registration, license plate number is true, correct engine number, body number bener. Could be, he's just fined several thousand dollars but he can roll out as you steal the car.
Loss of a vehicle accident that was not like we all go through, especially if not insured, can be more worse again.
Well, caution against its own assets rather than needs to be done now, especially in Jakarta. Because our negligence, then the loss of our assets. That said, Jakarta is often equated with "wilderness". This is Jakarta Man! Welcome to the Jungle.
READ MORE - Savety Personal Car
On this issue seems to be not only the responsibility of officers, parking attendants or guards alone, but also the responsibility of the owner himself.
Here are some tips that obtained from a mailing list (mailing list) the contents of information about maintaining our assets in the form of the car to be safe or at least be spared from evil.
A.
If you use the services of a driver to slide all over the place and counted it will take a little longer, then you should not be left to the driver was waiting in the car. Why? You see, the thief can easily hold up the driver and asked for the keys and the letters. If the driver may actually be fighting for his life. So, should he be asked to leave and wait outside the locked car while continuing to oversee the car.
2.
If not using a driver and a car accident that you are the type of vehicle used by a certain circle called the "Car Millions of Ummah" aka the Toyota Kijang, it is advisable to unplug the distributor or distributors all keys and steering wheel mounted a cross-shaped stick in the middle of the steering wheel. Not suggested that the model base ball stick just sticking above. By the thief because the steering wheel can be removed and replaced with his own steering wheel.
3.
What about the alarm? If this is the only "keeper" car, then this is not recommended. Because, from a few observations and experience, the alarm is not considered effective because it is often seen a car alarm blaring ask for attention even by some guards that are around are left. Suggested, in addition to the alarm, there is another form of anticipation.
4.
Another modus operandi is to remove a car license plate in the parking lot, then replaced with the car number plate thieves. Well, the thief was coming out with ease, while showing him a parking ticket by a parking record is valid. Once outside the license plate is opened and then come back and installed in his car, then out again as he reported to the guards that parking ticket is lost. And when checked by a qualified parking, so he can show the completeness of the vehicle including all valid vehicle registration, license plate number is true, correct engine number, body number bener. Could be, he's just fined several thousand dollars but he can roll out as you steal the car.
Loss of a vehicle accident that was not like we all go through, especially if not insured, can be more worse again.
Well, caution against its own assets rather than needs to be done now, especially in Jakarta. Because our negligence, then the loss of our assets. That said, Jakarta is often equated with "wilderness". This is Jakarta Man! Welcome to the Jungle.
