Insurance is required today by many people. It aims to protect. Examples of insurance such as home insurance, car, health, your life could be insured. For this time I give tips on how to make insurance accounts safe and comfortable for those of you who will make the insurance
In this prospective customer must provide correct information, the data regarding the prospective client in the Insurance Proposal form filling. Among clients height and weight, medical history that ever happened to the prospective customer prior to submitting / opening the Insurance Account.
After the prospective customer to provide correct information as it is, then the Agent shall write and convey information to the Insurance Company with a right (as informed by the prospective customer)
From that information, then the insurance company will conduct the selection process, whether the prospective customer so the customer can be accepted immediately, whether to conduct a medical first (cost free), whether there will be exceptions. The results of the selection process will be delivered to customers, through his agent. For that honesty is an absolute.
Insurance is an investment for the long term, not short term (1 or 2 years). So if you expect the investment will be growth within a short time, my advice is you should not invest in insurance (eg unit-linked). Due to the long-term investment here (7 years or be 10 years or older). From this investment should never be touched, unless there are things that are important, and if you take (before 10 years), it is advisable to take funds only as needed.
Investment returns are not certain, could have greater meaning than Illustration / Proposals submitted by the agent to the customer, could also be the same or smaller than the illustration / proposal. But as a prospective customer, you can see the investment performance of previous years. And this could be your consideration.
If any Agent / company promising investment returns are certainly a percentage, is certain Agent / company is lying to you. The results are certainly not investment, but the benefits of protection. Benefits of protection is definitely what you’ll get, in accordance with the contract of insurance (Example: If you undergo hospitalization will receive compensation 1,000,000 customers per day, each time undergoing inpatient hospital regardless of cost, you as a customer will receive compensation amounting to 1,000,000 .- x days duration of treatment).
3) Payment of Premium
Premium Payment must be made on time for policy / account always inforce insurance (coverage is still running), or at least be paid at the latest before the grace period expires. If payment is not made, a meal will occur lapse (Cancel Policy), as a result, then what if there is a risk the insurance company will not cover or provide protection. And to the facilities provided leave Prudential premiums beginning in the 3rd. The premium is on leave for the time period in which the stop saving / paying premiums within a certain time period. And in a period of leave is the case of a risk premium, then Prudential will provide compensation in accordance FIXED in insurance contracts.
4) Filing Claims
As soon as you submit claims and make the data / requirements requested in the filing of the claim. Before the customer make a claim, it is better researched in advance what the insurance products listed on the existing policy. It is necessary, because every insurance product sold has different benefits. Examples are if the product purchased is just an accident insurance, where when the insured dies in an accident will be given a sum of money stated in the policy. An insured who died not because of an accident (eg because of illness), then the insurance company will not pay anything to the heirs of the insured. If this is the insurance products that are purchased may be claimed, meaning that the insurance benefits listed in the policy in accordance with the claim submitted, whether the claim of death, disability, sickness and so forth.
Then, if the policy is still inforce means the coverage is still running until the insured dies? If indeed her policy had expired when the insured dies, then the claim can not be submitted. Or if the claim remains lodged, then the claim will be rejected by insurance companies. When was the last payment made in advance to check on the office of the insurance company concerned. We can continue the process, if that policy is still inforce.
Next is more carefully examined the existing policy. In every policy there must be rules of how to make a claim and what files are needed. If it is not clear, we can contact the Agent / insurance company. And we can ask how long it takes to process claims payments begin when the necessary paperwork has been completed and accepted by the insurance company. Each insurance company has different procedures in the handling of claims, ranging from the procedures and processes necessary duration. We can ask for more details on the claim.
After all the necessary files are complete, customers can come to the office designated insurance, for example in the branch office where we purchased the insurance product or other office designated by the insurance company.
For Prudential’s customers will be assisted by Claim Agent. So if anything else matters relating to your insurance policy please contact your Agent. Because Agent task one of which is to provide the best service to our customers.
5) Reputation Service
Let you check to several hospitals, where the service is good insurance, from there you will get answers that can be justified. For areas Jogja If you ask to Hospital as Panti Rapih, Bethesda, PKU Muhammadiyah, Sardjito, JIH “where the ministry Insurance GOOD” answers one of them is always there PRUDENTIAL name. Always Listening Always Understanding.
6) Financial Reputation
Assessing the financial reputation is to assess the company’s financial statements could you ask for or you see in print and in electronic media. Assess how much the company’s capital strength compared to other companies. Also how good the value of the company’s cash flow. In the world of insurance, the technical term or risk-based capital RBC. This is a way to assess your health insurance company.
Choose the RBC Insurance Company which has 120 percent or more. If you are confused about what it is RBC, RBC enough to ask just how much your insurance company to your insurance agent. If more than 120 percent, that means good. Less than that, better find the others.
6) Read and Understand Your Policy Contents
Usually after you have received so insurance customers, after a while then you will get a policy as an insurance contract. Customers are given the opportunity to learn about these policies in a specific time period. And in a period of studying the policy to dissuade customers as customers with these policies and how to restore the money-back guarantee.
If within the policy there are things that are less understood, ask the agent to assist in understanding the content of these policies.
7) Be careful with the Agent that gives discount to you.
Services / service will definitely be discounted also by the Agent that provide discounts. Ga you want to do, have a service agent with a half-half. So, do not easily persuaded by seduction Agent that gives you a discount. Let us eradicate Agent “Naughty” ..
Similarly tips and advice that will make your insurance claim. This may be useful.