Benefits of Health Insurance



Health Insurance-Prevention is better than cure. Proverbs that describe it would be nice if we were able to prevent illness rather than treat it as we experience it. But one day, as humans, we can just keep developing the disease despite our best efforts - good for preventing a disease. Worse yet, these health problems come with no predictable by anyone. Usually when things like this happen, a feeling of confusion is the family who were surprised about the cost to be borne. As we all know, today is the cost to support health can not be said to be cheap, one could even say very expensive. To overcome such difficulties in the future, we need health insurance.

 photo Benefits of Health Insurance


Health insurance is one of the types of insurance products that ensure the availability of funds if the holders of health insurance have health problems. By having health insurance, all sorts of health-related costs in the form of hospital costs, physician costs, drug costs, and even the operating costs will be borne by the insurance company. Of course it all depends on the terms and conditions stipulated by the insurance company in the agreement.

Many benefits can be obtained by having health insurance among other outpatient benefits, hospitalization benefits, and dental benefits. In general, outpatient benefits covered by insurance companies such as consulting fees in both general practitioners and specialists, the cost of medicines prescribed by the doctor, the cost of preventive measures. As for hospitalization benefits, the cost of which is borne by the insurance company covers the cost of hospital, laboratory costs, emergency service costs, including labor costs.

Besides the two above benefits, there are also benefits that include dental care dental expenses as well as basic and complex installation cost dentures. To get all these benefits, of course, we must pay a premium to the insurance company that bore us. When we are in good health and we must pay a premium to the insurance company, the premium though - would the money spent by the useless but then, when we unexpectedly experienced health problems that require treatment cost, insurance coverage we will receive from the insurance company will much greater than the value of the premium has been paid.

Now we already know what benefits we can receive from the insurance company if we have health insurance, it's time to decide whether health insurance really - really going to be useful in our lives. Think about this decision - good because it will affect our lives in the future.

What are the most valuable investment in your life?

Investment-Gold? Property? or Shares? The most valuable investment is an investment in children. You must be proud if you have a smart, loving parents, and may also have a higher education. As a wise man, you definitely want your child's goals can be achieved, the cost of tuition available. On the other hand, the cost of education is increasingly expensive. Obviously, with a more complete educational facilities, and the bona fide of a university, the greater the cost of education.
Let us calculate, for example:
Your child's current age of 3 years.
The inflation rate of 10%, and the Cost of Education for Higher Education is $ 10,000, -.
then when your child is 18 years of age, education costs jumped to $ 420.000, -
Wow! remarkable figure, of course you wonder, what might get that much money.


Your child's task is to learn with the best, and your job as parents is to prepare the funds so that in time, the necessary funds are available. To that end, the solution is to prepare early.
The next question is:
• How much should you save?
• Do I have enough tubes for this?
• What if you can not save anymore because there is a risk?

Invest in Insurance

Education Insurance-What are the most valuable investment in your life?
Gold? Property? or Shares? The most valuable investment is an investment in children. You must be proud if you have a smart, loving parents, and may also have a higher education. As a wise man, you definitely want your child's goals can be achieved, the cost of tuition available. On the other hand, the cost of education is increasingly expensive. Obviously, with a more complete educational facilities, and the bona fide of a university, the greater the cost of education.


Let us calculate, for example:
Your child's current age of 3 years.
The inflation rate of 10%, and the Cost of Education for Higher Education was $ 10,000, -.
then when your child is 18 years of age, education costs jumped to $ 42,000, -
Wow! remarkable figure, of course you wonder, what might get that much money.

Your child's task is to learn with the best, and your job as parents is to prepare the funds so that in time, the necessary funds are available. To that end, the solution is to prepare early.
The next question is:
• How much should you save?
• Do I have enough tubes for this?
• What if you can not save anymore because there is a risk?

Distinction Education Savings and Insurance Education

Education Insurance-Still many are asking, what's the difference between the two. The short explanation more or less like this.


Both have the same goal of preparing the educational fund for children. Then the difference where? Insurance Education has a value-added, because it protects the breadwinner (in this case his parents, father or mother, or both), so that when the risk occurs, whether due to be called God more quickly, critically ill, or total disability resulting in parents not able to work again, certainly education funding remains available for our baby.

Recognizing the principle of Customer

Insurance Clients
That the Customer must be recognized is mandatory- many cases of money laundering involving the Customer, and using non-bank financial institutions to launder their money.


It is mandatory for customers to recognize the purpose of monitoring as well as facilitate in providing security to customers. On the basis of the financial institution must terbebasa of money laundering efforts, so to know the customer is an important obligation.

Claims Filing Procedures / Motor Vehicle Insurance Claims

Insurance Claims-Many people think that taking care of the insurance hassle, convoluted, long and others. Hopefully this guide can help in penguran motor vehicle insurance claims:


1. Notify no later than 3 x 24 hours after the incident to the Insurance Company or the nearest branch.
2. Checking policy is still valid or whether the policy premium has been paid
3. Survey the damage by the insurance officer.
4. Checking the risks that are guaranteed in the policy with the incidence of claims is included in the warranty or not.
5. Fill out claim forms provided by the insurance company.
6. Insurance companies authorized to appoint the garage to fix it, but in practice it was likely another workshop proposed insured. There are also insurance companies decided to take the tender to choose the least cost.
7. Insured complete the document claims, among others:
- Form a report of loss that has been filled in, signed.
- Minutes from the police / authorities about the accident.
- This is mainly to examine the position or the position of third parties.
8. Submission of repair costs from the garage.
9. Receipts for repair costs.

Insurance Benefits? ..

Insurance Benefits-Insurance is one form of risk control is done by way of transfer / transfer risk from one party to another party in this case is an insurance company.
Besides as a form of risk control (financially), insurance also has a variety of benefits that are classified into: the main function, the function of secondary and additional functionality. The main function of insurance is a transfer of risk.


premium collection and a balanced fund. Insurance secondary function is to stimulate business growth, prevent loss, damage control, have social benefits and the savings. While insurance is an additional function as an investment fund and invisible earnings.

What is "Risk Management"?

Risk Management-Management risk is the risk management process that includes identification, evaluation and control of risks that can threaten the continuity of business or an activity. Language sounded heavy, but for us as a family indvidu is our organization with a variety of activities. Do not forget to manage our family finances should be able to do the identification, evaluation and risk control of our finances. My personal example was not good at managing family finances such as businesses.


Eliminate the risk means eliminating all possibility of such losses in the drive in the wet season, limited to a maximum vehicle speed of 60 km / hour. Minimize the risk carried by efforts to minimize such losses in production, the odds of product failure can be reduced by quality control (quality control). Holding your own risk means to bear the whole or part of the risk, for example by establishing cash reserves to face the losses that would occur (retention). While the transfer / risk transfer can be done by moving the losses / risks that may occur to other parties, such as insurance companies.

Whether All Risks Can Be Insured?..

Risk Management-Not all risks can be insured. risks can be insured are: the risk that can be measured by money, the risk of homogeneous (the same risks and are pretty much guaranteed by the insurance), a pure risk (the risk is not profitable), particular risk (the risk of individual sources), the risks occur suddenly (accidental), insurable interest (the insured has an interest in the object insured) and the risks that are not contrary to law.


Gambling is not the risk is clearly not covered because of gambling including speculative risks. So one of my Ijtihad legal gambling is haram, but the insurance law is permissible.