Benefits Health Insurance for Beautiful Life

Thinking health plans, as well as maintaining long-term health. Is insurance needs, we hesitate to menambil insurance. But we do not know our future state. We do not know, that his name human beings prone to diseases, worse that the cost of treatment would cost the family. So we were little discussed the benefits buying health insurance.

Health insurance is one type of insurance product that guarantees the availability of funds if the holders of health insurance have health problems. With health insurance, all kinds of health-related costs in the form of hospital costs, physician fees, drug costs, and operating costs will be covered even insurance companies.

Of course, all the existing terms and conditions set forth by the insurance company in the agreement, such as how much the cost will be paid the insurance of any kind of disease.

To get all these benefits, of course, we have to pay premiums on insurance companies that we cover. When we're in good health and we have to pay premiums on insurance companies, premiums as though - would the money spent in vain, but if one day we experience unexpected health problems whose treatment requires a large cost, the insurance coverage we will receive from the insurance company will much greater when compared with the value premium has been paid.

My opinion: Insurance is the happiness of life, why?

1. We will get paid from insurance companies, it could be a total cost greater than premiums pay, unlike savings.
2. But better that we do not get the funds, it means .. We are always healthy, safe and no disease.
3. Means loss for money we pay, we think not ..! for money we paid automatically used to help others who are sick.
4. That is,We aren't attacked by the disease, precisely it can help others,
5. We believe that money for charitable good, God will replace the better.

So, it's our reason why insurance is for a more beautiful life.
                                                                                                                beautiful healthy lifestyle

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3 Insurance as The Risk Aversion

Choose for buy insurance an investment that has a economic value, be it a insurance soul or property. One's soul and possessions can be insured at the time to keep the risk of accident or health, so there is a grant from the insurance fund. Thus, health risk not only to be faced. You also need to prepare a plan to anticipate the occurrence of the three risks, health, death and property loss. So there are 3 insurance as the risk aversion.

Perhaps the way insurance is too important not to value the property or lives with little economic value. But insurance best fits into the way divert financial consequences arising from such risks.

1. Life insurance

Provide compensation in the form of the sum assured if the policyholder dies. Actually life insurance is not to protect you, but rather to protect the loss of income due to the risk of death at you. Life insurance is important to have if you become the backbone of the family.

2. Health insurance

Provide compensation pay the costs of care (inpatient) and medications. However, health insurance can not be taken, if you have sufficient funds available to pay medical expenses for one year.

3. Loss insurance

Reimburse the costs that occur outside kemarian risk and human health, such as loss of property, profession a good name for a lawsuit. For example, fire insurance (cover costs incurred by the fire house), home ownership insurance (covering all risks of damage to houses due to various reasons).

Car or motorcycle you should also be protected by insurance that could cover the costs of damage or risk of loss.

                                                                                                                 beautiful healthy lifestyle

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Right Steps to Choose an Insurance Product

When you are thinking of joining insurance, you need to see where a product that fits your needs. Do not get even one wrong choice of products to choose an insurance agent. For that, you need to know some things that need to be done in choosing the right insurance product. These steps to choose an insurance product, so you get the insurance lightweight, comfortable and invest.

Not a few insurance companies that closed or does not last long. While insurance is not only the customer's own insurance products only. Since you are buying for the future of a family. We must look at the insurance company first. Before we calculate coverage needs money.

After selecting companies that clear, then customer must look at risk based capital (RBC) insurance companies. Simply put, RBC is a measure that describes the level of financial security insurance company. The greater the ratio, the healthier the company's financial condition as well.

"RBC is a minimum of 125 percent,". That is, the percentage indicates the company is still able to pay, if one day all of its customers make a claim. "There is still spare (remaining) 25 percent, so simple, even if there is a special formulation (to count),

Then, the customer calculates the economic value itself. This is because life insurance is needed for those who have economic value. "So, the kids are not appropriate for the insured lives, because there is no economic value. Unless the child, being a celebrity or to commercials, that's another story.

Calculation of economic value itself will affect customer in the calculation of the sum insured. This is given if the customer dies, the insurance money would come out and be accepted by the heirs.

Regarding the insurance money, the money must be able to establish a capital for his future family. Good for children's education, household operating expenses until his retirement.

So, first I suggest, if you want to take a look at life insurance companies, because of this for the future of your children, your wife, or your business. After that you calculate its economic value. There select the correct product.

                                                                                                                  beutiful healthy lifestyle

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Is it Necessary to Join Insurance at Age singletons?

Perhaps you're thinking about life insurance, but are still unsure about what life insurance benefits for the future. Normally one would think to get life insurance after getting married and moving to old age. But there are some who think, to join the insurance at the age of singletons. Some question, is it necessary to buy insurance at age singletons?

Some of the advantages for health insurance you think . Obviously everyone does not want getting sick, but the investment of insurance funds can be found when sickness or accident.Sequence in selecting insurance is a necessity, new financial capability. Although still single, I suggest to have health insurance because health care costs do not erode your savings and other investments.

Life insurance affairs, you just need it if you have a contribution to family finances. That is, although still single, you probably need life insurance if any family members who are highly dependent lives with you. However, if the conditions were not so, I say you do not need life insurance.

Some things you should know about insurance are:

1. Life insurance premiums combined with investment certainly outweigh the pure life insurance. This is a result of your premium will be divided to pay for insurance and also for the allocation of investment products.
2. Allocation of investment in the investment mix of new insurance products can be stretched 100 percent after a period of several years.
3. If the investment does not match the illustrations in the initial offer, then it is likely you are required to deposit an additional payment of insurance premiums.

Please understand that every year, the insurance premium paid is the cost incurred, and not a savings. So, if you do not need life insurance, do not feel the loss because it has disbursed funds for premiums. You is more prefer positive that risk of accidents or died world who being protected it doesn't happen until this day, not it? Live a Beautiful Life!

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