HEALTH INSURANCE

Health insurance is a type of insurance products that specifically guarantee the cost of health care or the members of insurance if they fall ill or have an accident. In general there are two types of care offered by insurance companies, namely Inpatient (in-patient treatment) and outpatient (out-patient treatment).

Health insurance products held by both the social insurance companies, life insurance companies, insurance companies and the public.

In Indonesia, PT Askes Indonesia is one of the insurance companies that hold the social health insurance to its members who are the main civil servants both civil and non-civilians. Their children are also guaranteed up to the age of 21 years. The retirees and their wife or husband is also guaranteed for life.

Some insurance companies and insurance losses were also the program's health-insurance program with a variety of different variants. In general, insurance companies that hold health insurance program in cooperation with the hospital provider either directly or through intermediary institutions as assistant hospital management network.

Sources from: http://id.wikipedia.org/wiki/Asuransi_kesehatan

Insurance Education

Insurance education is an investment that are prepared to make special education costs later. To be on time for your children go to school or university, you need not be a headache, dizziness longer sufficient to think of the cost of education.

Insurance education is the insurance plus investment for education, which is essentially insurance products insurance, life insurance more precisely, the insurance education is actually not much different with other life insurance products. That is a program that will give your family benefits if there is a risk of death. Benefits that are usually received santunan and investment results for the cost of education. However, if the risk of death does not occur, then the insurance will provide a number of educational scholarships that are not berasar other form of investment that has paid a premium.

As an insurance product, then of course this investment can not be disbursed at any time. This new investment can be diluted with two conditions. First, that is when it is mature, and the second is if there is a risk of death. Fall temponya itself can be arranged and adjusted to schedule children's education, to fit children to school, pas liquid money.

There are Two Types of Health Insurance

There are two types of Health Insurance:

1. Hospital Cash Plan

2. Hospital Benefit

Apart from the use of words but more important meaning, for the first:

* Does not require the original receipt, can be a photocopy of the hospital dilegalisir
* Usually replaced only the cost of a room per day, good for a room or ICU (Intensive Care Unit). There is also a replacement for the operation which is already determined.
* Replacement cost does not depend on the receipt but it's Inpatient per day or per-incident operating taken appropriate policy
* Reimburse a replacement system, so new customers pay first and then claim to insurance companies
* Premium is relatively cheaper due to the replacement value of the small

Both are:

* Required original receipt. 2 If you have health insurance who need the original receipt, procedures are used to specify the first time you claim to be an insurance company which, if not then claim the value sufficient to pay the hospital then you can ask the rest of the original receipt for the payment to the insurance company claimed the second. Likewise if you have 3 or more health insurance
* Includes the cost of the change rooms, a general physician, specialist doctors, medicines, operating costs (if any), all are paid according to a receipt in accordance with a maximum ceiling that we take in the policy
* Claims the system is usually directly in the hospital, does not need to reimburse. For example, hospital charges Rp 10jt you from the ceiling while the insurance total only Rp 8jt, then you immediately pay the remaining Rp 2jt is in the hospital. This can happen only in the hospital's insurance company partners that you take.
* Premium higher

Beyond that there is also, insurance premiums that we give money back 100% if no claim is sick, it can be categorized hospital cash plan.

Articles in the capture of: http://asuransiku.wordpress.com/2008/06/02/2-macam-asuransi-kesehatan/

There are Many Definitions of Insurance

There are many definitions of insurance, which on the face of no similarity between the definition of one with the other. They define in compliance with the point of view of their use in respect of insurance, which in accordance with the above description that insurance can be seen from several angles.


Prof. Mark R. Green:
"Insurance is an economic organization which aims to reduce the risk in a way to combine the management of a number of objects large enough amount, so that the overall loss can be predicted in certain limits."


Prof. Mehr and Cammack:
"Insurance is a tool to reduce the financial risk, with how these units Exposure in the amount sufficient, in order to make the individual losses can be estimated. Then the loss can be predicted that dipikul evenly by those who joined".


William C. Arthur Jr. and Richard M. Heins,
which defines the insurance based on two perspectives, namely:

a. "Insurance is a security against the financial loss by an insurer."

b. "Insurance is an agreement by which two or more persons or entities to gather funds to cope with financial losses."

INSURANCE

Insurance is a system for lowering the financial loss to the risk of distributing the loss of someone or to other agencies ..
Insurance is an agreement between two or more parties, with which the insurer tie themselves to the Insured, with insurance premiums, to provide reimbursement to the Insured for loss, damage or loss of profits that are expected or legal responsibility to third parties that may be suffered Insured, arising from an incident that is not certain, or provide a payment that is based on dead or someone who lives be.