Tips: Guide Choosing the appropriate health insurance

I think between us are not crowded out, or do not know how to get the right to identify the health insurance policy with us. Which can provide adequate protection from the present into the future.

Looks like you too, when I first reunited with the word insurance. I do not have direct experience. My dad (i love you!), Which reminds me again, "if dah work, amik insurance, buy a house first". tu her message, berkali2. To makluman, my dad ni are not highly educated people too. So now I am very impressed with the awareness that my father would be willing to understand the future interests of this design.

okay, turned the story of my story the first time I took the insurance. I am grateful for having someone who becomes, where I refer to something uncertainty. I believe in intuition and the way he managed to live. He was like a brother to me. So the short story, like where my friend, I finally chose to take the policy with prudential, sepertimana him. (At that time prudential takaful not exist anymore, there's only pru prudential Islamic link only).

So far, I should say lucky because my insurance representative, has the quality of a good agent and professional.Banyak nasihat2 and opinions in terms of assistance given to me without motive perjudis and without protection from the kesemasa. He gives an opportunity for me to make decisions for themselves, without any commercial purpose that is pursued komisien.Malahan important every day, there were cards greeting cards sent to me or at least sms. In fact every time he traveled out of the country there are only a given ole ole. So in short, the relationship between my representatives and my insurance did not end, setakat not as representatives of insurance and the client but more to friends.

Here is what I want to Tips2 partnerships that may assist you in choosing the appropriate insurance product to you. .

1. Ask yourself, if you need insurance protection?
Answer honestly from your heart, whether you need insurance protection or not. Do not just join a friend or just there. otherwise, know n find out the protection offered to you. In contrast to caruman socso and KWSP, insurance is one more way that can help you and your family financially because he can reduce financing costs or your health. Instead prudential takafaul can provide financial protection if you are unable to work because of chronic pain by paying premiums until age 80 to tahun.Malahan the savings for your policy will be continued until the age of 80 tahun.Sekurang2nya money KWSP / retirement / storage you do not need to use to finance your medical expenses.

2. Protection must know that you want and what you can afford.
Most important, you need to understand it and halusi any protection policies offered to you, understood each paragraph or the requirements stated on every page. This is important for you to understand every dollar you laburkan it will be prosecuted as embodied.

3.Pastikan way that makes it easy payment.
Make sure that the monthly premium payment to help you, not complicates. Payments can now be done easily through auto debit from your savings account or credit card discount. I suggest that you make through auto debit. Because maybe 2 or 3 years to come you will probably end your credit card account.

4. If possible, take the agency a full-time and experienced. But it was not wrong when taking an insurance policy from an agent half the time if you feel they are committed to carrying out their duties as representatives insuran.Secara logic, insurance representatives and full-time who are not married must be given time more than the representatives who had been married. So all that must be investigated because it would give the impression to you later. So choose what's best for you.

5. If you are still not convinced with the explanation given by the representatives of the insurance, ask for time to think and relax. at least 3 days. Review the past and he thought the police had offered to refer to a wise friend in insurance alone. Compare your policy offered by another person or the policies offered by the police the other insurance companies. At least you know what's best for you for today and the future.

6. If you have no insurance coverage was provided by the company or the family, compare the policy is given to you and think for the long term. Usually insurance protection provided by the company only for the period of time to work when the company alone. So it is wise if you take a personal policy to avoid trouble later on, especially when your age increases. I myself have made the insurance protection 3, one of the company (while I was still in office), the secret police (prudential), and the police hospital income (Maybank). Least risk in the event of difficulties can be minimized in the future. Public need to know the monthly premium price is different according to age, and the level of one's health. Phase premium offered to the police today may be different in ten or twenty years to come. The appropriate time to take the police as early as age insurance premium which is cheaper and approval of the petition also easier because the risk is lower accumulated.

7. Choose the protection of existing low investment bonds (or low education). Least every dollar that is paid every month there is a part for investment. Maybe not as much as if making a total investment through a share trust or unit trust, but at least every penny you have values that give your insurance representative pulangan.Tanya, how many parts of the payments to the fund put together and what percentage dilaburkan to benefit.

Offering protection 8.Pilih medical card, if any, must know the type of protection offered by the medical card. Must know the list of clinics and hospitals that accompanies the list of the panel nearest anda.Bandingkan with other medical card if you know for sure the best of medical cards for medical card anda.Pastikan whether it is provided by third parties (third party) or panel main.

9.Tanya insurance representative how much time taken for the approval process and if approved how long it would take to get a book policy for further revisions

10.Tanya kaedah2 or make demands by cara2 original prosidur. Perhaps a good representative will do everything for you (you only need to sign it), but you still also need to know the demands sekurang2nya you know what needs to be made if your insurance representative does not help you.


11. Ask a method or process to terminate the insurance by the right way and how much time is taken to end the policy.