Miscellaneous Insurance in Indonesia
Miscellaneous Insurance in Indonesia- Miscellaneous Insurance can be interpreted as an attempt by someone to minimize risk. In other words, all the things we do or anything that contains any risk can basically be insured. The following will be reviewed about the kinds of insurance that are often used.
Health Insurance
This insurance can be categorized as a type of insurance that is most convenient and commonly found in the community. Health insurance is usually provided by the company or institution where someone bekarja. Examples of health insurance is insurance which can be selected inpatient hospital with two kinds of protection that is protection with card system and the protection of the reimbursement system. The first type of protection in the sense that if the policyholder hospitalized, then the payment can be made only by showing the card provider. Furthermore, the insurance companies will pay the entire cost of the hospital, medicine, doctor visits, surgery and others. Protection with a reimbursement system requires the policyholder to pay in advance the entire cost of the hospital and then make a claim to the insurance company.
Life Insurance
Many people believe life insurance have the impression to prepare a death. On the other hand, many also believe that age in the hands of God and death is the prerogative belongs to God Almighty. Asusransi soul is not intended to circumvent death, but as a protector for the family that will be abandoned in the event of bad things that menimmpa policyholders.
There are two types of life insurance that is Term Life and Whole Life. Term Life Insurance will memberilan protection or protection for a certain period of time ranging from 1, 5 and 10 years. The premiums will be forfeited at the end of the period, but the value of mortgage insurance products will be much greater. Whole Life Insurance will provide lifelong protection system. This would result in the value of the premium to be more expensive than term life insurance. If the policyholder dies during the term of the contract is not insurance, it can be claimed with a smaller sum.
Insurance Education
This type of insurance will provide protection for children's education. Generally, this type of insurance combined with life insurance.
Insurance
This type of insurance is also known as Non-Life Insurance and is set in Law No.2 / 1992 to deal with the loss of an effort. This type of insurance include fire insurance which will provide protection against losses from fire in the home, office, hotel and so on. Other types of insurance is that the transportation insurance provides protection during the transport of goods by land, sea or air. Another type of insurance is often used by insurance vehicle / car and accident insurance.
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