how to choose assurance and insurance of high value

how to choose assurance and insurance of high value - those of us who are still confused to choose which one is good insurance and the right to be a member of his or her invested there, then we must pay attention to the following 12

There are 12 things you should know before choosing an insurance product.

1. How much premium that must be paid every month / quarter / semester / year. Ask the choice of facilities provided by each option premium offered. Do not for a premium cost, you immediately grab and later disappointed, because the facilities provided will far short of expectations.

2. Choose an insurance product that has benefited not only as protection of life or health, but also has the benefit of an investment, or better known as Unit Link. There are some financial planners who do not like this option, but I am different. They claimed select pure insurance while doing any investing through mutual funds, unit-linked insurance premiums on the grounds would have been more expensive. For this I differ with that they convey. There are two reasons I, first: to have one product we get two advantages: the protection and investment; The second: does everyone have an adequate understanding of investing? But this return to the personal preference of the reader.

3. Find an insurance product that has more benefits than one, for example, in addition to life insurance, also listed therein health protection (health insurance as well as accident), plus it can be used as a savings to fund education (meaning: the policyholder can use part of the money savings to the need for such education of children, for example).

4. Do not just be tempted by the cost of dependents room is big, but consider also whether the fund is borne covered all aspects of hospital care such as rooms, physician services, drugs.

5. Does the insurance company has a network of cooperation with the hospital quite a lot and of course the selection of a given hospital is also a bona fide, so policyholders do not need to provide funding if it had to be hospitalized, and also can choose their preferred hospital.

6. Does the insurance company is willing to accept the request for reimbursement (perobatan billing claims) if the treatment process is done outside the list of hospitals that work with them. Find out how long the claims process is processed by the insurance company.

7. Choose an insurance company that has representatives in a number of hospitals option, so if the policyholder wants to deal to the hospital, none of the insurance companies that stand ready to help the administration process. This of course will be very useful at a time when you are sick, and hope there are those who help resolve all the 'trappings' associated with the administration of your insurance claim. If not you'll take care of itself or to ask family members to it. Imagine ribetnya join the queue.

8. Make sure if you deposited the funds on a regular basis it will be returned after the policy period expired. If there is a piece of how big the existing pieces.

9. Do not be lazy to read the policy and believe 100% with an explanation of an insurance agent who come or call you. Asked for time to study the policy contents. Read when you are relaxed and understand every clause and article, if there is a confusing, immediately ask the insurance agent.

10. At the time you have agreed and signed the policy, within a few weeks you should have already received the policy in the form of hard copy. Read back, if there is no pleasure immediately ask. Good insurance company would be willing to cancel the policy within a specified period (usually two weeks since the policy is accepted) if the policyholder is given does not give comfort to your policyholders.

11. What is certain select a bona fide insurance company. Be careful with the lure of sparkling when the insurance company that offers the reliability of untested and trust them, because a lot of new insurance company and it is unclear how robust and reliable they are.

12. If you have a current obstacles in the process of payment, immediately talk to your insurance agent or company to leave requests and what options are available to you such conditions. Do not let your policy lapse, and you do not take any action.