Health Insurance That Can Ensure A More Decent Life
Showing posts with label Health Insurance. Show all posts
Showing posts with label Health Insurance. Show all posts
Wednesday, October 14, 2009
Thursday, October 1, 2009
Comparison of Various Models of Health Insurance
Paint: The concept of insurance in health financing has evolved through various approaches of the social (social health insurance) and commercial (commercial health insurance). Developing both Dantara Health Insurance is regulated in a World Bank report (1993) recommended to be implemented as a substitute for the principle Commercial / Private Helath Insurance
In Indonesia, the development of social health insurance (Health Insurance / JK) is regulated in Law No. 40 of 2004 on the Social Security System (Forecast) which is one of the program with Accident Compensation Insurance Program (JKK), Security Hari Tua (JHT), Security Death ( JKM) and the Pension Guarantee (JP). JK program held nationally, based on the principle of social insurance and equity. The goal is to provide benefits kesehatran maintenance and protection in meeting the basic needs of health
The principle of social insurance programs in the Forecast includes JK mandatory participation and non-discriminatory for a formal group, based on percentage revenue contribution to be a burden shared between the giver and the recipient's work to some extent, so that there is mutual between rich and poor, high-risk hospital - low, old and young with the benefits of the same medical service (the principle of equity), and accessible services nationally (portability), is comprehensive, with healthcare benefits promotive, preventive, curative and rehabilitative, including drugs and medical consumable materials. Management is carried out with prudence, nonprofit, transparency and accountability high. Fund of funds mandate program is used as much as possible for the interests of participants.
Specialty programs in the Navigation JK is that the Organizing Board must develop a system of health care, service quality control systems and healthcare payment systems to improve efficiency of health insurance. Organization of health insurance to apply the principles of managed healthcare concept, such as application of the concept of family physicians, the concept of reference, the concept of territory and the prospective payment (Prospective Payment System) as capitation, rates, packages, and DRG's (Diagnosis Related Groups). Drug services provided in accordance with the list and the highest price of medicines, medical materials and consumables specified.
Wednesday, September 30, 2009
Health Through Financing Social Health Insurance
Health Through Financing Social Health Insurance
Health financing has increased from time to time and felt good weight by government, particularly the business community in general. For that many countries choose the type of health financing system for his people, who applied nationally. The dominant models of implementation adapted to the situation in their respective countries.
Some of the dominant model is:
1. Model of social health insurance (Social Health Insurance). This model was pioneered since Germany under Bismarck in 1882. This model is developed in several European countries, Japan (since 1922) and then to the State, other Asian countries namely the Philippines, Korea, Taiwan etc.. The advantages of this system allows 100% population coverage and the relatively low increase in health service costs.
2. Model of commercial health insurance (Commercial / Private Health Insurance). This model developed in the United States. However, this system failed to reach 100% population coverage. Approximately 38% of the population not included in the system. Besides the cost increases are very large because of moral hazard opportunity. Since the year 1993; by the World Bank recommended the development of a model where the Regulated Health Insurance membership based group with a certain minimum amount requirement, thereby reducing the chance of moral hazard
3. Model NHS (National Health Services) who pioneered the British government since the second world war ended. This model also opens opportunities 100% population coverage. However, health financing is secured through the government budget will be a heavy burden.
Health Insurance
Sick individual risk groups
The law of lsrge number
Uncertainty must
Principle:
1. Paying Premiums / Fees (Small) Benefit / compensation of large
2. Protect participants from risk (economics)
Among the various models, the social health insurance choice in many countries. The use of the term insurance in this program is because of an aspect of risk transfer (economics) because of illness and the legal requirements the law of the large number. Tendency (universal) from the implementation of social health insurance are:
1. That the social health insurance programs starting from formal groups, labor, and then develop the non-formal groups and self-employed. Program for the poor are often developed as part of a group of non-formal, or developed independently of each depend on state policies. Social health insurance programs in various countries showed an increase throughout the population to access health facilities and the cost control.
2. In many countries, this program begins with several agencies, but organizers will decrease the amount. Starting with the cooperation / coordination among various agencies organizer, then the merger that eventually became a provider agency which conducted a national program (for example; Taiwan, South Korea). Thus the bargaining power greater penyelengara body, while the law the law of the large number is also growing.
The development of social health insurance in many countries has changed the traditional concept of health insurance where the next social health insurance is not only considered as a system of financing but also the health care system. Therefore, the concept of modern social insurance, health insurance programs base their work on two important issues namely; integration of financial systems (financing of healthcare) and system services (delivery of healthcare) are efficient and effective.
Some of the dominant model is:
1. Model of social health insurance (Social Health Insurance). This model was pioneered since Germany under Bismarck in 1882. This model is developed in several European countries, Japan (since 1922) and then to the State, other Asian countries namely the Philippines, Korea, Taiwan etc.. The advantages of this system allows 100% population coverage and the relatively low increase in health service costs.
2. Model of commercial health insurance (Commercial / Private Health Insurance). This model developed in the United States. However, this system failed to reach 100% population coverage. Approximately 38% of the population not included in the system. Besides the cost increases are very large because of moral hazard opportunity. Since the year 1993; by the World Bank recommended the development of a model where the Regulated Health Insurance membership based group with a certain minimum amount requirement, thereby reducing the chance of moral hazard
3. Model NHS (National Health Services) who pioneered the British government since the second world war ended. This model also opens opportunities 100% population coverage. However, health financing is secured through the government budget will be a heavy burden.
Health Insurance
Sick individual risk groups
The law of lsrge number
Uncertainty must
Principle:
1. Paying Premiums / Fees (Small) Benefit / compensation of large
2. Protect participants from risk (economics)
Among the various models, the social health insurance choice in many countries. The use of the term insurance in this program is because of an aspect of risk transfer (economics) because of illness and the legal requirements the law of the large number. Tendency (universal) from the implementation of social health insurance are:
1. That the social health insurance programs starting from formal groups, labor, and then develop the non-formal groups and self-employed. Program for the poor are often developed as part of a group of non-formal, or developed independently of each depend on state policies. Social health insurance programs in various countries showed an increase throughout the population to access health facilities and the cost control.
2. In many countries, this program begins with several agencies, but organizers will decrease the amount. Starting with the cooperation / coordination among various agencies organizer, then the merger that eventually became a provider agency which conducted a national program (for example; Taiwan, South Korea). Thus the bargaining power greater penyelengara body, while the law the law of the large number is also growing.
The development of social health insurance in many countries has changed the traditional concept of health insurance where the next social health insurance is not only considered as a system of financing but also the health care system. Therefore, the concept of modern social insurance, health insurance programs base their work on two important issues namely; integration of financial systems (financing of healthcare) and system services (delivery of healthcare) are efficient and effective.
Tuesday, September 29, 2009
Health Insurance Company to the Company's investments Why Smoke?
Health Insurance Company to the Company's investments Why Smoke?
Who would have thought, turned out to insurance companies engaged in the health and life insurance in the United States, Canada, and England, it invests billions of dollars in tobacco companies. According to a report of a study published in the medical journal, The New England Journal of Medicine.
Wesley Boyd, the study's lead author, found at least 4.4 billion dollars in insurance company funds invested in companies associated with tobacco products, cigars, and chewing tobacco (chewing).
"Although the doctors have asked these companies to come out of the cigarette business, but they still take advantage of the health of the people," said Boyd, the faculty at Harvard Medical School. "It is clear, their main priority is to make money, not health care," he wrote.
Tobacco is considered as the main cause of lung cancer and main risk factors for heart attack, stroke, lung disease, and cancer. According to the World Health Organization, tobacco contributed to the 5.4 million deaths per year.
Regarding insurance companies that invest in the tobacco industry, is not really new news. Earlier in the year 1995 it was reported in a British medical journal, Lancet.
"While investing in tobacco companies, while selling life insurance or health, may seem to embarrass myself, but can reap huge profits from those two things is more important for these companies," writes Boyd.
"Insurance does not include protection for smokers, or they charged high premiums. Insurance profit-and loss-smokers twice," said Boyd.
Based on Boyd's report, the U.S. insurance company, Prudential Financial Inc., has 264.3 million U.S. dollar investment in three U.S. tobacco companies, including Reynolds America and Philip Morris. Meanwhile, the Canadian insurer, Sun Life Financial Inc., which sells life insurance policies, disability insurance (disability), and health insurance have a stock portfolio with a value of more than one billion dollars in two tobacco companies, including U.S. $ 890 million in Philip Morris.
Prudential Plc, which sells health insurance policy and disability insurance, has a 1.38 billion U.S. dollars in the two tobacco companies, including British American Tobacco (BAT). The study also details the major investments in tobacco companies from the U.S. insurance company, Northwestern Mutual and Massachusetts Mutual Life, and Scottish companies, Standard Life Plc.
Wesley Boyd, the study's lead author, found at least 4.4 billion dollars in insurance company funds invested in companies associated with tobacco products, cigars, and chewing tobacco (chewing).
"Although the doctors have asked these companies to come out of the cigarette business, but they still take advantage of the health of the people," said Boyd, the faculty at Harvard Medical School. "It is clear, their main priority is to make money, not health care," he wrote.
Tobacco is considered as the main cause of lung cancer and main risk factors for heart attack, stroke, lung disease, and cancer. According to the World Health Organization, tobacco contributed to the 5.4 million deaths per year.
Regarding insurance companies that invest in the tobacco industry, is not really new news. Earlier in the year 1995 it was reported in a British medical journal, Lancet.
"While investing in tobacco companies, while selling life insurance or health, may seem to embarrass myself, but can reap huge profits from those two things is more important for these companies," writes Boyd.
"Insurance does not include protection for smokers, or they charged high premiums. Insurance profit-and loss-smokers twice," said Boyd.
Based on Boyd's report, the U.S. insurance company, Prudential Financial Inc., has 264.3 million U.S. dollar investment in three U.S. tobacco companies, including Reynolds America and Philip Morris. Meanwhile, the Canadian insurer, Sun Life Financial Inc., which sells life insurance policies, disability insurance (disability), and health insurance have a stock portfolio with a value of more than one billion dollars in two tobacco companies, including U.S. $ 890 million in Philip Morris.
Prudential Plc, which sells health insurance policy and disability insurance, has a 1.38 billion U.S. dollars in the two tobacco companies, including British American Tobacco (BAT). The study also details the major investments in tobacco companies from the U.S. insurance company, Northwestern Mutual and Massachusetts Mutual Life, and Scottish companies, Standard Life Plc.
Monday, September 28, 2009
Sunday, September 27, 2009
Health Insurance Program and Acting Minister Premium Donate 24 Million
Health Insurance Program and Acting Minister Premium Donate 24 Million
Minister of health insurance programs and certain officials conducted by PT Asuransi Kesehatan Indonesia (Askes) estimated only contributed premiums of USD 24 billion per year. So it was made by Director Askes.
Saturday, September 26, 2009
Health Insurance: Provides a Comprehensive Health Insurance Services
Health Insurance: Provides a Comprehensive Health Insurance Services
Health is the pearl of human life. Therefore, employee health and company officials is important. Because disruption of employees 'health is a disruption of employees' health is a disruption of production processes and firm performance.
For that we create products hexa comprehensive health insurance not only to act but also inpatient outpatient measures and prevention. This will improve the performance of the employee because the welfare and health has been protected by Insurance companies, Health and Pensions reliable.
We create products that hexa Health Insurance products include:
For that we create products hexa comprehensive health insurance not only to act but also inpatient outpatient measures and prevention. This will improve the performance of the employee because the welfare and health has been protected by Insurance companies, Health and Pensions reliable.
We create products that hexa Health Insurance products include:
- Hex Managed Care
- Hex Medicare
- Hex Hospicare
- Hex Medicash
- Hex Global Health Care
- Hex Senior Care
Friday, September 25, 2009
Sunday, September 20, 2009
Saturday, September 19, 2009
Friday, September 18, 2009
Affordable Health Insurance And Good For You
Affordable health insurance and good for you
One of the problems in our health service is the health financing. Approximately 70 percent of the cost of Indonesia to finance their own doctor or hospital, while health costs continue to rise. Increasingly sophisticated medical technology increasingly expensive health costs.
Increased health costs not only happen in Indonesia, but throughout the world. Factors that increase the cost of the price of medicines, medical equipment, as well as honoraria doctors, although doctors honoraria element is merely a small part of overall health costs.
Although we have health care carefully, the disease can come unexpectedly. Traffic accidents like that of your in-laws, for example, is a frequent event in Indonesia's family, and even some 30,000 people die every year due to traffic accidents. Thus, it is wise to familiarize yourself Indonesia families protect themselves with health insurance. Regularly pay a premium, if fallen ill with the assistance of health insurance that does not burden the family expenses. We often see families who have debt to pay for hospital costs.
Actually, in my experience, today's health insurance in Indonesia is quite good. Support health insurance will depend on agreement between the customer and insurance companies. The greater the premium paid more complete support for insurance.
Therefore, you need to look at the support of health insurance coverage before choosing health insurance. Does coverage include outpatient services and inpatient? Is there a particular disease that is not guaranteed insurance company?
Also to note where the service. Are you able to choose doctors or hospitals you want or are limited to hospitals that have been appointed? All should be noted, including when the guarantee came into force effectively. For example, there are certain health insurance just beginning guarantee after 30 days after the signing of the agreement.
Health insurance services is now very varied. In addition to offering financial guarantees when ill, there is combine them with certain services, such as premiums are paid in part shall be applied as a savings or investment.
This offer is certainly interesting, but usually offered insurance premiums will be greater too. In addition, those who actually join the insurance program at a young age will get some ease, for example, no medical examination required and also to remember insurance premiums will increase with increasing age of the customer. So, come in health insurance at a young age.
Although you and your family will already be a customer of health insurance, healthy lifestyle should remain obliged. It's certainly better than the ill health though health insurance costs are covered. So, do not leave a healthy lifestyle has become a customer even though health insurance.
I understand the challenges facing young families today's Indonesia. I feel glad to place your family's health as an important element that needs attention. Well, I hope you and your family will be healthy and happy always.
Increased health costs not only happen in Indonesia, but throughout the world. Factors that increase the cost of the price of medicines, medical equipment, as well as honoraria doctors, although doctors honoraria element is merely a small part of overall health costs.
Although we have health care carefully, the disease can come unexpectedly. Traffic accidents like that of your in-laws, for example, is a frequent event in Indonesia's family, and even some 30,000 people die every year due to traffic accidents. Thus, it is wise to familiarize yourself Indonesia families protect themselves with health insurance. Regularly pay a premium, if fallen ill with the assistance of health insurance that does not burden the family expenses. We often see families who have debt to pay for hospital costs.
Actually, in my experience, today's health insurance in Indonesia is quite good. Support health insurance will depend on agreement between the customer and insurance companies. The greater the premium paid more complete support for insurance.
Therefore, you need to look at the support of health insurance coverage before choosing health insurance. Does coverage include outpatient services and inpatient? Is there a particular disease that is not guaranteed insurance company?
Also to note where the service. Are you able to choose doctors or hospitals you want or are limited to hospitals that have been appointed? All should be noted, including when the guarantee came into force effectively. For example, there are certain health insurance just beginning guarantee after 30 days after the signing of the agreement.
Health insurance services is now very varied. In addition to offering financial guarantees when ill, there is combine them with certain services, such as premiums are paid in part shall be applied as a savings or investment.
This offer is certainly interesting, but usually offered insurance premiums will be greater too. In addition, those who actually join the insurance program at a young age will get some ease, for example, no medical examination required and also to remember insurance premiums will increase with increasing age of the customer. So, come in health insurance at a young age.
Although you and your family will already be a customer of health insurance, healthy lifestyle should remain obliged. It's certainly better than the ill health though health insurance costs are covered. So, do not leave a healthy lifestyle has become a customer even though health insurance.
I understand the challenges facing young families today's Indonesia. I feel glad to place your family's health as an important element that needs attention. Well, I hope you and your family will be healthy and happy always.
Wednesday, September 16, 2009
Health Insurance Is Not Expensive And Useful To You
Health insurance is not expensive and useful to you
My in-laws 61-year-old traffic accident and need to undergo brain surgery. Fortunately, the operation went well and he was well again.
Only, he was forced to deplete his savings accumulated for years because of hospital costs up to Rp 20 million. I can not imagine if he had no savings, how the difficulties to be faced.
I just got married a year ago. Although our family only, we are planning a health insurance customers. We feel today's health care costs increasingly expensive and these costs can not be expected. We have insured the car, because it is sensible we also entered the health insurance. Is not God good health is very valuable to be well maintained?
We've had enough health insurance plan and we have contacted several companies. However, we still have difficulty in choosing health insurance. We're being cautious because we're afraid the wrong choice. In terms of funding we have leeway. My wife and I work so that relief funds have to pay insurance premiums.
We are especially careful after hearing many complaints an insurance participants were disappointed with the health insurance services in Indonesia. Some of our acquaintances and even choose a foreign health insurance on the consideration is more reliable and more extensive service coverage. Apparently health insurance services in Indonesia doubt. What was promised was in accordance with the services provided.
He said, at the time offered an insurance policy officer described it easy. If enough customers fell ill just thinking about the pain and the insurance company that will clean up all the costs. In practice, many exceptions that must be considered.
As a doctor who often serve patients who have health insurance, whether the doctor can recommend a company good health insurance? Anything that must be considered before choosing a health insurance? Doctor's advice we needed because I was the financial sector, while the architect's wife. Thus, we lack an understanding of health insurance. Thank you for the explanation Doctor.
Only, he was forced to deplete his savings accumulated for years because of hospital costs up to Rp 20 million. I can not imagine if he had no savings, how the difficulties to be faced.
I just got married a year ago. Although our family only, we are planning a health insurance customers. We feel today's health care costs increasingly expensive and these costs can not be expected. We have insured the car, because it is sensible we also entered the health insurance. Is not God good health is very valuable to be well maintained?
We've had enough health insurance plan and we have contacted several companies. However, we still have difficulty in choosing health insurance. We're being cautious because we're afraid the wrong choice. In terms of funding we have leeway. My wife and I work so that relief funds have to pay insurance premiums.
We are especially careful after hearing many complaints an insurance participants were disappointed with the health insurance services in Indonesia. Some of our acquaintances and even choose a foreign health insurance on the consideration is more reliable and more extensive service coverage. Apparently health insurance services in Indonesia doubt. What was promised was in accordance with the services provided.
He said, at the time offered an insurance policy officer described it easy. If enough customers fell ill just thinking about the pain and the insurance company that will clean up all the costs. In practice, many exceptions that must be considered.
As a doctor who often serve patients who have health insurance, whether the doctor can recommend a company good health insurance? Anything that must be considered before choosing a health insurance? Doctor's advice we needed because I was the financial sector, while the architect's wife. Thus, we lack an understanding of health insurance. Thank you for the explanation Doctor.
Tuesday, September 15, 2009
Health Insurance Is Right For You
Health insurance is right for you
Provides an umbrella before it rains. That's the right phrase when we have planning in anticipation of the worst in terms of financing, including health. In an age which is too complex, have health insurance seems more important considering the cost of care and treatment more expensive and unpredictable.
The following are types and types of insurance: travel insurance, pet insurance, medical insurance, nationwide insurance, home insurance, affordable health insurance, car insurance quotes, motorcycle insurance, geico insurance, insurance quotes, term life insurance, american family insurance.
The following are types and types of insurance: travel insurance, pet insurance, medical insurance, nationwide insurance, home insurance, affordable health insurance, car insurance quotes, motorcycle insurance, geico insurance, insurance quotes, term life insurance, american family insurance.
Monday, September 14, 2009
3 (Three) Types Of Life Insurance | Health Insurance | Life Insurance
Basically there are 3 (three) types of life insurance are:
- Term Assurance
- Whole Life Assurance
- Endowment Assurance
Saturday, September 12, 2009
Socialized Insurance
In order to join the insurance socialized into the middle of the community. hopefully can become the media contribute to thoughts of insurance professionals who struggled in the field of underwriting and claims. Adequate understanding will make insurance workers can carry out their duties professionally by upholding professional ethics carried.
Friday, September 11, 2009
Why Should Health And Life Insurance
Why Should Health And Life Insurance
Life Insurance and Health Insurance is required primarily for self-employed and informal workers who do not have health insurance from a company or government agency.
An entrepreneur like me if ill or disabled because of an accident will have a lot of financial losses / financially because they have to bear the cost of treatment and can not work for a living. Others as if someone working in a company or a government employee, they usually get health insurance that will cover the cost if the hospital and paid fixed monthly salaries. (But not all companies provide decent health insurance lho)
Before you decide what insurance products, from insurance companies which I highly recommend to compare different products, types of products from several insurance companies. Do not rush to buy insurance products without understanding the clarity of rights and obligations if we take an insurance product.
Some tips from me to choose insurance products:
One more suggestion I as a customer who had been deceived by an insurance product "Do not buy Life Insurance and Health Unit Link associated with investment". Trust unit-linked products very expensive the cut, you better take health insurance and pure and invest money into Mutual Funds separately.
An entrepreneur like me if ill or disabled because of an accident will have a lot of financial losses / financially because they have to bear the cost of treatment and can not work for a living. Others as if someone working in a company or a government employee, they usually get health insurance that will cover the cost if the hospital and paid fixed monthly salaries. (But not all companies provide decent health insurance lho)
Before you decide what insurance products, from insurance companies which I highly recommend to compare different products, types of products from several insurance companies. Do not rush to buy insurance products without understanding the clarity of rights and obligations if we take an insurance product.
Some tips from me to choose insurance products:
- Determine the benefits of whatever protection we need
- Look for information of insurance products according to our needs by collecting brochures from different companies or websites to find information on insurance companies
- Ask the agency in more detail about these products as a whole until details of the calculation of the allocation of funds we pay for everything
- Do not believe what insurance agents say, because they are not necessarily well understood by the products they offer.
- Ask for an illustration made dicetakkan benefits insurance products, premiums to be paid and the allocation of premiums to be paid wherever
- Learn the contents of the illustrations in the house with a relaxed and thoroughly, do not rush to conclusions, ask a better idea if there is not yet clear
- Compare products from various insurance companies, which provide the greatest benefit with the least expensive premiums, but also find out whether the company info bona fide or not
- Do not just BASED on the best insurance award from a magazine, but you should really know how to calculate the insurance costs
- Determine your choice of insurance products after all you really understand
- After determining and deciding to buy an insurance product we will accept an insurance policy that contains a binding agreement between the customer and the insurance company, study the contents policy, customers are usually given 14 days a chance to cancel the policy.
One more suggestion I as a customer who had been deceived by an insurance product "Do not buy Life Insurance and Health Unit Link associated with investment". Trust unit-linked products very expensive the cut, you better take health insurance and pure and invest money into Mutual Funds separately.
Monday, August 31, 2009
Health Insurance Claims
Health insurance claims Addressed all your Medicare claims to the Company through the agency of Allianz madeallianz. This will help us in doing archiving files and accompaniment claim process very well.
It is important. That having health insurance, it does not solve the entire problem of financial risk your health. Because health insurance only protects the insured terhadp health risks that may be occurring in the future, rather than risk the obvious and has occurred. In this case, health insurance products must have a general provision called the Health Insurance Policy Exclusions. Based on our experience during this assistance, it is suggested that do not use your entire health budget to buy Health Insurance policy. Set aside 25% as a reserve to cover the things that may be excluded in your health insurance policy. Although we have delivered in the beginning, but it remains unpaid claims will be things that are fun for customers as well as agents madeallianz companion.
Health insurance is a very unique, because it has a limited exemption in addition to policyholders, claims the process is happening in dire need of extra service commitment. This is one thing that can not be measured in terms of quantity or value of the premium. madeallianz fully aware, that the assistance we do claim that it is not easy. However, this remains our focus to provide the BEST at customer support madeallianz with.
It is important. That having health insurance, it does not solve the entire problem of financial risk your health. Because health insurance only protects the insured terhadp health risks that may be occurring in the future, rather than risk the obvious and has occurred. In this case, health insurance products must have a general provision called the Health Insurance Policy Exclusions. Based on our experience during this assistance, it is suggested that do not use your entire health budget to buy Health Insurance policy. Set aside 25% as a reserve to cover the things that may be excluded in your health insurance policy. Although we have delivered in the beginning, but it remains unpaid claims will be things that are fun for customers as well as agents madeallianz companion.
Health insurance is a very unique, because it has a limited exemption in addition to policyholders, claims the process is happening in dire need of extra service commitment. This is one thing that can not be measured in terms of quantity or value of the premium. madeallianz fully aware, that the assistance we do claim that it is not easy. However, this remains our focus to provide the BEST at customer support madeallianz with.
Have Health Insurance Claims Rates Very High and Complex
Have health insurance claims rates very high and complex. Therefore, make sure you choose an insurance agent who can provide assistance in intensive claims process.The process is the moment of proof claim insurance on the insured promises. This is the main thing will be a customer focus, escort agencies, and companies. In this case, to reconcile the rights and obligations of customer (the insured) with the rights and obligations of the company (insurer). When, all the terms and conditions have been fulfilled according to claim Medicare policy, then none of the insurance company can deny the claim or not paying the benefits protection. All is explained in detail in the Policy book and every insurance policy has a guarantee of legal certainty in the Unitary Republic of Indonesia.
Communicate always against all things which your insurance needs to madeallianz (Including Health Insurance CLAIM you), so we get the opportunity to provide professional mentoring & committed. Has become our daily activities to always serve and assist Customer from beginning the process of buying, the filing of the claim until the realization of the payment of claims. We are confident, sincere commitment to this profession will build long-term relationship that is more meaningful to get to SUCCESS.
Allianz Health Insurance For Individuals and Collection of Employees
Allianz health insurance for individuals and collection of EmployeesThere are also employee welfare programs (Employee Benefit)
such as: Life Insurance collection, Severance Fund, and Financial Institutions Pension Fund.
Health insurance is the insurance needs of the most important before you have an insurance program and other investments. Since health is your basic capital to perform various activities of this life. The high pollution and the capital of the pattern of life needs no regular exercise and rest is not enough, as well as eating more instant now, all of that to further improve the HEALTH RISK. Thus, opportunities for the sick person is very high. While health or medical costs are increasingly expensive, especially the cost of hospital and medical supplies. Therefore, immediately protect yourself, family or employees with health insurance program BEST.
In general, the product consists of Health Insurance Benefit Health and Health. These two products have a very fundamental difference.
Health insurance will provide reimbursement based on the receipt of medical bills, according to plan health insurance policy benefits. Health Insurance Benefit Cross can be done, namely make a claim to more than one insurance company or the remainder of the difference in just using a copy of a file that has been legalized by the previous insurance.
Health Benefit will provide appropriate reimbursement amount per contract is planned every day patient inapnya. This health benefit can do Double Benefit, which is double the claim to more than one insurance company to the benefit of each intact. This may be a substitute for compensation of lost income per day due to risk of hospitalization.
Main advantage of all the products of Allianz Health Insurance:
such as: Life Insurance collection, Severance Fund, and Financial Institutions Pension Fund.
Health insurance is the insurance needs of the most important before you have an insurance program and other investments. Since health is your basic capital to perform various activities of this life. The high pollution and the capital of the pattern of life needs no regular exercise and rest is not enough, as well as eating more instant now, all of that to further improve the HEALTH RISK. Thus, opportunities for the sick person is very high. While health or medical costs are increasingly expensive, especially the cost of hospital and medical supplies. Therefore, immediately protect yourself, family or employees with health insurance program BEST.
In general, the product consists of Health Insurance Benefit Health and Health. These two products have a very fundamental difference.
Health insurance will provide reimbursement based on the receipt of medical bills, according to plan health insurance policy benefits. Health Insurance Benefit Cross can be done, namely make a claim to more than one insurance company or the remainder of the difference in just using a copy of a file that has been legalized by the previous insurance.
Health Benefit will provide appropriate reimbursement amount per contract is planned every day patient inapnya. This health benefit can do Double Benefit, which is double the claim to more than one insurance company to the benefit of each intact. This may be a substitute for compensation of lost income per day due to risk of hospitalization.
Main advantage of all the products of Allianz Health Insurance:
- Standard QUALITY service and has experienced many years of directly managing their own health insurance programs and individual collection. This professional system called "Allianz Health Care Management".
- 24-hour protection 365 days since the beginning of membership (without the waiting period).
- Available options with claims in the cashless card system hospital providers and Reimbursement systems in all hospitals / clinics in the world without exception.
- Available Network Provider Hospitals Allianz very broad (approximately 400-an) in the entire territory of Indonesia.
- Available Network Provider Hospitals ad-Medika which is also very widespread in all parts of Indonesia.
- There are products for individuals and group health insurance as well as Sharia.
- Available options are very complete protection, such as Inpatient, Street, Maternity, Dental, and Glass Eye.
- The claim is certain, namely a maximum 14 working days since the file is received complete by the central office.
- Assistance claims by insurance agents madeallianz with team support and team dealer claims that progress reports be submitted online at the Customer Website.
Health Care Management System is doing some things IMPORTANT:
- Pre authorization to ensure patients are participants who are still in the health insurance Allianz Insurance policies and benefits provided in accordance with the Plan Benefit in policy.
- Quality Management Services to establish conditions for service providers throughout the hospital in accordance with the provisions of services the Indonesian Doctors Association (IDI) and regularly audit the quality of services received by participants.
- Service 24 hours / day with 365 call center systems are ready to give assistance and complaints of participants in a consistent and professional.
ADVANTAGE addition to Allianz Health Insurance:
Individual health insurance
Individual health insurance
- Violet Maxi program can cover the entire nuclear family members in a health insurance policy.
- Have insurance policy renewal until the age of 70 years (Article 2 point 6 of: "Can Extended Warranty Insurance Policy or Renewebility Guaranteed Policy")
- Has Plan Inpatient, Outpatient, Maternity Care, and Outpatient dental benefits to groups 1,000,000 / day.
- Inner Benefit Has a very comprehensive with a broader restriction.
- Benefit Claims which are not limited to its accumulation in a year or without a maximum annual limit.
- Available options in the program and the rupiah currency U.S. Dollar.
- Available options Sharia Health Insurance Program and non-Sharia.
- Facilities can claim to use cashless card systems with provider hospitals and Ad-medika Reimbursement system from any hospital around the world without exception.
- Progress claims via SMS to Mobile customer at any time by the head office to claim the Reimbursement system.
- There are many interesting DISCOUNTS for no claim bonus, family packages, and package savings protection.
IMPORTANT:
CAUSE Health Insurance in the separation with the Life Insurance?
CAUSE Health Insurance in the separation with the Life Insurance?
- Inflation is very high on the cost of doctors, hospitals and drug prices, and all that obatannya unpredictable or calculated at the beginning, especially for planning the next decades. Thus, if there are adjustments to future insurance costs due to inflation, it will not alter the balance of illustrations that Link Units we agreed at the beginning. This will give a sense of security that much better and do not affect each other on each plan.
- CLAIM health insurance is very high, so that the customer requires a commitment of more intensive assistance. If the service agencies and assistance or not the company's commitment in line with expectations at the beginning, then buy a separate policy will provide flexibility that is far better to conduct the evaluation.
Health Insurance Collection
- This product is very flexible Smarthealth (tailormade), because it could be adjustments to the various things to find the appropriate premium to the company's needs and budget.
- Exceptions Allianz Health Insurance Policy that is more simple and clear, where there are no exceptions to specific diseases or specific drug.
- Has Plan Inpatient, Outpatient, Maternity Care, Care of teeth, and glass eyes to the benefits 1,200,000 / day.
- The minimum membership is 10 participants (not employees).
- Facilities claim to use Allianz cashless card using the hospital network providers directly managed by Allianz (not by third parties), where the difference is paid by Allianz claims that later in the bill to the company.
- Also available Claim facility using cashless card ad-Medika, where the difference between claims paid directly by the participants.
- Available Limmit iner systems, limitiations Annual, and As Charge.
- Available product choices in rupiah and U.S. dollar.
- And there is a slot other facilities.
Sunday, August 30, 2009
Personal Insurance Consultant Bali
PIC Bali or extension of the Personal Insurance Consultant Bali, is the Mediator Insurance Services provider.
Between Various Other Insurance Products:
Health
Individual and Group Programs / Corporate with Insured Warranty is: Inpatient, Outpatient, Maternity, Dental, Glasses. This program is having an Individual & Group Insurance Program in Hospital Care with System 2 is:
- Cashless (Exit Without Money Again)
- Reimbursement (Pay Once, In Claim Later)
To Offer Contact:
PIC Bali - Personal Insurance Consultant Bali (Indonesia Serve Offer All *)
Jl. Tukad Balian, Renon, Denpasar - Bali
Tel. 0361-8622818 and Hp. 0818495779
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