Understanding of Heart Disease in Health

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The heart is the most important organ in the human body and has a size the size of calluses. The heart functions to pump and spread blood by carrying oxygen throughout the body.

An abnormality that occurs in the heart is called coronary heart disease. Coronary heart disease is known as ischemic heart disease and is one of the highest causes of death in Indonesia. The categories that enter coronary heart disease are angina (sitting wind) and heart attack.

 Symptoms of heart disease

Symptoms of heart disease in general include the following.

    ✓ Irregular heartbeat.
   ✓  Easily tired.
    ✓ Breath feels heavy.
    ✓ Hard to sleep.
    ✓ Pounding because of an uncertain thing.



Causes of Heart Disease

This coronary heart disease occurs when blood flow to the heart is blocked by the presence of fat. Fat accumulation in the heart arteries is known as atherosclerosis, which is the main cause of coronary heart disease. Atherosclerosis can reduce the blood supply to the heart and cause the formation of blood clots.

If this happens, the blood flow to the heart will be completely blocked and a heart attack can occur. The trigger factors include high cholesterol, smoking, diabetes, and high blood pressure.

There are several factors that cause heart disease, such as:
  ✓  Smoking habit.
   ✓ High cholesterol levels.
  ✓  The pattern of life is not maintained.
   ✓ Hypertension or high blood pressure increase.
   ✓ Overweight.
   ✓ Diabetes.
   ✓ Age and sex factors.

 Read Please Types of Insurance You Must Have to Lighten Life Expenses

Heart Disease Diagnosis

Heart disease that is not immediately treated will result in complications that can eliminate a person's life. When the heart does not receive enough blood supply to pump blood, the performance will decrease. This condition is known as heart failure and can occur suddenly or gradually.

Through the initial diagnosis stage, the doctor usually asks about symptoms, the details of family health, as well as the pattern of life carried out. If the doctor suspects you have heart disease, the doctor recommends that you undergo several tests, such as blood tests, electrocardiogram, coronary angiography, CT scan and MRI scan.

Prevention of heart disease

There are several ways to prevent heart disease that can be done, including:

   ✓ Applying a healthy lifestyle by reducing high cholesterol foods and exercising regularly.
   ✓ Quit smoking.
   ✓ Reducing consumption of liquor.

Especially for people with angina or angina sitting, prevention of heart disease needs to be done in order to avoid heart attacks and their complications. Therefore, people with angina are encouraged to take medicines given by the doctor and according to the dosage.


When to go to the doctor?

If you have done an examination and the results of a cardiovascular system health check are declared good, then a yearly examination can be done. But if the results of the examination show a certain abnormality, the next examination will be closer to the time. In addition, if the symptoms that have been felt and do not go away, then the best way is to immediately see a doctor. Proper handling can minimize the impact, so that treatment can be done more quickly. To do an examination, you can immediately make an appointment with a doctor at the hospital of your choice here.

4 Types of Life Insurance

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Life insurance is a guarantee that aims to take one's risk of unexpected financial losses. Life insurance often sounds scary, because the connection is always not far from death. Though besides that, actually life insurance is also beneficial for a family if the person who provides it is no longer able to work because of health problems or permanent disability.

As the head of the family, this risk should be the main consideration. Insurance is like an effort to "provide umbrellas before the rain", which does not yet feel the benefits, but in the future.

In life insurance, there are four product categories divided based on the needs of each prospective customer. Check out the more complete review below, which is reported from CekAja page:

1. Term Life Insurance

As the name implies, this type of life insurance provides protection to policyholders in a certain period of time. The coverage system used has a validity period. The length of time set here starts from 5 years, 10 years or 20 years, according to the offer given by the insurance company.

Because there is a contract period that is no longer valid after maturity, term life insurance is the most affordable. The premium cost is only 25 USD per month.

Even though it is cheap, the coverage that is obtained is not to be doubted, there is still a lot that can even reach billions of rupiah. The drawback, the premium that has been paid can be forfeited if there are no claims as long as the insurance policy is still valid.


2. Lifetime Life Insurance (Whole Life Insurance)
Unlike term life insurance that has a validity period, Whole Life Insurance provides protection to policyholders for life. The whole life in question is 99 years or 100 years.

Why is that number said for life? According to the Central Bureau of Statistics, the average life expectancy of the Indonesian population is 70 years. Lifetime Life Insurance will return the total premium that has been paid at interest of 4 percent per year.

When calculated, this amount is not much especially with the tax deduction. But the benefits, insurance premiums will not expire when there is no claim, so that it can be taken as a whole if the contract period ends. To get all these advantages, of course there is a price that must be paid more, namely a premium that is much higher than term life insurance.

3. Endowment Insurance

Furthermore, there is dual purpose life insurance. This life insurance offers 2 benefits. In other words, there are collaborative benefits between term insurance and savings for children's education and pension funds.

Not a few parents are interested in insurance to be able to prepare school fees for children or guarantee their survival even though you are retired later. Another thing that is profitable and different from term life insurance is the life benefits obtained by policyholders.

If you as an insured are still alive when the policy is due, the insurance will be provided by the insurance company. The validity period varies, ranging from 10 years to a certain age, for example 60 years.

4. Unit Linked Insurance

Finally, unit link life insurance which is arguably the belle of its own industry. Combining investment with life insurance and health insurance, this type of insurance is perfect for those of you who are interested in investing and want to keep getting life and health protection.

Investment in unit link insurance is driven by insurance companies so that policyholders only sit and get reports every month about the value of their investment. However, your investment profits or losses remain borne by you.

The portion of premium in general, 20 percent for investment and the remaining 80 percent is intended for guarantee of customer life insurance. Unfortunately, the results of new investments can be enjoyed in the fifth year because there is no premium to be paid again.

The level of awareness to own this product may still be low in Indonesia. In contrast to developed countries such as in Japan, where almost all of the population, especially those of productive age, already have a life insurance policy.

10 Reasons Why TLO Car Insurance is More Profitable for You

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Besides saving on premium costs TLO car insurance (Total Loss Only), also has many other benefits. What are the benefits? Let's look one by one.

Until now there are still many people in Indonesia who fail to understand the difference between All Risk car insurance and TLO (Total Loss Only). Most people still think that All Risk type car insurance tends to be far more profitable than TLO type car insurance. In fact, this assumption is not as long as it's true!

At a glance, All Risk type car insurance does look much more profitable. Why? Because this type of car insurance will bear all the risks experienced by the car, although only in the form of minor damage such as abrasions.

Unfortunately, the premiums that must be paid for All Risk car insurance also tend to be more expensive. Under certain conditions, if calculated - calculate the amount of the annual premium can sometimes be greater than the cost of repairs themselves.

If this is the case, it can be concluded that instead of providing benefits. All risk car insurance purchased instead tends to cause an excessive burden. This is inversely proportional to the type of TLO car insurance, its existence tends to be far more effective and effective.

In this case, you do not need to pay insurance premiums excessively. But don't worry, on the other side of your car you will still get risk protection. Well, for those of you who still think that All Risk car insurance tends to be far more profitable than TLO car insurance. The following are some of the reasons why TLO car insurance will be far more profitable for you:

Reasons why TLO Car Insurance is far more profitable for you
Not a luxury car

If your car is classified as an ordinary car, TLO car insurance will be far more profitable for you. Why? Because the maintenance costs that you have to bear are also relatively cheap.

In this case, you only bear the cost of repairs yourself. The possibility is not up to 3 percent of the value of your vehicle.

For example: if you have one Toyota Avanza with a selling value of around 200 million rupiah. The value of all risk insurance that you have to pay is around 6 million rupiah per year. If calculated, the cost of repairs for minor accidents such as berets and abrasions that occur within one year. Maybe not up to 6 million rupiah, so it would be far more profitable if you choose the type of TLO car insurance. With annual premiums it is much smaller than that number.

Rarely Used Cars

The more often the car is used, the greater the risk of the car having an accident. Conversely, the less frequently the car is used, the smaller the risk of the car to have an accident.

Well, if you use your car very rarely, then TLO car insurance will be far more profitable for you. The reason is, if your car is rarely used, the potential risk of a car experiencing a minor accident tends to be relatively very small.
Stay in a City with Untrained Traffic

The normal level of traffic will be inversely proportional to the potential for an accident. In this case the more regular traffic in an area, the lower the potential for accidents to occur in the area.

On the other hand, the level of traffic is normally proportional to the potential for an accident. The more traffic in an area, the greater the potential for traffic accidents in the area.

Well, if you live in an area with regular traffic conditions and not too crowded. Of course, it will be far more profitable if you prefer the type of TLO car insurance product. If, compared to the type of car insurance All Risk.

Why? Because the potential of your car to experience an accident tends to be relatively very small. That way, all risk car insurance that you buy will be less useful.

Limited Budget

It's no secret if the All Risk car insurance premium is far greater than the cost of the TLO car insurance premium. If calculated the difference in premium costs for all risk car insurance and TLO can reach 3 to 5 times. Although on the other hand, All Risk car insurance tends to offer far more complete protection. However, the costs of buying All Risk car insurance tend to be far more expensive.

For those of you who have limited budget capability, TLO type car insurance certainly tends to be more profitable for you. After all, when you use the car, you can be careful, right?
TLO Insurance Added With Additional Coverage Options (Coverage Expansion)

At present the company car insurance service provider has provided an option to expand coverage to insurance policy holders. With this coverage extension option, the insurance policy holder will later be able to get a much wider benefit. Such as the benefits of coverage for the risk of flooding, the benefits of coverage for the risk of riots. Then there are more benefits to third parties, and others

Well, with the benefits of the coverage. You will be able to more freely determine the extent of protection that your car insurance policy has. That way, you will get the car insurance that you need at a cheaper and pocket-friendly cost.
TLO Car Insurance Will Make More Careful in Driving

Unconsciousness of All Risk insurance will sometimes make us think too trivially. Normally because all risk costs will be covered by insurance, we will be more careless and less careful in driving. Usually in the mind usually like this: "You already use insurance All Risk, what are you afraid of, if anything happens, just claim".

Well, this mindset will accidentally arise in the head of the All Risk car insurance user.

This is different from when we use TLO car insurance. That our car's risk coverage is in our hands. Of course we will automatically tend to be more careful in using our vehicles.
TLO Car Insurance Has Cheaper Operating Costs

Unlike the All Risk car insurance that can be claimed many times every time you have an accident. TLO car insurance can only be claimed when the car is lost or damaged above 75%. That way, the operational costs that must be incurred by insurance companies for TLO cars tend to be much cheaper.

As information, in practice all the company's operational costs to handle claims. Will be charged to the customer (although not directly). That way, the less often customers make claims, the lower the operational costs that must be borne.
 Have Your Own Workshop

Especially for those of you who work as entrepreneurs in the automotive sector, especially car workshop owners. TLO car insurance will certainly be far more profitable for you. With the ability or workshop that you have. You can do the whole process of minor repair and maintenance of your car yourself. So there is no need to incur large costs. So, the premium you have to pay for car insurance can be cheaper and automatically can save even more.
The car is still new

The latest cars tend to have a much smaller risk of damage compared to older cars. On the other hand when using a new car, of course, you will tend to be more careful. As a result, the potential risks that we must bear when wearing the latest output cars will automatically be much lower.

Well, because the potential risks that we bear tend to be low. It would be far more profitable if we choose TLO car insurance products compared to all risk car insurance products. The reason is clear, with our TLO car insurance later it will be able to save even more in the post of insurance premium fees.
Your car is still in the guarantee of a shop / showroom

Certain workshops or showrooms sometimes provide guarantees of damage to their customers. In this case, every car that is repaired or is serviced in the workshop. Will be guaranteed which damage if the car is damaged. Then the repair costs will be borne by the workshop.

In conditions like this, of course you will be more profitable if you buy TLO car insurance products. After all, if your car is damaged, the damage costs will be borne by the workshop or showroom. If your car is lost or has severe damage, then the costs will be borne by the TLO car insurance that has been purchased.

These 5 Factors Determine Your Car Insurance Premium

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Basically, the fees that must be paid if you want to transfer the risk of loss to the insurance company are known as insurance premiums.

Premium is the amount of money that must be paid in each period (monthly or annual) as the obligation of the insured for his participation in insurance. All types of insurance require premium payments, including motor vehicle insurance (car or motorcycle).

The amount of premiums (also called premium rates) that must be paid is determined by the insurance company taking into account the conditions or conditions of the insured.
Determinants of Premium

Each insurance company has its own rules in determining the amount of premium even though the Financial Services Authority (OJK) has set a lower and upper limit of the percentage of the premium rate.

However, the insured also needs to know what factors are generally used as the basis for determining the amount of motor vehicle insurance premiums.

Here is an explanation of several factors that determine the amount of vehicle insurance premiums, especially car insurance.


    Type of Guarantee (All Risks or Total Loss Only / TLO)

The premium for all risks guarantees will be higher than the premium TLO. Moreover, if the guarantee of all risks is coupled with the expansion of other guarantees (comprehensive) that will increase the amount of premiums.

    Transportation type

Specifications, conditions, usage, up to the price of the vehicle on the market will be a consideration to determine the amount of car insurance premiums.

    Location

The insured's domicile will affect the amount of the premium. Insured who is domiciled in a disaster-prone area or criminality are certainly subject to a greater car insurance premium.

    Age

Insured in the age range under 30 (<30) years and above 60 (> 60) years is likely to be subject to high premiums because they are considered potentially more careless or inadvertent. Based on accident data statistics, the age group above has a greater risk of experiencing an accident.

    Other Determinants

Other determinants, such as the insured's driving track record, the addition of security systems, and so forth.

With an explanation of some of the factors determining the amount of cheap car insurance premiums above, we hope that you as an insured can understand how to determine premiums.

If lucky, you can receive cheaper insurance premiums for your vehicle.

Myths and Facts About car insurance

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Insure.com from the United States (US) has unique findings from survey results about myths and facts about car insurance.

The survey was conducted on 2,000 licensed drivers, each 50:50 men and women.

The first fact is that men are more easily persuaded to deal with car insurance. Thus the results of the Insure.com survey from the United States.

Car Insurance

Another finding, 29 percent of drivers in the US misjudged that thieves prefer new cars rather than older ones as the main target.

A total of 58 percent of male drivers believe in the myth, while women are only 42 percent.

Even though in fact, stealing old cars and selling in unraveled conditions is more profitable for criminals.

Perception

According to Insure.com, the wrong perception in choosing a motor vehicle insurance product is very common.

About 40 percent of respondents to this study also think that compact cars are cheaper insurance costs, than MPVs or SUVs.

In fact, compact cars don't always have cheaper insurance, because these vehicles are usually bought by young people, lacking experience, which often claims.

In addition, health costs related to injuries are also more expensive than compact cars, because the risk of protection is relatively minimal compared to large vehicles.

Color

The color of the car, a large percentage is seen from female drivers who believe that a red-colored car has more expensive costs when buying an insurance policy.

In this case, the myth is that red cars are more often ticketed because they are easier to watch on the road.

"I hope there is no single buyer (Mazda) Miata berkelir merah, because the car will be the main target of thieves and the insurance costs will be more expensive," Amy Danise, Editorial Director of Insure.com, told Bloomberg some time ago.

5 Reasons Vehicle Insurance Can Save You

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Reasons for Insuring a Vehicle - The assumption that insurance is a waste of money is still held by most Indonesians. The view of vehicle insurance is not much different. Motor vehicle insurance is considered to be additional expenditure which increasingly imposes outside car maintenance costs and annual taxes.

Insurance costs are relatively expensive. However, when viewed from the side of the benefits, the costs incurred will save you when there is a risk of an accident. Just imagine, you have bought a car for hundreds of millions of Rupiah and want to get the best. Of course you need class protection as well for this one asset.

In order not to get carried away with the wrong view, consider a number of reasons you should insure your vehicle right now!

    Your Asset Rescuer
Not only must it be used properly, you must take good care of it. Taking it regularly to the workshop and replacing damaged parts has become one way to keep your car in top condition. However, who knows when the risk of an accident happens?

This is where vehicle insurance plays a big role in maintaining your big assets. Your car will be maintained with vehicle insurance. With vehicle insurance, you can also feel calm in carrying out driving activities so you don't have to worry about the risks that can hit your vehicle on the road.

    Guarantee you when there is a risk

Not that the damage is your fault. As good as you drive, the risk of an accident can still occur due to carelessness from other drivers. It could also be riots and natural disasters that are completely unmanageable, causing car damage. If this is the case, the only place to complain is insurance.

Basic insurance products usually guarantee damage caused by accidents. By adding expanded coverage, you can also get protection from damage caused by natural disasters and riots.

    Financial Saviors when needed

If you don't have a vehicle insurance policy, car maintenance can take millions of dollars from your pocket. In fact, sometimes you can take an emergency fund that you have prepared for sudden needs to overcome the problem.

However, by having a vehicle insurance policy, your finances will be saved. At least, you no longer need to pay money to pay for repairs. You really have to make funding to pay for insurance policies every month or year. However, the return you will get will be greater when there is a risk of an accident.

    Vehicle Insurance Protects You Also

Why is the car healthy if you don't? Therefore, insurance will protect the rider when there is an accident risk with the expansion of Personal Accident guarantees. With the expansion of the guarantee, if you have an accident, treatment or treatment will be guaranteed by the insurance.

    Make you comfortable driving

By making an agreement and paying for an insurance policy, what else should you worry about? When the risk of an accident occurs, the insurance will take care of it. When natural disasters make your car damaged, insurance will help you fix it again. When you deal with third party vehicles, insurance will be ready to help you.

At least, one problem in your life is lighter in the presence of vehicle insurance. Driving with a favorite car will also be more comfortable. You can get various of these facilities if you use an extended guarantee.

Even in this digital age, you will be increasingly facilitated to use insurance services. You can buy insurance products on the website, while the claim process can be done easily through the application on the smartphone. So what are you waiting for? Insure your motor vehicle immediately!

How to determine car insurance

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Don't let confusion hang in your mind when you want to determine which car insurance is right. Well, for that I will provide several ways that you can use namely:

Determine the type of protection that is suitable for your car

To get the right car insurance, of course you must first determine the right type of protection for your car. Is Comprehensive (All Risk) or Total Lost Only (TLO)? Where Comprehensive (All Risk) will guarantee the cost of partial or total damage that occurs in your car and Total Lost Only (TLO) replaces damage above 75% of the sum insured (this is suitable for older vehicles).

Car Insurance

Make sure not to be tempted by cheap premiums

One thing you need to remember, never be tempted by cheap (below average) premiums offered by insurance companies. It could be that the company is in the wrong, only looking for profit. It is better to assume cheap premiums as premiums that are in accordance with your budget.

Be sure to know about the workshops of insurance company partners

You also need to know about company partner bengels such as workshop locations. That way you will easily contact and head to the workshop if your car is damaged.

Pay attention to the insurance packages offered
Look carefully at the insurance package offered by the insurance company. Each package certainly has a difference, for example regarding the type of protection, expansion of guarantees and premiums. The more protection offered the greater the premium you will pay. So, the choice falls in your hands.

Make sure you know your rights and obligations as policy holders

Your rights in car insurance mean protection (compensation) provided by an insurance company or any additional services that you will get. Whereas the obligation is to pay premiums every year and you are also obliged to comply with the rules set by the company (rules for premium payments or time periods for claims).

Types of Insurance You Must Have to Lighten Life Expenses

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Insurance that must be owned - Insurance is an investment that needs to be owned by everyone. Because, insurance has a very important function and can minimize bad risks that can occur at any time. By registering for insurance, you can further minimize your expenses and ease the burden of life. But, you must know that choosing insurance should not be originated. You must know the type of insurance that suits your needs.

Car Insurance

Types of Insurance You Must Have
1. Health insurance
the type of insurance that must be owned

Health insurance is the most widely used insurance for the people of Indonesia. With health insurance, the insured will get health insurance if they experience such an event as an injury, illness, disability, even death from an accident. Even though none of us wants to experience it, of course we also know the impact that must be borne for the incident.

So, the choice to use health insurance is a special concern for the community to be able to anticipate the adverse things that cannot be predicted. Insurance service providers will finance the health needs of each policy holder such as inpatient costs and operating costs. This type of health insurance can also be purchased by a third person.
2. Life Insurance

Life insurance aims to provide financial protection if the insured person dies. However, there are several insurance service providers who return the insured's funds before their death, and most others provide funds after the insured dies.

Life insurance can also be registered for a third person, and life insurance is one of the most important types of insurance because it will guarantee the life of the insured family after the insured person dies.
3. Residential Insurance

Home insurance aims to provide protection to homeowners for all losses related to their residence. Losses can include disasters such as fire, damage, floods, or other natural disasters that afflict the property of the insured. The insurance company will compensate for the money that can be used to rebuild the house.

4. Vehicle insurance
the type of insurance that must be owned

Vehicle insurance provides protection for injuries or damage to other people's vehicles which is caused by the vehicle of the insured. Vehicle insurance will also cover losses due to damage or loss of the insured's vehicle.

Type of vehicle insurance is divided into two, namely protection for loss only (total loss) or for all risks (all-risk). Usually, motor vehicle insurance can only be for loss (total loss), and all-risk protection applies only to cars.
5. Travel Insurance

Travel insurance is arguably a short-term insurance that applies only when the insured travels. The insured will get protection from travel insurance if an accident occurs while the trip is underway, and this type of insurance will cover the cost of the emergency treatment.

Not only applies to accidents, the risk of damaged or lost goods belonging to the insured will also get loss protection from the insurance service provider.
6. Total Permanent Disability Insurance

Total permanent disability insurance provides coverage to the insured party if they experience loss of limb function so they cannot continue work as usual. Provisions for total permanent disability insurance apply if the insured loses limb function caused by an accident or illness and has lasted for 6 months from the time the accident occurred.
7. Pregnancy and Childbirth Insurance
Pregnancy and childbirth insurance is an important type of insurance considering this moment will risk the life of the mother and child. Pregnancy and childbirth insurance will provide protection if the mother has to be hospitalized because of certain conditions.

Pregnancy and childbirth insurance includes pre and postpartum coverage, the cost of a normal or caesarean delivery, to complications of pregnancy (if you have a miscarriage or are required to be hospitalized due to these complications).

Why is Car Insurance Important

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One important thing that should not be forgotten when owning a car is car insurance. The essence of insurance is protection or protection of cars if things go out of control. However, actually why is this car insurance important?

First, car insurance keeps us from unexpectedly large amounts of expenses. Imagine if the car was stolen, meaning we would lose a number of prices for the car. There is no guarantee that the car will be recovered.

Car Insurance

Another scenario is that our cars are totally damaged due to natural disasters such as the earthquake that just hit Lombok, or floods with high intensity ahead of the rainy season. Of course we need high costs to return the car to its original condition.

With insurance, we can avoid impromptu expenses like that. We can also determine insurance coverage and expansion, according to our needs.

Second, time efficiency. The insurance will assist the process after the accident. This will save time, because we do not need to take care of all things related to accidents. Some types of insurance even provide replacement cars.

Third, reduce the burden of the mind. Various events can occur on the road. We often cannot predict the possibility of danger. With insurance, we are free from worry. When you have to leave your car unattended, for example, we stay calm because there is car insurance.

Fourth, we do not need to think about liability for compensation that might befall third parties. The thing is, accidents can involve other people, such as other drivers or pedestrians.

Well, with these various benefits, of course we as car owners will benefit more from the existence of car insurance. This insurance aspect is also an important consideration when buying a used car.

Another case if buying a used car in a showroom that already offers with car insurance services, buyers do not need to think about insurance. Buyers will get after-sales service in the form of free risk all risk for 3 months, specifically for cash purchases.

In fact, when you want to extend the duration of insurance to one year, consumers only need to pay for 9 months. So, the car remains protected from the risks that might occur.

9 Causes of Submitting Your Car Insurance Claim Denied

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Indeed, vehicle insurance can be an option. The connection in helping to ease the burden during an accident. When you have it, understanding the insurance claim clause is mandatory. There are several causes that cancel the insurance function, as vehicle protection. Unfortunately, right, if you neglect and can harm yourself.

Cars Affected by Earthquakes and Tsunamis Can Be Insurance Claims, These Terms!

Each policyholder must pay close attention to the conditions that make his claim approved or not. Each definition and explanation in the clause must be correctly understood. It takes time indeed to understand it. No doubt, the term used is legal language. Sometimes it is difficult for most people to understand. But studying this is very meaningful, when you need to make a claim.

"In general, insurance owners do not want to read, when given a clause at the first time the agreement. This causes when making a claim, it can be rejected by the insurance company, "said Laurentius Iwan Pranoto, Communication and Event Manager of Astra Insurance. Some claims are rejected by insurance for many reasons. To be sure, it does not comply with some agreements at the first time. Therefore, you need to understand some of the reasons for claims being rejected and why.
1. Deadline
Insurance claims can be delayed or even rejected. Occurs when the management of claims exceeds the time specified in the policy. Insurance always provides a certain time limit for handling claims. Passing from that, the claim can be rejected. Car insurance claims must be taken care of immediately because the deadline is short, only 3 x 24 hours.
2. Incomplete Driver Documents

Documents must be complete. Starting from photocopies of insurance policies, photocopies of SIM and STNK and of course the claim submission form. A certificate from the police is also needed if serious damage occurs. In addition, photos also become one of the proofs when you want to submit an insurance claim.
3. Drivers Do Violations of Law

Another reason that makes insurance claims rejected, if the policy holder violates the law. For example, if he has comprehensive type of insurance, then his car crashes because of reckless driving or breaking traffic. Then certainly cannot claim. The same is true. If the policy holder does not have a SIM when driving, park in any place and get drunk.
4. Event Areas Not Included in the Contract
The insurance policy might include a clause regarding the area in the agreement. Claims are only served if an event occurs in a certain area. If someone insures his vehicle in Indonesia, for example. Then the policy officer claims that it can only be submitted if he has an accident in Indonesia. This means that the claim is rejected if he has an accident abroad.
5. Not Reporting Additional Accessories

If there are additional car accessories, it must be reported to the insurance company. You are also required to attach the insurance coverage. The goal is that if a claim occurs, the accessory can be protected by an insurance company. For additional NSA (Non Standard Accessories) will be subject to the same rate. Can be applied to vehicles and multiplied by the NSA value, to get the premium value that needs to be added. Premium additions are limited to the rest of the period that has not been undertaken.
6. Damage Occurs Before the Car Is Insured
In general damage, insurance companies will indeed return the vehicle as before. Therefore it is necessary to do a survey and photos as proof. Here explains, if the car has been damaged before being insured, then certainly cannot be claimed.
7. Policy Not in Waiting Period

The waiting period in insurance is a certain period after the policy is issued. The cost of the insured vehicle claim is not guaranteed by the policy. This waiting period is one month after signing the clause.
8. Intentional Damage
Must be understood, if the damage to a car that occurs accidentally by the insured. Suppose the insured accidentally crashes his car into another car. Or he hits the vehicle so it is dented, this cannot be claimed. Or you accidentally hit a flood that could make the car strike. As a result, the water hammer machine. This also does not get a guarantee.
9. Policy is inactive (Lapse)
If the insurance policy is not active, you cannot submit a claim due to several conditions. This inactive condition is also called lapse. The insurance company is not willing to pay insurance claims if the policy is lapse.

7 Of The Best Luxury Car in The World

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The car is a private vehicle that is dreamed of possessed by all the people in this world. How not to use the driver's car and passengers can be comfortable without having to fear rain or heat. Regardless of the price, there are still many people who are eyeing to buy a car.

What's more, the existence of a car is not only considered as a means of transportation, but is also considered a means of measuring one's welfare. The car manufacturers are increasingly vying to make or produce a car that does have high facilities which of course is also priced at a price that is not small.

There are a lot of luxury car manufacturers that produce an expensive and luxury car to meet the needs of the alias of the wishes of collectors of luxury cars that are spread throughout the world. Here are seven of the most expensive and luxurious cars in the world:

    Aston Martin Vulcan

This Aston Martin Vulcan car is priced at Rp. 30.2 billion and only produced as many as 24 units. The car has a V12 engine and power with 800 horses (tk). The design of this car is inspired by the Race Car GT3. The interior in this car is very cool and diverse, which of course still prioritizes the safety of the passengers and drivers.

    Ferrari F60
The release of the Ferrari F60 car is to commemorate the Ferrari car manufacturer that has been running for the 60th year. More specifically, this special car has only produced 10 units and has been sold out before Ferrari officially announced the creation of this expensive luxury car. This car is equipped with 730 horsepower (tk) and priced at Rp. 32.8 billion.

    Pagani Huayra BC
You can get this Pagani Huayra BC car by spending IDR 34.2 billion. In this car there is an aero carbon fiber system that is indeed very superior, equipped with speed power that will amaze and make you run fast later on the road.

    Ferrari FXX K


This Ferrari FXX K is included in the category of racing cars which of course the speed you shouldn't doubt. The price that is priced for you to get this car is Rp. 39.4 billion. This car combines electric power and also abensile and can produce as much as 1036 horsepower (tk). This car is also equipped with an Aerodynamic system in all cars. There are only 40 units of this car, everything is up.

    McLaren P1 GTR


The McLaren P1 Gtr car output from the UK has a price of Rp. 40.7 billion. This car is a dream car that produces a power of 986 horsepower (tk).

    Lamborghini Veneno Roadster


This Lamborghini Veneno Readster is capable of producing 740 horsepower (tk) at a price of Rp. 59.2 Billion. It is certain that you will be amazed by the interior and facilities in this car.

    Koenigsegg CCXR Trevita


The Koenigsegg CCXR Trevita is a car that has only two parts in the whole world. One of them is owned by Floyd Mayweather JR which is a guide to the world family. This car costs Rp. 68.8 billion.

That's the seven most luxurious and expensive cars in the world that you should know about. Of course it could be that the cars can be an inspiration if you want to buy a luxury and expensive car in the world. If you have a luxury car, make sure you also buy car insurance for your favorite car.

Benefits of Buying Car Insurance

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Why do many people buy car insurance? The reason is because the person is aware of the benefits of buying car insurance. What are the benefits of car insurance?

Can do financial plans appropriately

Buying car insurance means that you have made a financial plan correctly. This means that the funds you spend each year can be useful for the future. In other words, it can provide protection if one day has an accident or loss of a car.

Costs of car damage due to riots, sabotage and natural disasters will be replaced
The insurance company will also reimburse the cost of car damage due to riots, sabotage, and natural disasters (floods, earthquakes, tsunamis, or landslides). However, for damage caused by natural disasters not all insurance companies cover only a few.

The cost of losing the car is also replaced
There are also insurance companies that reimburse the cost of losing a policyholder's car or some replace it with a new car. With a note, the car was lost not because of hypnosis, not because it was rented out with someone else (for insurance companies that only insure private cars), or not because of fraud or fraud.

Driver and passenger medical expenses covered
In addition, insurance companies will usually provide maintenance and treatment fees to drivers and passenger cars in the event of an accident.

Get to know insurance for new cars

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The higher level of living of the Indonesian people, it is not surprising that the demand for car purchases is also increasing. Moreover, a car is a dream vehicle for many people. This makes the car a very valuable vehicle and must be maintained properly. The price is quite expensive, certainly makes everyone not want bad things to happen to the cars we have. Therefore, it is very important to have vehicle insurance on new cars.

Car Insurance

Unfortunately, not many people know the benefits of new car insurance. This is due to the lack of information about insurance benefits on the new cars we have. Sometimes insurance that is obtained when owning a new car, is insurance offered by an insurance company that has worked with the car company. So that car owners do not really understand the advantages and benefits of insurance they have. Not a few who let car companies or car leases to choose which insurance company will be in charge of their car. In fact, it is very important to understand carefully the insurance for new cars that will be used.

There are two types of insurance that can be chosen by new car owners; All risk or comprehensive insurance and TLO. For all risk or comprehensive insurance, the company will pay claims for all types of damage, ranging from minor damage, severe damage to loss. Sample case; the car was hit by public transportation, the damage was minor which made the car less comfortable to look at. In this case, claims can be made if the insurance owned is comprehensive insurance.

While for Total Lost Only (TLO) insurance, it only guarantees the risk due to theft and damage if the repair cost is estimated to equal to or exceed 75 percent of the vehicle price just before the loss. Total Lost Only (TLO) insurance is chosen because the premium price is relatively cheaper than all risk insurance. With a low premium fee, you can divert funds available for other needs such as vehicle maintenance costs

Basically, insurance frees you from the extra costs that must be incurred when there is damage to the car. Imagine if you don't have insurance, when the car is damaged, you have to spend personal funds to replace the parts. Car insurance is not only useful for insurance owners and car drivers only. There is also a choice of coverage that can cover the damage to another driver's car due to your negligence, so you don't need to panic and dizzy because the damage will be compensated by the insurance.

Now, you don't have to think long enough to have insurance on a new car. In addition to keeping your assets high in value, you don't think too much about additional costs when your car has damage when things go wrong. So what are you waiting for? have insurance on your new car.

Benefit Life Insurance

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Many people think buying life insurance is a waste because the benefits cannot be enjoyed now, but later when someone is dead. Who enjoys the benefits of life insurance is not the owner of the policy, but the family left behind.

In fact, besides providing death benefits or death benefits, life insurance also provides benefits for life or living benefits. Living benefits are life benefits that customers can enjoy when they are still alive.

 Tatadana Consulting said, life insurance that provides living benefits deserves consideration because this product also provides an opportunity for customers to "save". "Actually, customers can save themselves. However, it is risky that customers can take it themselves. While if you save with insurance, customers can be disciplined not to take it and get life insurance benefits, "said Tejasari to our insurance company team. Read More Tips for Choosing Safe Health Insurance
In addition, the living benefit option should also be taken into account for those who have the principle of "ori" or unwilling to lose, not wanting to buy products that can only be "enjoyed" when they are dead. So that the money spent can be felt when the customer lives, then life insurance with an insurance company may be the right choice.

What are the living benefits that can be enjoyed by customers when they are still alive? See the following review.
1. Unit link life insurance

Life insurance that is connected with investment or also called unit link provides benefits when the customer lives. This is because unit link insurance usually also offers additional insurance such as health insurance and critical illness insurance.

So, when customers are hospitalized, this product will provide reimbursement of the cost of care while in the hospital.

These forms of payment of health benefits vary, there are cashless or just swipe cards, reimbursement ie the customer bears the hospital bill first and then the insurance company replaces it after the customer submits a claim, as well as a cash plan or daily cash compensation in lieu of income lost due sick customers.

Astra Life itself offers my Healthy Ready package, namely ASLI Pelita Proteksi Prima products, in which there are cash plan health insurance products. Given that the FSA has banned double claims in the insurance world, then this product is suitable to complement the BPJS that is owned by customers.

Unit link insurance has a higher premium than life insurance purely because it offers cash value, namely the development of a portion of premium funds placed in the capital market. Customers generally can take cash value after seven years of having an insurance product.

2. Pure life insurance with a cash plan

In addition to health insurance, life insurance actually provides a cash plan option. The cash plan contained in this product offers cash to customers if he is disabled or suffers from a disease that makes him unable to make a living as usual.

3. Pure whole life insurance

Pure whole life insurance generally offers a refund of a sum of cash after the customer reaches the age of 99 years. However, the benefits of disbursing this fund for so long, it is rare for customers who choose pure whole life life insurance and switch to unit links that offer protection for a long time, but allow customers to withdraw cash value faster than whole life pure life insurance.
4. Pure endowment life insurance
Pure endowment life insurance or also known as dual-purpose insurance offers two functions at once, namely life and savings insurance. Customers can use this deposit for any needs, from children's education funds, holidays, pension funds, or investing.

According to Tejasari, this product is also in demand because it offers customers life protection while protecting children's education costs if something happens to customers. However, the development of funds in endowment life insurance is still smaller than investing directly in the capital market. "By participating in endowment, it's the same as customers depositing their money in insurance," said Tejasari.

Seeing the importance of insurance for customers, most insurance companies also offer life insurance that can provide benefits when customers live. An example is, life insurance with cash benefits in the form of 100 percent Sum Insured at the end of the contract period if the policy holder is still long-lived and cash bonuses every 3 years. You can use periodic liquid cash to pay school fees, traveling costs, or even reinvest it into other instruments. For example, precious metals, mutual funds, or even stocks.

Tips for Choosing Safe Health Insurance

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Everyone really needs to have awareness to take part in insurance. This is because the protection provided by insurance companies to each customer is currently quite diverse. However, if you want to take part in a health insurance program, you should consider a number of things, such as the following.

Tips Insurance

Location of insurance agents

The first thing you need to think about is the location of agents and insurance companies. It would be better if you choose an insurance company that has an official representative office in the city where you live. That way, you will not find it difficult when you want to make a claim or ask about the variety of insurance products you have.



Insurance credibility

the second thing that can be investigated first is the credibility of insurance institutions. For this problem, you can assess from various aspects, such as the company's headquarters, the variety of types of insurance owned, the number of agents owned, the number of customers already owned, and the requirements needed for claims. The better the work procedures that an insurance institution has, generally the services provided are also getting better.

Read More Reasons for the Importance of Having Car Insurance

Type of insurance
When you want to register as a participant in one of the insurance products from the best insurance institution in your country, make sure the type of insurance you want to get. For this problem, generally you can see the information available on the official website of insurance institutions and office brochures. In addition to adjusting the type of insurance to your needs, you also need to compare the following types before deciding which insurance product to take.

Facilities to be obtained from health insurance and the presence or absence of additional facilities Big premiums that can be obtained in each health care and what happens to insurance funds from the institution concerned when you are also registered with other insurance institutions. What should be taken care of by the family when you are the party gets premium dies or is in critical condition.



Premium amount

Before deciding to buy an insurance product, you must calculate the amount of premium that must be paid each month. In this way, you can make accumulated expenditure data deducted from monthly income. Regarding the premium amount, you can pay attention to several things, such as:

The tenor period is applied to personal choice insurance products and the waiting period of insurance, before insurance can be used. For example, when there is insurance that has a pay period of 5-10 years for health protection until age. The amount of income compared to the amount of expenditure each month. In this case, it would be better if you make a list of the usual monthly expenses before paying insurance premiums, so that later the insurance premium charged to you can be paid on time. Complete facilities in insurance products must also be considered, because in general the more complete the product owned will also increase the premium to be paid.

Read More Get to know car insurance

How to claim insurance

When you get an easy insurance claim for a particular insurance product, don't be tempted by the promos available before you confirm the way the claim is. In general, there are two ways that claims apply to health-specific insurance products, namely:

Cashless

For this one system, both the insurance policy holder and the family simply show a health insurance card that will be swiped on a certain machine belonging to the hospital.

Reimburse

For this one system, the insurance policy holder is obliged to pay for the treatment costs incurred during the illness and then, the insurance company will replace it with a nominal value equal to the value of the insurance contract. The requirements that need to be attached are generally in the form of maintenance receipts and policy cards.



RS collaboration

Insurance that is applied in the world of health will be slightly different from the service with motor insurance products, especially related to those who cooperate. That is why, before deciding to take insurance products in the health sector, make sure the list of cooperation hospitals that are able to serve your needs in the city of residence You also need to make sure what kind of sick condition can be claimed with a personal insurance product. That way, whatever nominal you pay can bring benefits to your health.

Reasons for the Importance of Having Car Insurance

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Human negligence is a major factor in the occurrence of accidents. Understandably, this factor does not only come from us but also other people.

‌Insurance policy

On the streets, neglect of others can have a bad impact on us. Even if someone has driven in an orderly manner, he could be a victim because of reckless drivers.

Car Insurance

The risk of injury and death can be reduced by increasing safety, but the risk of damaged vehicles is often unavoidable, both mild and severe damage. This is what makes our vehicle, in this case a car, need to be insured. What's more, it costs a lot even if the damage is only in the form of abrasions in the car. Read Please Get To Know Car Insurance
Accidents are not the only reason. Banning and theft of vehicles are increasingly increasing everywhere. Not only in big cities, even small and quiet places are often the target of crime. The risk of losing a vehicle continues to increase. Therefore, it is very logical if someone decides to insure the car.

Here are the benefits of having insurance:

‌    You pay cheaper with greater profits

Insurance frees you from extra fees in the event of a natural disaster or other incident. We know that natural disasters are unpredictable or predictable. If there are landslides, floods, earthquakes, or other things - that cause damage to your car - insurance will be ready to protect you. This includes if you experience vandalism or car theft. Now you can imagine if the world without car insurance. Every time a car damage occurs you have to replace each of your car spare parts with a personal pocket, risking your bank account and some or all of your assets. Accidents are more than an inconvenience, they are more about material loss and immateriality. A car insurance policy protects your finances from unexpected costs.

‌    Save time and minimize inconvenience when accidents occur

Your super busy activities are also the reason for having car insurance. If you have car insurance, your insurance company will help you through unpleasant accidents, such as working with another driver's insurance company, helping you with the claim process, helping to find a large workshop, and helping you to process claims quickly and fair. The post-accident process is quite difficult if you have to do it yourself.

‌    Tranquility in Driving

Drivers will never know the traffic scenario that will occur every day. If you are one of the drivers who obey traffic, but that does not mean other drivers obey traffic like you. Accidents can occur at any time and are very difficult to predict. Insurance is there to protect you from that scenario and is useful to calm you from the burden of accidents that are so large you can be free from the burden of thoughts and constant fear. Haunted by worry is not pleasant, right? Not only will this make your life uneasy, you can get sick because of the stress that is whacking. With insurance, at least you can feel calm in carrying out daily life; not constantly feeling worried or even becoming paranoid. When you leave home, there is no fear of being involved in an accident so that your work productivity and driving comfort will not be affected at all.

‌    Endure Other Driver Damage You Are Harmed

Reasons for the Importance of Having Car Insurance are also useful for people other than you. Car insurance now has a choice of dependents besides you as a driver. Car insurance can also incur losses due to damage to another driver's vehicle that you are losing (hit). You as a driver now do not have to mess with compensation money or inconvenience from third parties, because everything will be assisted by the company where you insure your car. , having insurance frees you from the responsibility of a third party. A driving accident can occur due to a single cause or involve another party. If you are involved in a single accident, you do not need to worry about having to bear the burden of other parties. So you only think of yourself. Another case if there are other parties involved. With insurance, not only will you be free of costs for yourself, you don't need to finance the third parties involved in the accident; let the insurance take care of it. Whether it's the cost of medical repairs and maintenance, everything can be covered by insurance



If you are thinking of saving while protecting your assets, insurance can be a very appropriate choice. Wouldn't it be nice to have a facility that can cover several goals at once.

Get to know car insurance

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The higher level of living of the World people, it is not surprising that the demand for car purchases is also increasing. Moreover, a car is a dream vehicle for many people. This makes the car a very valuable vehicle and must be maintained properly. The price is quite expensive, certainly makes everyone not want bad things to happen to the cars we have. Therefore, it is very important to have vehicle insurance on new cars.

Car Insurance

Unfortunately, not many people know the benefits of new car insurance. This is due to the lack of information about insurance benefits on the new cars that we have. Sometimes insurance that is obtained when owning a new car, is insurance offered by an insurance company that has worked with the car company. So that car owners do not really understand the advantages and benefits of insurance they have. Not a few who let car companies or car leases to choose which insurance company will be in charge of their car. In fact, it is very important to understand carefully the insurance for new cars that will be used.

There are two types of insurance that can be chosen by new car owners; All risk or comprehensive insurance and TLO. For all risk or comprehensive insurance, the company will pay claims for all types of damage, ranging from minor damage, severe damage to loss. Sample case; the car was hit by public transportation, the damage was minor which made the car less comfortable to look at. In this case, claims can be made if the insurance owned is comprehensive insurance.

Whereas for Total Lost Only (TLO) insurance, it only guarantees risks due to theft and damage if the repair cost is estimated to equal to or exceed 75 percent of the vehicle price just before the loss. Total Lost Only (TLO) insurance is chosen because the premium price is relatively cheaper than all risk insurance. With a low premium fee, you can divert funds available for other needs such as vehicle maintenance costs

Basically, insurance frees you from the extra costs that must be incurred when there is damage to the car. Imagine if you don't have insurance, when the car is damaged, you have to spend personal funds to replace the parts. Car insurance is not only useful for insurance owners and car drivers only. There is also a choice of coverage that can cover the damage to another driver's car due to your negligence, so you do not need to panic and dizzy because the damage will be compensated by the insurance.

Now, you don't have to think long enough to have insurance on a new car. In addition to keeping your assets high in value, you also don't think too much about additional costs when your car has damage when things go wrong. So what are you waiting for? have insurance on your new car.