choose car insurence: :
now more and more car insurence product on the market. on that account, careful principle before buys, necessary applied, so that unrepentant later on day. before decide to choose one of so much car insurence product on the market:
1. determine desirable insurence protection kind. protection according to comprehensive (all risk) give protection best, but you necessary calculate the economical side.
2. don't immovable in big the so small premium that. see credibility companies, especially from service aspect, claim handling and the finance ability.
3. many company credible insurence and bonafide, although without support companies re-asuransi. but bothing;there is no the wrong look for to know track record company re-asuransi (when is there).
4. what company that give benefit addition, like claim service 24 clocks, free crane, claim process guarantee 24 clocks, etc?
5. it is better you see partner repair shop network companies that. what does the total, where is the location and how does repair shops quality.
6. comprehend right apasaja right and your duty. what may you do and what not. is there policy in bond exception, does luck lost it for you? ()
source: danamon. co. id
Selasa, 08 Juli 2008
tips choose vehicle insurence: :
tips choose vehicle insurence: :
choose vehicle insurence really not easy. even less at tight rivalry midst these days. most of all company has vehicle insurence product. live customer candidate chooses to which proper taken. for that hereunder we present several criterias so that not wrong choose: 1. customer candidate don't immovable in cheap premium rate. because, in rivalry these days, many company insurence that trading down, offered cheap premium rate. while not yet sure there service guarantee.
2. see insurence package on the market. guarantee vast for example until how many. because, vast this guarantee must be accustommed with willing and customer candidate ability.
3. see also network from company insurence concerned. for example how many has office of branch or how many has partner repair shop, so that so there claim doesn't wait long to repair vehicle or report that vehicle.
4. can be asked in advance ease, facilities or what be can be got when buy policy at company that. for example, is there crane car, successor car or hotline service, mechanic service, ambulance car and other as it. and, not less important ease to do changes with ease in ask.
5. necessary considering also bonafiditas company the insurence. don't until so there claim, partner repair shop even also doesn't has. because, many company insurence claimeds them best. while the finance condition very mortally.
besides above mentioned, still there are some factor should considering in course of choose a company insurence belong in choose product. matter important to remember that is in choose to company private insurence, so that must considering in general three factors.
first, finance strength (security). second, service (service). and third, cost or load. insurence finance strength concerns company's finance ability to fulfill the promise if conditon wants. matter is important known, because by dozens company appear insurence at outside it luxurious. high rise the building for example, vehicle mereksinya good. but when happen claim from customer, company doesn't can to pay.
in evaluate this finance strength there are some measuring rod necessary is payed.
a.
asset and the limite. this can be seen from finance balance report that announced at newspaper. see also, is the investment planted in current or longterm. from limite aspect (ability will liquidate duty) be seed in balance, how does the debt in reasuradur, how does he fulfil duty pay claim, and other as it.
limite indicator among others net equity (capital self) is divided `net premi` (clean premium) minimal 50%. capital self divided `gross premi` (dirty premium) minimal 20%. the solvability level limit, seen from capital self divided minimal clean premium 10% and investment fund is divided minimal technique reservist 100%.
b. underwriting policy. at balance and annual report will be seen that the insurence will still luck, or experience profit growth. this means underwiting policy- good.
c. underwriter-. has energies have a certain quality or not. that known from profile companies that hold underwriter-.
service (service) is mirror how far human resource at company have a certain quality or not. even less, company insurence sell service, so service prima be main key. for example, how far good service speed in publisheds policy even less in help payment or claim.
besides, service exercise actually can be feeled self by customer. what company this insurence really give best service made the customer.
in this connection is necessary also questioned, what company this insurence mereasuransi in reinsure first class the security. this can be seen from the annual report. matter is important payed, because when company not -back-up by reinsure, big possibility companies has speculative in get premium.
cost problem how big cost that taked by company insurence in the operational. if cost bigger membanding entering, so clear company inefficient. if inefficient, so ujung-ujung will experience loss. and, if continual lost, certain indisposed.
in this connection can also be seen the premium price. compare insurance premium price equal to other insurence. which the quality really good.
these days government has determined one of [the] insurence well-being measuring rod (not only) that is pass mekanime rbc (risk base caital). if number rbc- big, this means company evaluated in a condition good. but we may not immovable only with number rbc. because, can also happen to company big that in pursuance of expansion on a large scale is like to open many office of branch, so number rbc- certain little.
on the contrary, there company little insurence but never do expansion, so number rbc- may be far bigger.
so, number rbc can not be made as only size, what company that insurence well or not.
in this case also fitting payed performance companies in two or three the last year. how big profit that got per annum, how big premium bruto they accept per annum, how big capital increasing and asset every year.
and, not less important how does company management behaviour during the time. is company management that is during the time break a promise? pernahkah this company management experiences wanprestasi and other as it.
source:
http://www.asuransi-mobil.com
choose vehicle insurence really not easy. even less at tight rivalry midst these days. most of all company has vehicle insurence product. live customer candidate chooses to which proper taken. for that hereunder we present several criterias so that not wrong choose: 1. customer candidate don't immovable in cheap premium rate. because, in rivalry these days, many company insurence that trading down, offered cheap premium rate. while not yet sure there service guarantee.
2. see insurence package on the market. guarantee vast for example until how many. because, vast this guarantee must be accustommed with willing and customer candidate ability.
3. see also network from company insurence concerned. for example how many has office of branch or how many has partner repair shop, so that so there claim doesn't wait long to repair vehicle or report that vehicle.
4. can be asked in advance ease, facilities or what be can be got when buy policy at company that. for example, is there crane car, successor car or hotline service, mechanic service, ambulance car and other as it. and, not less important ease to do changes with ease in ask.
5. necessary considering also bonafiditas company the insurence. don't until so there claim, partner repair shop even also doesn't has. because, many company insurence claimeds them best. while the finance condition very mortally.
besides above mentioned, still there are some factor should considering in course of choose a company insurence belong in choose product. matter important to remember that is in choose to company private insurence, so that must considering in general three factors.
first, finance strength (security). second, service (service). and third, cost or load. insurence finance strength concerns company's finance ability to fulfill the promise if conditon wants. matter is important known, because by dozens company appear insurence at outside it luxurious. high rise the building for example, vehicle mereksinya good. but when happen claim from customer, company doesn't can to pay.
in evaluate this finance strength there are some measuring rod necessary is payed.
a.
asset and the limite. this can be seen from finance balance report that announced at newspaper. see also, is the investment planted in current or longterm. from limite aspect (ability will liquidate duty) be seed in balance, how does the debt in reasuradur, how does he fulfil duty pay claim, and other as it.
limite indicator among others net equity (capital self) is divided `net premi` (clean premium) minimal 50%. capital self divided `gross premi` (dirty premium) minimal 20%. the solvability level limit, seen from capital self divided minimal clean premium 10% and investment fund is divided minimal technique reservist 100%.
b. underwriting policy. at balance and annual report will be seen that the insurence will still luck, or experience profit growth. this means underwiting policy- good.
c. underwriter-. has energies have a certain quality or not. that known from profile companies that hold underwriter-.
service (service) is mirror how far human resource at company have a certain quality or not. even less, company insurence sell service, so service prima be main key. for example, how far good service speed in publisheds policy even less in help payment or claim.
besides, service exercise actually can be feeled self by customer. what company this insurence really give best service made the customer.
in this connection is necessary also questioned, what company this insurence mereasuransi in reinsure first class the security. this can be seen from the annual report. matter is important payed, because when company not -back-up by reinsure, big possibility companies has speculative in get premium.
cost problem how big cost that taked by company insurence in the operational. if cost bigger membanding entering, so clear company inefficient. if inefficient, so ujung-ujung will experience loss. and, if continual lost, certain indisposed.
in this connection can also be seen the premium price. compare insurance premium price equal to other insurence. which the quality really good.
these days government has determined one of [the] insurence well-being measuring rod (not only) that is pass mekanime rbc (risk base caital). if number rbc- big, this means company evaluated in a condition good. but we may not immovable only with number rbc. because, can also happen to company big that in pursuance of expansion on a large scale is like to open many office of branch, so number rbc- certain little.
on the contrary, there company little insurence but never do expansion, so number rbc- may be far bigger.
so, number rbc can not be made as only size, what company that insurence well or not.
in this case also fitting payed performance companies in two or three the last year. how big profit that got per annum, how big premium bruto they accept per annum, how big capital increasing and asset every year.
and, not less important how does company management behaviour during the time. is company management that is during the time break a promise? pernahkah this company management experiences wanprestasi and other as it.
source:
http://www.asuransi-mobil.com
tips choose to company life insurance
tips choose to company life insurance
in choose to company life insurance, one of them by judging the reputation. reputation can we are value from three things, that is:
service reputation
finance reputation
owner reputation and management
service reputation
manner evaluates service reputation, one of [the] its way with visit self office companies insurence. or minimal you know where the office presents. service value that given when you visit to company that. with will visit self perusahan so you can detect service quality like what you will meet when you must come self later, for example, in administer your amount insured. this can be done when company life insurance profess system bancassurance. example: axamandiri, insurence cigna, and others.
when company life insurance use system agency, choose insurence agency genuinely has atitutude good, can explain product with as well possible for the benefit of customer (not self importance, like on the basis of by get commitee big), has strong emotion at the (time) of explains product that sold. example: prudential, astra cmg, manulife, and others.
finance reputation
evaluate finance reputation by judging financial statement company that can you ask or you see in media prints also at electronic media. value how big capital strength companies compared with company other. also how does the good cash flow from company. in the world of insurence, known term rbc or risk based capital. this a manner to evaluate well-being companies your insurence.
choose to company insurence that has rbc above 120 percents. if you are does that confused rbc confused, enough ask what rbc company your insurence to your insurence agency or click here. if rather slimmer from 120 percents, mean reasonable, but must thinks again. less than that, better look for other. my suggestion, plilih company insurence that has rbc far above 120%.
owner reputation and management
look at also who is majority owner and who is manager from company your insurence. see to what them has disgraceful reputation at society. really, sometimes this matter is may be is seen rather subjective, but there is nothing wrong if you know to who owner and who is manager company your insurence. if they have disgraceful reputation, koid immediately.
tips another, if you choose to company life insurance joint venture, you can see to how reputation from company foreign at various country other. your insurence agency is usually has message collection about how does reputation company foreign at amount of country other.
and if choose to company local life insurance (not joint venture), so choose to company that has reputation “tahan banting”, that is company enough old and ever pass assorted crisis. if company life insurance be part from a big effort group (conglomerate), so try to see also how does performance from big effort group. this is because sometimes, the lossy one of [the] company in big effort group can mutual influence profit and loss from company another found in effort group.
conclusion
from tips simple above can help you decrease risk not membayarnya your claim by the company insurence. importantest, don't then you get the wind up to come along insurence.
source:
http://alifreza.wordpress.com
in choose to company life insurance, one of them by judging the reputation. reputation can we are value from three things, that is:
service reputation
finance reputation
owner reputation and management
service reputation
manner evaluates service reputation, one of [the] its way with visit self office companies insurence. or minimal you know where the office presents. service value that given when you visit to company that. with will visit self perusahan so you can detect service quality like what you will meet when you must come self later, for example, in administer your amount insured. this can be done when company life insurance profess system bancassurance. example: axamandiri, insurence cigna, and others.
when company life insurance use system agency, choose insurence agency genuinely has atitutude good, can explain product with as well possible for the benefit of customer (not self importance, like on the basis of by get commitee big), has strong emotion at the (time) of explains product that sold. example: prudential, astra cmg, manulife, and others.
finance reputation
evaluate finance reputation by judging financial statement company that can you ask or you see in media prints also at electronic media. value how big capital strength companies compared with company other. also how does the good cash flow from company. in the world of insurence, known term rbc or risk based capital. this a manner to evaluate well-being companies your insurence.
choose to company insurence that has rbc above 120 percents. if you are does that confused rbc confused, enough ask what rbc company your insurence to your insurence agency or click here. if rather slimmer from 120 percents, mean reasonable, but must thinks again. less than that, better look for other. my suggestion, plilih company insurence that has rbc far above 120%.
owner reputation and management
look at also who is majority owner and who is manager from company your insurence. see to what them has disgraceful reputation at society. really, sometimes this matter is may be is seen rather subjective, but there is nothing wrong if you know to who owner and who is manager company your insurence. if they have disgraceful reputation, koid immediately.
tips another, if you choose to company life insurance joint venture, you can see to how reputation from company foreign at various country other. your insurence agency is usually has message collection about how does reputation company foreign at amount of country other.
and if choose to company local life insurance (not joint venture), so choose to company that has reputation “tahan banting”, that is company enough old and ever pass assorted crisis. if company life insurance be part from a big effort group (conglomerate), so try to see also how does performance from big effort group. this is because sometimes, the lossy one of [the] company in big effort group can mutual influence profit and loss from company another found in effort group.
conclusion
from tips simple above can help you decrease risk not membayarnya your claim by the company insurence. importantest, don't then you get the wind up to come along insurence.
source:
http://alifreza.wordpress.com
Sabtu, 01 Maret 2008
Produk ANUITAS EKSEKUTIF PRIMA
Produk ANUITAS EKSEKUTIF PRIMA
To provide guarantee continuity of the family’s income in the old age.
Benefit & the Premium
• Monthly payment of the old age pension (PHT),
starts 1 month after the premium is deposited to
the company until participant die.
• Should the participant reaches the age of 65 years
old, all the deposited premium to the company to
be returned.
• Should the husband/the wife of the participant dies,
participant accepts the benefit of 12 x the Widow or
Widower's pension (PJ/D).
• Should the participant dies before reaches the age of 65 years old all the premium to be returned
and added with 12 x PHT, furthermore it is also paid the Widow or Widower's pension, until the
widow/the widower dies or remarry.
• Should the participant dies after the age of 65 years old, it is paid 12 x PHT and payment of the
widow or widower's pension.
• Should the widow/the widower dies, it is paid 12 x PJ/D and pension payment for the orphans.
To provide guarantee continuity of the family’s income in the old age.
Benefit & the Premium
• Monthly payment of the old age pension (PHT),
starts 1 month after the premium is deposited to
the company until participant die.
• Should the participant reaches the age of 65 years
old, all the deposited premium to the company to
be returned.
• Should the husband/the wife of the participant dies,
participant accepts the benefit of 12 x the Widow or
Widower's pension (PJ/D).
• Should the participant dies before reaches the age of 65 years old all the premium to be returned
and added with 12 x PHT, furthermore it is also paid the Widow or Widower's pension, until the
widow/the widower dies or remarry.
• Should the participant dies after the age of 65 years old, it is paid 12 x PHT and payment of the
widow or widower's pension.
• Should the widow/the widower dies, it is paid 12 x PJ/D and pension payment for the orphans.
Produk PERSONAL ACCIDENT PLAN B
Provide benefits in the forms of:
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance Benefit.
o Should the insured during the insurance period suffers an instant accident or results from direct
effect in the period of 90 x 24 hours after the occurrence hour of the accident is hospitalized.
Company to pay the Insurance Benefits to the insured as the replacement of the medical
treatment cost as stipulated in the valid receipt from the Hospital with the maximum of 40% of
Insurance Money of each accident incident. The insured accident suffered by the insured is
maximum 2 accident-times during the insurance period.
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance Benefit.
o Should the insured during the insurance period suffers an instant accident or results from direct
effect in the period of 90 x 24 hours after the occurrence hour of the accident is hospitalized.
Company to pay the Insurance Benefits to the insured as the replacement of the medical
treatment cost as stipulated in the valid receipt from the Hospital with the maximum of 40% of
Insurance Money of each accident incident. The insured accident suffered by the insured is
maximum 2 accident-times during the insurance period.
Produk PERSONAL ACCIDENT PLAN A
Produk PERSONAL ACCIDENT PLAN A
Provide benefits in forms of:
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance
Benefit.
Provide benefits in forms of:
• Should the insured experiences accident during the premium payment and dies instantly or as a
direct effect in the period 90 x 24 hours after the occurrence hour of the accident meant, then to
the insured to be paid additional Guarantee Money totaling 100% IM (Insurance Money).
• Should the insured experiences accident during the premium payment and results in total
permanent disability instantly or as a direct effect in the period 90 x 24 hours after the occurrence
hour of the accident meant, then to the insured has the rights on:
a. Permanent Total Disability, paid for the additional guarantee money 100% of the insurance
money.
b. Permanent Partial Disability, paid for the additional guarantee money to lose 100% upper
function:
c. Should during the insurance period the insured experiences accident and results in partial or
total permanent disability and has accepted the Benefits of Insurance as mentioned in the item
1 and 2 and afterwards dies as resulting from direct the accident in the period 90 x 24 hours
after the occurrence hour of the accident meant in the matter of:
- The amount of Insurance Benefits that is accepted bigger or is the same amount of 100%
Insurance Money then Insurance Benefits are not paid.
- The amount of Insurance Benefits smaller than 100% of Insurance Money then the Insurance
Benefit paid to the insured is 100% of Insurance Money reduced by received Insurance
Benefit.
Rabu, 20 Februari 2008
The ARTHADANA product
The premium is ordinary, the benefits are extraordinary
The premium is ordinary....
We are convinced you would not be burdened to set
aside a few your daily operational funds to this special
one. Only for Rp.100.000,- monthly, or Rp.250.000,-
quarterly or Rp.500.000,-each semester, or
Rp.1.000.000,- annually.
Or one-time payment:
- Rp. 2,500,000.- or
- Rp. 5,000,000.- or
- Rp. 10,000,000.- or
- Rp. 15,000,000.- or
- Multiplications of 5,000,000.
You get the extraordinary benefits for you and your family
EXTRAORDINARY BENEFITS...........
• The cash value could be diluted at any time after 1 year since the beginning of insurance period or
when the insured reaches the age of 60 years old.
• Guarantee for the continuation of the family's finance in the amount of:
- 100% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies not due to accident.
- 200% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies due to accident.
• Guarantee for the total permanent disability due to accident in the amount of 100% total insurance
money/ insurance money plus the cash value.
source:
http://www.jiwasraya.co.id
The premium is ordinary....
We are convinced you would not be burdened to set
aside a few your daily operational funds to this special
one. Only for Rp.100.000,- monthly, or Rp.250.000,-
quarterly or Rp.500.000,-each semester, or
Rp.1.000.000,- annually.
Or one-time payment:
- Rp. 2,500,000.- or
- Rp. 5,000,000.- or
- Rp. 10,000,000.- or
- Rp. 15,000,000.- or
- Multiplications of 5,000,000.
You get the extraordinary benefits for you and your family
EXTRAORDINARY BENEFITS...........
• The cash value could be diluted at any time after 1 year since the beginning of insurance period or
when the insured reaches the age of 60 years old.
• Guarantee for the continuation of the family's finance in the amount of:
- 100% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies not due to accident.
- 200% of the amount Insurance Money/ Insurance Money plus the cash value, should the insured
dies due to accident.
• Guarantee for the total permanent disability due to accident in the amount of 100% total insurance
money/ insurance money plus the cash value.
source:
http://www.jiwasraya.co.id
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