Carefully Before Buying An Insurance Policy

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Carefully Before Buying An Insurance Policy

Insurance education is indeed one of the best ways to prepare children's education programs in the future. However, before deciding to buy an insurance policy, you should carefully read the entire clause in there to be no trouble when filing a claim.

In a casual conversation, a senior journalist once told me about the bad experience related to insurance education. In the 80s, he followed the insurance program of education in a leading insurance company in Indonesia. That is, in preparation for his future education fund. Continued payment of premiums every month, until one day he will claim the education insurance for the child's college fund.

Uh ... it turns out, the claim was rejected by the insurance company on the pretext of her late paying insurance premiums. This is because the officer in charge of the house, not in the office. As a result, funding for the college kids must use other funds. "Though it is a bit of money I spend to pay for my children's education insurance premiums. The number reached 100 dollars per month, "he complained.

Story the journalist must bu - the one the one case that occurred in Indonesia. Of course there are many more educational insurance customers experiencing the same thing, ie, can not make a claim against their insurance.

To avoid trouble making a claim, the customer should ensure that there is an insurance clause that says there are definite benefits given education insurance. Because then, there would be no problem about the amount of benefits received and when the consumer. For example, the insurance offered by Allianz education.

"It's easy for a cash disbursement stage, because the benefits provided it is definitely value and time," said Karin Zulkarnaen, Head of Market Management of Allianz Indonesia.

The most important thing that there is no problem in making claims, clarity, and completeness of documents submitted in accordance with the requirements. There is thus the possibility of stages of cash is not paid very little.

A similar statement was made by Nini Sumohandoyo, Corporate Marketing and Communications Director of PT Prudential Life Assurance. Menuruntya, during all procedures and customer requirements are met, the insurance claims process will not be an obstacle.

"Claims in Prudential Indonesia easy and fast if all the procedures and requirements in accordance with its policy have been met by the customer," said Nini. The proof, up to December 31, 2013 The insurance company has paid claims 7 trillion more for a variety of claims and benefits to customers across Indonesia.

Filing a claim that the requirements are not complete and not in accordance with the procedures or benefits that are protected under the policy, can cause problems when the payment of claims. For example, a health problem before buying a policy that was never communicated to the insurance company, also one penyebah non-payment of claims and make the policy void.

Therefore, it is strongly recommended for people or insurance customers to always be honest and complete in providing information about health and disease history were held before enrolling into insurance customers. This is to avoid the problems that can arise when filing a claim.


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