How to get best health insurance

How to get best health insurance

    Choose the insurance products that suit their needs, not because they are attracted to the promos and prizes are offered or by necessity. If necessary, consult with the parties who think you understand this.
    Make sure the insurance agents who help take care of the purchase of insurance products is an profesional agent, which has a certification agency, and able to help and explain in detail and take care of our insurance needs into the future.
    Learn more about the capacity of insurance companies which would you choose, especially as related to claims service (can be done via the Internet or from information studies relatives and friends).
    When it chose a product and company, make sure to fill the data in SPPA (Letter of Request / Application of Insurance Coverage) or SPAJ (Letter of Request for Insurance) with a full, fair, clear, and did not sign it in an empty condition (incomplete).
    Ask for details about the benefits provided, the conditions required, and the exceptions guarantee (where it is often the reason for rejection of the claim by the insurance company).
    Be sure to know the period allowed in the payment of the premium, not to be a delay (outstanding) at the time of the loss that could result in claims not being paid. Normally allowed 14 days after the date listed in the policy guarantees.
    If the policyholder has been received, read carefully policy and all attachments have been received. If it does not fit with that submitted by the agent, then the policy can be canceled or be changed.

Choosing a Good Insurance Company

    Make sure the insurance company to be chosen has been registered at the FSA and the Association. Can also be seen via the FSA website and the Association or asked directly to Customer Care FSA.
    Note the insurance company's financial strength, which can simply be seen through the Risk Base Capital magnitude of at least 120% and the condition of assets and liabilities that can be known through the financial balance sheet published in the media. On the balance sheet can be seen also in corporate profits annually
    Make sure the company has an experienced underwriter and experts, which can be seen from the company profile. Regulation requires that companies have experts at the Central Office, adjunct experts in all branches, and also power actuary.
    Note the picture of the quality of services rendered by the company, such as how long the policy issuance process, service or additional services provided, the quality of the designated partner (such as a hospital, workshop partners, and others).