Obesity is said Disease, Patients Reluctant Precisely Diet

In 2013 then , the medical association in the United categorize obesity as a disease . It was done with good intentions that people avoid obesity . But according to a study , defines obesity as a disease actually makes people fatter .

An American study found that obese men and women who are told that obesity is a disease not necessarily be interested in a diet .

Scientists in the study also found that defines obesity as a medical condition made ​​as obesity is a condition of force majeure that could not be controlled completely . Classification was also made ​​obese patients more satisfied with the physical condition and look at one eye on calorie reduction .

This study was triggered by a declaration of the American Medical Association that said that obesity is a disease . Pros and cons appear after the declaration was issued .

For the dispute suggests , researchers from the University of Minnesota and then do some research . They asked more than 700 adults to read one of three articles on obesity . Data on height and weight of the participants was then recorded .

The first article from the New York Times about the decision to classify obesity as a disease . The second is writing the article focuses on tips for weight control . While the third article of the argument that obesity is not a disease and emphasize the importance of lifestyle on health .

The result of men and women with obesity who read the first article assumes that the diet for health does not really matter . They are less concerned about the weight , feel happier with the size of the body you have, and choose higher -calorie sandwich when dosodori some kind of sandwich .

" Given that obesity is an important public health issue , need a greater understanding of the impact of the message ' obesity is a disease ' which has significant implications , " said the researchers as writing in the journal Psychological Science .

Tam Fry of the National Obesity Forum said that obesity is a disease . However , the message must be delivered to the community in a way that is more sensitive . The key is , obese people need understanding , tenderness , and affection before informed of the urgency to lose weight .

" Obesity is a disease , and a case of other diseases , it can kill , " he said as quoted by the Daily Mail , Sunday ( 02/02/2014 ) .

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5 Ideas to Keep Wishlist Guarantee Insurance

How long can a list of things you want to see , do , experience or feel for a long time ? For some people , have a bucket list or a wish list was considered too dark ; , but have a goal in writing can give you the boost you need to live a full life .

If your wish list five things listed below , you may need to take the time to consider the purchase of life insurance before running to make it happen .

1 . Swimming with stingrays

Swimming with stingrays create the illusion that life is not disturbed , but since the death of Steve Irwin , the illusion gets a bad reputation . Crocodile hunter stabbed 44-year -old spinal poisonous stingray and serrated at the heart of which led to death at the scene .

Six weeks after the accident Irwin , a stingray jumped into fishing boats in Florida and stabbed James Bertakis 81 -year -old in the chest , although he escaped death .

Although rare - only about 17 deaths were recorded in 1996 - it is clear that the encounter with stingrays can be dangerous . If you plan to swim with these fascinating creatures , make sure you are armed with life insurance .

2 . Having a tattoo

In a world that is separated by language , tattoos are considered a form of expression that is universally recognizable . Tattoos have also been around for thousands of years . Ink injected into the skin using a needle attached to a tattoo machine that can puncture the skin 3,000 times per minute , leaving small holes that it can reach 1/16 inch .

In these cases , open wound will dry up , but still can cause health problems - and possibly even death . Having a life insurance or health insurance is mandatory if you are planning to strike out the desires of your list .

In 2012 , public health offices in New York received reports of non - tuberculous skin infection mycobacterial ( NTM ) at least 14 people who had been tattooed with the gray ink is the same that has been diluted before.

3 . bungee jumping

' Falling into death ' is a common fear in people who do bungee jumping , but the risk is much more than the obvious . Until now , there are about at least half a dozen deaths and nearly as many critical injuries caused by bungee jumping .

Statistics will tell you that 1 in 100 people will die while bungee jumping but the death was not caused by a malfunction of the equipment but rather by a heart attack . Excellent condition and ownership of both life and health insurance is very important before you start jumping .

4 . Swim with sharks

Predator fearless ( and scary ! ) Is always sparked curiosity divers . Swim alongside these creatures the same taste with the most frightening lightning up in the world . There is a thin line between life and death while swimming with sharks .

In 2008 , an Austrian tourist was bitten by a bull shark in the safari shark diving event in the Bahamas island . According to the International Shark Attack File 2012, there were about 80 incidents of " unprovoked attack " by sharks on humans .

Shark attack is not common , but if you plan to put yourself in situations that are vulnerable to this attack , it would make sense if you have life insurance .

5 . Skiing in the Alps

Being in a tropical country , most of Indonesian people dream to ski , at least once in their lives . The game is fun but not without danger .

Skiing accident that exposed massive lately is an accident involving Formula One World champion seven times , Michael Schumacher , who despite using safety equipment slips into a coma .

The hazards associated with skiing including skiing too early before the season that can cause your skis placing the burden of snow cover . Hit a rock or a hindrance when you diberari snow skis can bounce you forward and drop your head first. If you land on soft snow , it would be nice . If you land on top of another object , death can not be avoided .

Make sure you have life insurance and medical insurance before attempting this exercise seem fun .

Life is full of excitement is something that everyone wanted . Thoughts on leaving this world with regret making people rush through life fully - sometimes even carelessly . Both chose to swim with sharks or a vacation in the Bahamas , make sure you do it carefully - and with sufficient insurance coverage !

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Fortunately Loss Package Car Loan and Insurance

The rapid sale of automotive business especially car insurance in Indonesia and one of them caused by the ease in obtaining loans . It also creates a new industry with rapid growth are leasing or financing company credit . Not only the banks that took the market potential , but also financial institutions other than banks that finance companies . As a consumer , you must be smart when to buy a car in cash or credit , and what the appropriate insurance product for you and where you take out the insurance products , either through dealers , finance companies or directly to the insurance company directly . The article below will discuss the advantages and disadvantages of these things in more detail .

Advantages and disadvantages of credit vehicles

If you have more money , buy a car in cash is certainly more cost effective than the credit because you will avoid interest charges . However, cash purchases also have some disadvantages , namely :

Loss of Opportunity ( Opportunity Loss )

Buying a car in cash to make cash / savings drained away so you you can not do any other investment or use of these funds for working capital which could potentially generate higher profits from lending . You can compare when buying on credit , you simply pay a down payment of 30 % so that 70 percent can use for working capital or other investments . Of course this is still speculative , that can be beneficial or even detrimental to you two times , because the loan interest expense and possible loss of business . The choice is in your hands .

Loss Time ( Lost Time )

For those of you who do not have much money and want to buy a car in cash , then you have to save it first for several years and after sufficient funds , you can buy a new car . It is also risky given the price of the car is very likely to rise as the rate of inflation .

Now what about your car insurance ? How can the right to choose the insurance product ?

Finance companies usually require you to take a loan package with insurance . Special first-year and new car loans ( not used) , you will usually be asked to take the All Risk insurance package to protect your car in total , only then you may choose another insurance package in the next year , of course with the same insurance company and has been determined by the lender who is already working with car dealers . So you can not choose other insurance companies as you like .

Advantage Package Car Loan and Insurance

The advantage of this package is an easy process , you do not need to bother thinking about the details of premium , file completeness insurance , survey the condition of the vehicle and so on , as all are listed in the package with your car loan approval process of the finance companies where you take a credit vehicle . You only need to think of a nominal advance credit application and document and measure your ability to pay installments .

Losses Package Car Loan and Insurance

If you buy a car at a dealer either credit or cash , the dealer will offer you a wide range of additional products . It is most wise when you experience this rejection is doing unless you really understand that the product offered is you need and you can get a reasonable price . In principle, if you take out an insurance package at the dealer , then you will get the following disadvantages :

more expensive when compared to taking a direct insurance company in the insurance

no cost should you spend as a reward for cooperation dealer that sells insurance products , and the cost was of course charged to the buyer

Beware of offers such irrational interest zero percent interest . It is generally just a marketing language , because in practice there are other costs increased as a cross-subsidy for the low interest . In addition , dealers sometimes offer "cash back" or a special discount program for fresh graduates as insurance , the owner of a particular bank credit card , military members , and so on . Programs like this that you should dig more complete information so that you can join the program and benefit from it .

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6 Simple Ways to Tap Car Insurance Premiums

For the people in Indonesia , buy an insurance product is less desirable . The lack of access to insurance caused by many things , both the existence of the view that insurance is not required , the premium offered is still expensive , the benefits offered is not in line with the wishes of the people , and the lack of socialization of the importance of insurance .

Insurance penetration in Indonesia is relatively low . In general , insurance penetration or market share is still below 5 % . This is ironic considering the number of Indonesian society registered in 2010 approximately 237 million people . Indonesian society still large untapped insurance industry needs to be a whip for the insurance industry to realize this potential is so great that.

No doubt , there are still many people who think that insurance premiums are expensive and not affordable . It is actually not 100 % true . Because there are several insurance products that are offered relatively affordable premium rate . In fact , if carefully select , we can obtain an insurance product with a fairly low premium rate .

Keep in mind , the premium is the amount of money that must be paid every month as insured obligations for its involvement in an insurance company . The amount of premiums set by the insurance company with particular attention to the condition of the insured .

Policy and Insurance Company Products

Insurance Policy is a contract of insurance or coverage is consensual ( by agreement ) , made ​​in writing in a deed by the parties entered into the agreement . In deed made in writing was called " policy " . Thus , the policy is proof of the insurance agreement is a written proof .

Insurance companies have many products that are offered to the public , which are insurance products . Typically , a vehicle or car insurance premiums offered by insurance companies differ . Different rates offered actually provide benefits for people who want to access insurance products .

Insurance companies continue to compete to create innovations related to auto insurance . Innovation insurance company finally made ​​an impact on the variation of benefits provided to people who intend to purchase car insurance . Actually, on this basis , car insurance premiums could decline . This happened because the penetration of insurance products people would still small . To enlarge the market share of car insurance , many insurance companies slam the price premium . However , you need to be careful to address the low premium rates offered by an insurance company .

Because, if the amount of the premium being offered is low , the public needs to be aware of whether the insurance company has a strong capital to pay claims reported customers . Keep in mind , a good business in the insurance industry is when there is a balance between the amount of premiums to claims . That is, the premium rate should be adjusted by the insurance company's ability to pay its obligations or claims obtained from the customer . When you want to buy insurance with a low premium levels , people need to be careful in sorting out insurance products in Indonesia . In fact , there needs to be awareness of yourself to get a lower premium rate .

Simple Tips to lower premiums

To get car insurance premiums are said to be low or affordable , then people need to look at some of the following, namely :

First , find out in depth car insurance products in all insurance companies in Indonesia . Find out the premium rates offered by each insurance company . Do not forget to find out the benefits provided and deadlines liquefaction process claims . If so, compare these products and decide which one is cheaper yet still provide complete protection .

Second , dare ask for a premium piece . When you want to buy a car insurance product , then there is no harm in doing negotiations with the insurance company . In fact , their bargaining power will be higher when coupled with the ability to control risk while driving .

Third , select the right vehicle . This is important . When you want to buy a new car , it is necessary to consider the type of car to buy , how the level of comfort and safety. Do not buy a car at a fantastic price , because there will be an impact on premium rates .

Fourth , strengthen the ability to drive . With the ability to drive a car that is capable , it will give you a distinct advantage . Because the insurance companies will see it as a foundation capabilities provide a premium level . The more proficient , the lower the level of risk . So is that the lower the premium rate .

Fifth , by adding a variety of security devices . With various safety devices , such as alarms , steering wheel locks , and such risk will be reduced . If the existence of these things already exist , it is not likely to be the basis for people to negotiate the level of car insurance premiums lower ,

Sixth , there is no harm in adding safety and comfort features in your car . There is no harm in adding ABS brakes , front and side air bags , electronic double seat belts , sensors , and the like . This can reduce the risk of injury in a car crash . Reducing risk means car insurance premiums lower .

By paying attention to some of the above , chances are people will get a lower premium rate . More than that , it never hurts to add insight about the insurance products and premium calculation . With in-depth knowledge , the quotes given by insurance agents can reduce the risk of a borrower swallow offers given .

Public knowledge of insurance , including products and calculation of premiums that have been studied in depth will minimize the purchasing power of automobile insurance products offered by insurance agent to excess . Remember , high or low premium rate is not only influenced by the offer of an insurance agent , but also greatly influenced the ability of communities to manage risk .

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How to Organize Household Finance After the presence of the Son

The presence of children is an important moment in the family . Moreover , in addition to happiness , the presence of the baby has little implication finances . Need to manage finances different household after the baby 's presence .

When my son was born , we did a lot of preparation , my wife and , since far - away days . Starting from regular visits to the doctor , choosing a hospital to give birth , buying baby gear to look for a baby sitter .

Understandably , the presence of the baby has been expected for a long time , so we went through the exciting process . All the preparation that we consider important are already trying to do .

However , there are things that are actually important , but unnoticed . What is it ? We did not properly manage the family finances while welcoming the presence of the child. How to set up household finances is still the same as when no children .

Maybe because we do not know , but probably also because of ignorant , thinks it's not important .

Consequently ?

In the first month of birth , our finances collapsed . Previously , we could set aside a regular investment . in it , not just routine investments that fail , even spending is greater than expenditure .

Financial minus . We had to melt deposits .

Initially , I thought it only momentarily because of the needs of the symptoms in the beginning . In fact do not .

This condition persisted for 6 months straight - can participate without brakes.

Finally , in order to stop the financial bleeding , I decided to look back and analyze all expenditures . Spending a month I noted every day .

After analysis , the main problem ketemulah number , namely :

A surge in spending . Spending rose nearly 2-fold . Costs - costs that have nothing , appear in large numbers . For example , salaries baby sitter , baby food and beverage expenses , as well as clothing . Additional costs for the benefit of future children are also small . There are educational investments and insurance . It all makes the accumulated expenditures increased many times . I know that spending will go up , but it is not anticipated that this high Ascension .

Our expenditure pattern has not changed . My wife and still had the same consumption patterns as not to have children . Snack at the same place , the same style of shopping at weekends and others - others .

As a result it's obvious , is not it? With our salary is still the same , while there was a surge in spending due to the child's needs while the old spending patterns do not change , it is not surprising , household finances into deficit each month .

After this incident plus a number of references that I see , the conclusion that the way family finances are different .

Manage finances when no children can no longer be applied . Need to apply different ways .

Children's and Household Finance

What needs to be prepared in the presence of a child ?

This is important . After seeing what the financial consequences , you can make a new financial management strategy is right on target .

I met a lot of friends who do not know , what are the financial consequences of the presence of additional family members at home . Even know , just a piece - a piece , not comprehensive .

No wonder the preparation of the financial side so chaotic - turvy .

I noted a number of things that need to be anticipated :

1 . Increased Spending

Appeared many additional costs that had been non-existent, such as food and clothing children , the presence of a maid or baby sitter and others - others , which affect household spending .

Moreover , the excited children, the first child again , make parents want to always give the best . The problem is , it's the best , cheap rare , usually expensive. Ends , the monthly expenditure so not guess - guess .

The challenge is to determine how the bulls are still reasonable . Can be very subjective . Because individual consumption patterns - each parent is different - different , so is the ability of the financial support the additional expenditure .

2 . Investing Education

The cost of children's education is a thing to be prepared far - away days . There is an additional allocation of monthly spending for education investment needs . To that end , a number of steps need to be done .

Determine how much funding education . Do a survey of school fees ranging from kindergarten , elementary , junior high , high school and even university . Then , determine the forecast increase in costs per year . From here you can calculate the estimated total cost for each - each level .

Choosing a financial instrument to achieve targets of education funding . Choose an instrument that provides a level of profit that can achieve these targets .

If it is still heavy set aside funds for education , needs to be made ​​a priority . My advice start of the closest , eg entering kindergarten or elementary school needs . It is most urgent .

However , other levels of education needs should not be forgotten . Principally because the longer we prepare , the more light that funds should be set aside .

The key lies in the selection of appropriate investment instruments . For the long term , over 5 years , I suggest putting in stock mutual funds . Meanwhile , short-term goals can be in gold , mutual funds or money market mutual funds mixture .

In essence , given the return can offset the increase in costs each year . What about education savings ? I do not really recommend , refer to the explanation here .

3 . Adding to an Emergency Fund

Have a child means a great responsibility as a parent . If there is something unpleasant , as much as possible the impact on children , especially things that are essential , such as education and health , minimum . One way is to have an emergency fund .

If before having children , emergency funds may not be a priority . Now with dependents , emergency fund becomes mandatory component .

Is not there insurance ? Different purpose .

These funds are used to things - things that are not covered by insurance protection . For example , job loss or decreased income . If you have prepared investment slumped , so that there are not enough funds , emergency funds can be used as an emergency fund .

For example , in 2008 , the market fell , the stock price dropped to the bottom . In this situation , an emergency fund can save your finances as it is placed in a relatively safe instruments . Later after the stock market rebounded , you can reverse the emergency funds previously withdrawn .

The number of emergency funds recommended for families with one child is 6 to 9 times the monthly expenditure . For example , expenditures ( after having children ) to Rp 10 million , then an emergency fund of at least USD 60 million .

More and more members of the family , the greater the expenditure , the allocation of emergency funds should be higher.

Emergency funds were placed in liquid financial instruments and risk is small . The goal is not looking for profit , but rather the level of security and ease of access .

The instrument can be selected for emergency funds include deposits , savings plan with interest on regular savings , gold or money market mutual funds .

For those who have not had this before allocation , fund demand for it usually feels burdensome . My advice , though it may not yet be on target , the most important is to start . Slowly - slowly over the ability of the household finances improved , later increased in number .

3 . Buying Life Insurance

Having no children , ownership of life insurance becomes mandatory . Why ? It forms the responsibility of parents to children . If a parent dies , the child has financial protection . Insurance fund that will provide insurance coverage for the child's life .

It should be carefully taken into account how the value of life insurance coverage is adequate . Ideally , the insurance protection sufficient funds to finance a child's life into adulthood .

Protection needs to be juxtaposed with the ability to pay premiums . The greater the coverage, the greater the premium to be paid .

Strive to choose insurance that is consistent with financial objectives . Because the goal is protection , to optimize the amount of the sum assured . Make sure the number is sufficient .

One type that could be considered is a term- life insurance or pure insurance protection because it provides optimal value with a relatively affordable premiums .

How to Organize Household Finance

From the description above , the consequences are obvious , ie the increase in spending . Many of the costs and the allocation of investment in order to support the baby's life . Meanwhile , on the other hand , we know the income or salary is not necessarily rise . Even if rising , bulls conducted once a year and at the end of the year .

How to set family financial tips in a situation like this ?

1 . Making Priorities and Budget Spending

Under conditions of limited resources , priority is making steps that need to be done . Establish which one should come first , which should be delayed or even not done at all .

However , more importantly , when making a priority , you are indirectly forced to perform an evaluation of family expenditure patterns . Which of these evaluations may not have ever done before.

Steps to set priorities and household budgets are as follows :

First , calculate the expenses in one month . Record all expenses within a month , the more detailed the better , do not fall through the cracks .

My experience , a lot of expenses that the numbers are small - so small we often ignore unmonitored . In fact , this seemingly small expenses add up to a large amount in a month .

Just one month record , but cultivated as completely as possible . So you can picture kumplit and clear .

As a result, the entire monthly expenses unraveled so plain that you know where that is not important but costly , which can be saved and others - others .

For example , when doing this , I came to know that the money for coffee and a snack , which seems small when viewed every day , in fact, spend a small amount in a month .

Many of the insights here about the pattern you consume and how lifestyle living. Generally , we have never done an evaluation of the expenditure , everything is automated , especially on matters relating to children . Not aware that spending has been out of control .

You will be surprised to see the results .

Secondly , based on the record spending , set priorities and budgets for each set - each tailored to spending our financial capabilities . Decide where we want to precedence , which is not too important .

The key , priorities and budgets must be prepared and decided together in the family . Everything has to be agreed . By doing so , appears committed to run it .

Parents often emotional , especially the first time to have children . Because of this assumption for the child , no matter what the cost could be justified . Facing this kind of emotional challenges , priorities and budget into a tool of control is quite effective in my experience .

2 . Managing Spending Wisely

Lugasnya language , you have to downsize . Can be done in various ways . Ranging from easy to difficult .

First , reduce your expenses and your partner . Starting from the most consumptive and unimportant . Use records to see which consumer spending that could be reduced or even eliminated .

My observation , saving food and clothing smelling life - style most significant . For example , a weekend road to be reduced from the usual mall every week to two or three weeks once . Coffee that had been saved by the famous coffee shop to make your own coffee at work or looking for a cheaper place .

If it is the intention , there is usually only path.

Importantly , subtract the first consumption life - style . Because you do not make a big impact and is generally not important because it is more for pleasure purposes .

As much as possible do not reduce essential spending , such as investment and saving . If the investment to be reduced , while the consumption life - style left , the negative impact for your life in the future .

I met many people who first cut investment , while spending life style is maintained. Not a wise choice in managing household finances .

Second , provide the needs of children according to ability . There are many alternatives in the market quality and price . Importantly , be of the highest quality ( high price ) . But that is not important should select a more affordable price .

Do not be easily carried away . Many things - things that can actually be saved .

Take an example . Under the age of five , children grow so fast , so easy to change clothes . What needs to be high-priced clothing ? It may be necessary but not necessarily all of them . If there are clothes of an older child who still deserve to wear , can be handed over to his brother .

So it is with toys . Should it be the exorbitant price and quality ? Now there are those who rent toys - children . This business was born out of the fact that children - children get bored with his toys .

In his book , " Make It Happen " , a financial planner Ghozie Pritchard , presenting interesting facts . According to him , Mother's Milk ( ASI ) is not only good in health , but also good for the family finances .

In the book, Pritchard shows the count of numbers - numbers , how breastfeeding can save more than formula feeding ( bottle-feeding ) . It inspired frugality , interesting and worthy to be considered in the management of the family finances .

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Choosing Term Life Insurance

In the beginning , I want to reiterate that I choose Life Insurance Term Life , or often referred to as pure life insurance . Why ? The reason is simple . Low premiums with coverage that fits your needs protection . If there is cheap , why should that expensive .

If you want to know more detail , why it's better choosing term insurance - life , can read the source - the following sources :

Blog Ligwina Hananto financial planner ( www.qmfinancial.com ) . His article describes the advantages of term- life insurance than others . The explanation is simple , " to the point " and very sensible .

The book " Do not Buy Link Unit ... " by Freddy Pieloor . This book dissects unit-linked ( UL ) using real examples from various policy UL several leading insurance companies . Mr. Freddy never become an insurance agent . As the insider , he presents a detailed and insightful explanations .

After reading sources - sources above and compare with an explanation and propaganda of agents who offer other products , you can decide for yourself . Need life insurance term- life , like me , or choose another type of life insurance . That 's your decision .

Message me one .

Whatever the choice , do it with consideration and careful thought . Do not just choose . Do not buy because of a bad taste or pity . Embarrassed by his agent , tired of being questioned and chased - chased at every opportunity . Purchase with confidence that the selected insurance is the most suitable and necessary .

Life insurance is purchased in order to protect the future of children and families . If one chose , those who will be affected .

Back to term insurance - life .

My experience looking for term insurance - life , difficult - difficult easy . Why, why be difficult ? Instead agents are usually very aggressively looking for potential buyers .

Well , because the term- life premiums are relatively small , a few insurance companies that want to sell . Even some companies have started to eliminate these products from their portfolio .

Not only that. In a meeting with several agents , I feel the term - life insurance is not a priority for the products offered . If not asked , the agent does not offer term- life . Precisely other products , the premiums are more expensive, more aggressive sale. Imagine , if prospective buyers about the blind about insurance and only rely on the instructions of agents , we can be sure he will not know the term- life .

Initially , I ask - ask , why be like this . Oh , it turns out , the commission agent is determined from the value of the premium . Hence , a logical consequence , the term - life is smaller premiums , not in order of priority offers . Other products with higher premiums , so the fatter commission , always presented first. Although , maybe, the term - life is actually the most suitable for prospective customers .

So , when intending to buy term - life , need to be ready mentally for the more chatty ask the agent . Do not let go . Ask from the beginning to the agent , before bombarded with other products , if the insurance company has a product term - life . Be patient and do not give up easily when looking for it .

Characteristics Term - Life

I 've offered a life insurance claim as a term - life . In fact , after further investigation , it is not a term insurance - life . How to make sure insurance including term - life ? At a minimum, the following characteristics need to be owned .

First , a limited coverage period , which is protection only applies for a certain period . Most short 1 yr , while most can be 20 yrs old . The term of protection is free to choose , depending on needs .

Insurance that provides protection for life , or until 99 years old , definitely not the term - life . This type of insurance is called whole life .

Liability period becomes important . Limited coverage period lowers the price of premiums . The longer , the more expensive the premiums . Maknya , term insurance premiums - life is cheaper than whole life .

Anyway , what needs to be insured until the age of 99 years ? Average - average life expectancy (life expectancy ) in Indonesia ranged in age from 65 years . Not until the age of 99 years most of the deceased . After all , if it was endowed with the age above 65 to 99 years , children who become insured can certainly have no need to live independently so that the cost of the old strut again . For what had insurance with the coverage during this period , which consequently had to pay a higher premium .

Second , the critical , life - term no cash value . The cash value is dikembalikkan money when there is no claim . No cash value , meaning premiums forfeited . There is no refund of premium in the term - life .

This is what distinguishes the term life whole life and UL which both provide cash value . Policy owner is entitled to get back the cash value if no claim TSB or cash value can be used as collateral for a loan payment of premiums .

Again - again about the price . With no cash value , the price premium term insurance - life insurance be cheaper than other types . The cash value is not free but there is a price . That is , the more expensive premiums .

So , if one is reluctant to take term life , by reason of scorching of the premiums , needs to be asked whether a more expensive premium price instead of the same, or even greater , compared with no return of the premiums . Premiums did not return but compensation premium rates to be cheaper .

Third , the amount of term insurance premiums - life can be the same for a certain period ( eg, five years ) after the rising , or rising steadily every year . For example , the first five years , the premium paid in 1.5juta flats per year , then entered the sixth year rose to 2 million flats again until the 10th year onwards . Meanwhile , the other , the first year premium 1 million , two -year rise 1.1juta , rose again the third year 1.2juta and so on .

Type premiums change every year imposes a first -year premiums are cheaper than the premium flats . While this type of premium flats , the larger the initial premium , but the premium does not change during a certain period .

I chose the premium go up each year , instead of the flat . An increase in salary each year is expected to neutralize the increase in premiums each year as well . Thus , although the premiums go up , but a percentage of salary , payment of premium has not changed .

Thus about term insurance - life . Can ponder and consider , before buying life insurance . 

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Choosing the Best Health Insurance: Allianz, AXA, Cigna, or Manulife

When it decided to stop working and start your own business , one thing that needs to be addressed is the matter of health care costs . How to be financed ? One of them is health insurance . But the problem is , how to choose the best health insurance .

With that purpose , the reviews done on offer from the four leading insurance companies , health insurance is Allianz , AXA health insurance , health insurance and health insurance Manulife Cigna . All four are quite reputable provider and have a cooperation network hospitals including the most extensive . Each take a look and compare the benefits and premiums with each other .

Health insurance is insurance that provides reimbursement of medical costs if the policyholder hospitalized due to disease or accident . The amount of reimbursement by the amount of the bill from the hospital to a certain limit restrictions taken based on the insurance plan .

Health insurance with critical illness insurance is different . Critical illness insurance gives cash benefit if certain critical illnesses . Given a one-time cash benefit in a lump - sum .

Before looking at each - each offer , we should first discuss what the ideal criteria . After that , we can determine which health insurance is good .

Criteria for the Best Health Insurance

According to the literature and the opinion of a financial planner , this was the case - things to consider .

cashless

With cashless , reimbursement claims easier . When admitted to hospital , you do not need to pay , but quite settle the bill with the insurance card swipe . No need to pay upfront , which then still have to be reimbursed to the insurance ( reimbursement) .

However , this requires a cashless hospital where you were treated already cooperate with the insurance because the hospital must have and put the card swipe machines for insurance . If no cooperation , despite having insurance cashless claim system , you are forced to continue to pay upfront and then finish with reimbursements .

Hospital Network Area

Cashless claim can not be done in a hospital that does not have agreements with insurance . Therefore , choose the insurance that has a network of cooperation with many hospitals . Make sure you have subscribed to the hospital ( if any ) in collaboration with health insurance that will be selected .

Ceiling and premiums according Needs and Capabilities

Ideally the chosen health insurance ceiling as desired . If the scheme is taken lower , while later hospitalized , you have to pay extra to cover the lack of insurance that are not guaranteed .

Of course , the high ceiling is proportional to the amount of the premium relates . The more expensive the hospital room , the more expensive the premiums . With the ability to adjust premiums , not even your financial burden . Must be prepared trade- off between the premium and the ceiling . Although it is often not easy , as a matter of health , for example, the selection of a hospital room , the more emotional and tend to want a comfortable and nice , the room rates were expensive implications .

Pure Health Insurance

Choose a stand-alone health insurance , life insurance rider is not a unit -linked . Why ? Expensive . In unit -linked , premiums will be shared for life insurance, investment and new health insurance . Into small portions for health , so you have to pay more to get a higher ceiling . Not to mention , a unit -linked deductions are not small numbers , which further reduce health care premiums .

In pure insurance , premiums are intended - an eye for insured health costs and discounted costs nor the costs in the unit -linked , so that premiums be cheaper or higher insurance coverage . If you want proof , compare the insurance coverage and the amount of health insurance premiums between pure with health insurance who are part of unit-linked .

Prioritize Hospitalization

Health costs include outpatient and inpatient . Should focus on the insurance cover hospitalization costs for this treatment is greatest . If you have more money , can take additional outpatient insurance .

Without Limit per Treatment

There is a limit or ceiling that limits the maximum number of health claims costs . Generally , the insurance limit applies two types , the first is a combined limit of all treatment and the second is a limit per treatment . For example , the first limit restricts combined all treatment costs USD 250 million a year , while the second limit restricts surgical care costs Rp 10 million a year , consulting fees of Rp 10 million a year and so on .

There is a limit of insurance which only uses the first , there were only the second limit and some are using both limits simultaneously. Should select the insurance limits apply first , or in other words do not limit the cost per treatment . It means that the policyholder flexible treatment of various treatments for a total limit is still there . Insurance limits that restrict the first and second limit , of course , the most ideal .

Note the Auto Debit Credit Card Payments

Although it seems to make it easier and usually pay a monthly premium ( finished look lighter ) , please careful - careful to auto - debit payments by credit card . If forced to use this method because the insurance does not provide other payment alternatives , make sure you know when payments begin and how the process if you want to stop .

Avoid Taking Health Insurance via Phone

Bids health insurance through tele - marketing began to emerge plural . Usually in cooperation with the credit card issuer . Related products are quite complex , as this insurance , you should think about , if you could do analysis and research , before making a decision . Therefore , I do not recommend taking a decision as soon as the offer by telemarketing . I never experienced themselves quickly and summarily the bidding process , so a lot of detailed info that can not be delivered due to time constraints . If it is interested and takes the time to think about it , can ask the insurance company contact number , which you can later contact when it is ready.

Wait period Disease

Health insurance requires a waiting period , some diseases can not be claimed for a certain period from the date of expiry of insurance . For example , Cigna establishes the following diseases can only be claimed 12 months later , ie asthma ; tuberculosis (TB ), kidney stones , urinary tract and bladder ; high blood pressure ( hypertension ) , heart and blood vessels ; Diabetes ( Diabetes Mellitus ) ; Vertigo ; and others - others . Ask the insurance company what goes diseases and how long the waiting period .

Judging by Health Insurance

Family health insurance plan that I ask is 3 members of a family , a husband ( age 41 years ) , my wife ( age 41 years ) and girls ( aged 5 years old ) . Inpatient room costs Rp 750,000 per day . The benefits of each - each insurance presented in the table below .

The best health insurance

ALLIANZ

The total premium for the year was USD 11,250,000 hospitalization . Interestingly , in -room inpatient limit for Rp 750,000 to 180 days a year , including the highest among others . However Allianz limit apply per treatment varies depending on the type of treatment . Meanwhile , limits the total limit for the combined knowledge no treatment . Cashless system . More can check at Allianz health insurance .

AXA

The total premium for the year was USD 12,674,000 hospitalization . Although more expensive among others , AXA does not apply limit per treatment . Care is paid according receipts , which are limited treatment combined limit of Rp80 million a year . There were a total combined limit of Rp 250 million a year per person . Hospitalization with room for Rp 750,000 per day maximum of only 60 days a year , fewer than Allianz . Cashless system . More checks at AXA health insurance .

Discussed health insurance is provided by AXA General Insurance , not by AXA Mandiri Financial Services and AXA Financial Indonesia .

CIGNA

Cigna launches new family health insurance , the Family EaziCare . The premium is determined by how much compensation per day and age of the oldest . In this example , the compensation of Rp 800,000 per day and the oldest 41 years of age , the premium per month is Rp 716.600 ( see details at a premium Cigna ) or Rp 8.5992 million a year to a maximum of five members . Looks relatively low premiums , let alone could provide coverage for up to five family members .

However , the benefit is somewhat different form , namely cash compensation . When treated , the compensation per day given a lump-sum , ie Rp 800 thousand , for a maximum of 60 days , no matter how much the cost of the room and the actual maintenance costs incurred .

That is , less or more shall room depending on the difference in total costs and maintenance costs compared to the amount of compensation . Although it looks cheap premiums , benefit is smaller than other insurance premiums more expensive . Cashless system .

MANULIFE

Health insurance is a rider or supplemental life insurance term- life ( Hospital Benefit Plus ) . Although not a pure health insurance , this program has an attractive benefits , not least with a pure insurance . The total premium for the year was USD 9,854,000 hospitalizations . In addition to cheaper premiums from Allianz and AXA , the cost of which is borne rooms also higher at Rp 800,000 per day with a maximum of 60 days a year of hospitalization . However , Manulife limit apply per treatment were relatively low , although there are no restrictions limit a year combined .

Manulife gives two benefits at once , life insurance and health insurance . The benefits of life insurance unit -linked here not because there is no investment element . In addition to the cost of health protection , you get life insurance protection worth Rp 600 million . We know that some other health insurers also provide benefits if the insured dies . But the numbers are small . No one at the insurance provided Manulife .

Finding the Best Health Insurance

All four implementing a cashless system , a family health insurance with inpatient facilities and are not part of the unit -linked . So for these criteria , all of them quite well . Let's look at other criteria .

ceiling

AXA ideal because of the limit of a large enough care with a limit ( the limit is not broken - broken per treatment ) , while others apply different limits - different for each treatment . Allianz and Manulife no limit but limit the total per year with a limit per treatment per year . For Manulife , because it provides additional life insurance coverage , we can reduce the life insurance coverage that we already have and use the excess premiums to increase health insurance premiums . Cigna good with limits restrict or limit the total per treatment . From the ceiling , because the smallest Cigna gave it in the form of cash compensation , which does not change the corresponding cost of hospitalization and physician costs .

premium

The least expensive is because in addition to the amount of premiums Cigna smallest , with premiums as low as it can be insured up to 5 family members ( 2 parents and 3 children ) . Meanwhile , other insurance , the premiums are more expensive , and even then only for 3 family members (more members , higher premiums ) . But , again , the premium associated with the benefits .

Network Hospitals

All of them have extensive cooperation . Which is the most complete information on their web AXA as described in detail the cooperation with hospitals and cashless claim the reimbursement claim .

Want to choose which health insurance ?

Depends . If you do not have insurance , my advice choose between Allianz , AXA or Manulife because they belong to the ideal ceiling . Meanwhile , if you already have insurance from work and want to add the insurance , take my advice Cigna because the insurance premiums are the most economical with fairly .

See more at : http://www.duwitmu.com/asuransi-kesehatan-terbaik-allianz-axa-cigna-manulife/ # sthash.oZYBaaZf.dpuf

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