Showing posts with label Life Insurance. Show all posts

Tuesday, 7 April 2015

Choosing Car Insurance: 6 Important Services For You

05:15
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For the first time customers owning a car, buy insurance for the vehicle will be based on the advice of the salesperson, the introduction of acquaintances,

Because simply no experience necessary for the service when choosing car insurance. However, after experiencing a period of insurance services, cars, facing trouble traffic participants, customers will be drawn to your services necessary to choose an insurance product car insurance for the next time. That's the basic services as follows:

Hotline:

This is a powerful tool to support customers using car insurance. Hotline support timely emergency situations when the accident occurred regardless of the day or night. Guide customers to handle the situation at the scene when the incident occurred. In addition to recording and monitoring procedures for compensation, the hotline can answer any questions from customers products and services to the compensation procedure.

Rescue Free Traffic:

When a problem occurs, the client only wishes his car was towed to the garage for repairs. No one will be interested in how much cost to your car is safe for rescue. However, if the car crash in a remote place in the dark, the cost of emergency transport is not a small effect. So rescue service free traffic across the country as well as the preferred choice for car owners.

Genuine Repair Garage:

This service is equally important to ensure that the car retains value after repairs. With genuine repair garage, customers peace of mind about the quality of repairs and spare parts. Moreover, the insurance companies are now associated with the original garage repair, the insurance company will pay directly to the garage, so customers do not pay cash to repair This garages.

Repair and replacement parts are not depreciated:

None car insurance to forward the issue with her. However, life is always "no one knows the word surprise", so if a problem occurs the customer does not have to take time to calculate depreciation if your car insurance products and repair services replacement parts are not amortized. For vehicles used, results are difficult to calculate depreciation for each part of the car needs to be replaced. For those expensive luxury cars, repair and replacement parts are not depreciated as a priority Vietnam service to ensure the vehicle remains the same value after repairs.

A water Insurance:

Mercury size (flooding) is an obsession of the driver when the flow in the rainy season because A water always cause severe engine damage and repair costs are very high. So insurance is always enabled hydraulic top concerns of customers when buying car insurance. Currently, some insurance companies offer insurance A water will be in the physical vehicle insurance package. When buying car insurance is always material Insurance A water customers at no extra charge for this coverage.

Insurance stolen parts:

But this is kind of optional accompanying material car insurance but the car owners are concerned by the situation occurred stolen car parts regularly, especially in big cities . With this benefit, customers are more secure because of the risk sharing from the insurance company.

Professional Health Insurance

05:02
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HEALTH INSURANCE

Health insurance is a type of insurance for the insured case injury, accident, illness, disease or health care are now paying insurance as agreed in the contract

Typical characteristics of health insurance compared with other insurance:

Contract duration: 1 year
Subjects covered: Humans (As of life, body, health.)
The health insurance industry representative: personal accident insurance, health insurance, health care insurance

ACCIDENT INSURANCE PEOPLE

Personal accident insurance is insurance operation in which an insurer undertakes to make payment to the insured person (the beneficiary) the amount of the contract as agreed when the accident occurred unexpectedly person insurance death or bodily injury.

Accident coverage of the event is happening (in Vietnam) due to sudden, unintended by the insured, from outside impact on the body and the insured directly caused insured for death or bodily injury; or the insured to act to save lives and property of the state and the people, and participate in the action against crime

Coverage of the insurance products of this type is the fatal accident or bodily injury of the insured

The product of personal accident insurance common in Vietnam today:

Personal accident insurance 24/24

Passenger Accident Insurance

Coverage students

HEALTH INSURANCE

Health insurance is insurance operations to ensure payment of part or all of the cost of health care for the insured when they are sick, sick, sick, maternity ... this insurance contract can expand insurance paid when the insured die and pay the medical expenses in the event of the insured accident treatment. This insurance can be deployed insurers combined with accident insurance within the same insurance contract

This insurance shall only be paid when the insured is indicated for the treatment (inpatient and outpatient or). An insurer will not pay if only incurred medical expenses that are not treated. In many countries around the world as well as in Vietnam today, besides health insurance system by implementing social security, health insurance can be done by commercial insurers normally ( Business variety of different insurance operations) or commercial insurers professional (just business health insurance)

The health insurance business is primarily done business:

Insurance subsidized hospitalization and surgery

Support hospitalization insurance

Insurance support surgery

Insurance support medical expenses

Insurance dangerous diseases

HEALTH INSURANCE

Health insurance program is a combination of insurers and institutions, relevant units (medical facilities, banks, institutions, way enterprises ...) the purpose of paying the cost medical examination. In many countries, this policy was implemented to supplement health insurance

The scope of insurance coverage is relatively flexible, including:

Payment of medical expenses, laboratory, ultrasound, x films (x-rays and CT scans ..) to diagnose, ... regular and irregular; counseling services, emergency assistance, ... in the country and internationally. This is the minimum range of insurance

Payment of the cost of emergency treatment, surgery, hospitalization, medicines, medical devices support ... in case of illness; treatment of maternity care. The current insurance contracts that combine to ensure this.In addition, many insurers also offer guarantees flexibility: Outpatient treatment due to illness or disease;medical expenses due to accident; death, disability, illness or disease; death / permanent disability due to accident; emergency medical transportation, maternity and dental care; a loss of income subsidy

When the insured, the insured is free to selected health facilities for medical treatment. The insured does not have to pay for health care facilities in the system of direct payments that insurers will be paid on the basis of confirmation of the insured (or via credit card insurer issued to the insured. If the insured medical facility at their request (outside the system of health care facilities of the insurance), an insurer will refund pay the costs invoiced cost medical care at health facilities covered by the option

Typically, the insurer associated with the prestigious clinics and high quality, fast and simple procedure . so the assured confidence and satisfaction with the quality of service. Therefore, the premium for this insurance is often high and the risk assessment is quite complex. Therefore, insurance companies often sign contracts with business groups, organizations, units and families (to ensure a minimum number of members).

Physical Damage Insurance of Motor Vehicles

04:47
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INSURANCE AND MATERIAL DAMAGE OF MOTOR VEHICLE

Physical damage insurance of motor vehicles (hull insurance) insurance object is itself a motor vehicle in traffic, including vehicles hull and machinery and equipment on motor vehicles.

For insurance, motor vehicle to ensure the technical conditions and legal for circulation as: The vehicle owner must be sovereign authority granted registration, sea control, certification safety and environmental engineering,

Motorized vehicles are composed of many components and machinery parts such as: engine, hull parts, tires, windshield, gearbox. Therefore, the insurer has put the types of insurance such as whole car insurance, insurance for a part or several parts of the car (broken business insurance, hull insurance car).

The costs are reasonable and necessary to prevent, limit losses incurred more, protect and repair the car arrived and loss adjustment expenses incurred when an accident within the insurance business will be compensation insurance for insurance buyers.

The risk of physical harm yourself car insurers are liable to pay:

The risks associated with the operation of vehicles: collision, subversive.
The extraordinary risks: Fire ... etc.
The objective risk of natural origin: Hurricanes, floods, earthquakes, lightning, hail, landslides.
Objective risk of social origin: Loss level, smashed.

An insurer will not insure and is not responsible for compensation for losses and expenses follows:

These losses, costs incurred in the event of violations of law or severity of risk increases: Attempt accident vehicle owners, driving; driving without a license or without a valid; use and driving while under the influence of alcohol, drugs or other substances in the control; no vehicle registration and protection of the environment valid (certificate of technical safety and environment); vehicles carrying flammable or explosive substances illegal; truck tonnage than the number of passengers or regulations; ride on the road that goes night lights; vehicles used to practice driving, racing, testing

These losses, costs incurred due to the risk of taking " political "with widespread consequences: war, terrorism ..

Unless separate agreement, insurers will not be responsible for compensation for losses, costs incurred are not the result of random incidents, objectivity, losses related factors subjective of all vehicles in the management and maintenance of vehicles, such as natural wear and tear, decrease quality, defect or malfunction due to spoilage due to repairs; damaged electrical parts of machinery or equipment, including radio, air conditioning, tires damaged without causing accidents

These provisions exclude other private: The accident occurred outside the territory (except special arrangement); the damage caused by indirect consequences such as reduced commercial value, loss of income due to reduced production stops, discontinue use (exploitation)

Accident Insurance domestic passengers

04:20
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SUBJECTS TO BE INSURED

Subjects covered the lives and health of passengers transported on public transport for state business license to transport passengers.

PARTICIPANTS INSURANCE

Organizations, businesses passenger transport by means such as: auto shift, buses, trains, planes, boats, ships, ferries, cable cars.

Insurance premiums are included in the fare paid and the passenger transport unit shall have separate part from the premium paid for the cost to insurers. The insured or the legal heirs of the insured will receive insurance payments from insurers if passengers are injured or killed by accident in the transport journey.

This includes coverage of the accident:

Accidents caused by collisions, dump car, car fire, flood, lightning, or assault others can damage the kidneys insured, occur:

During the journey began when the insured to transport from place to go and finish the specified location stated in the certificate replacement tickets or tickets

When the vehicle pauses along the way to refuel, to break the insured person or by incidents along the way

The physical damage of the insured person are not the responsibility of insurance

The subjects not covered by the insurance operations include:

Staff Escort parcels, staff units of passenger transport missions on the means of transport that

Drivers, car parts on the transport of passengers.

These exclusions, insurers are not responsible for compensation:

There are intentional acts that violate the rules and regulations of traffic safety and order.

There are actions injure themselves or commit suicide.

Use of alcohol, drugs and other similar substances.

There illness or accident occurs after the insured voluntarily terminated before the journey to the place indicated on the ticket or certificate replacement tickets.

Six Car Insurance Experience Savings

04:11
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When deciding to buy insurance for the car, everyone wants to be resolved quickly and compensated fairly, be modified car in the garage and replaced reputation of genuine spare parts. However, to get these things, learning and consider carefully before signing to buy the type of car insurance is essential. This article, sharing the experience to help you choose the type of insurance in accordance with the value of each car and car insurance best savings.

I. TYPES OF AUTOMOBILE INSURANCE

Professional insurance of motor vehicles is 5 common form of insurance. Car is defined as a motor vehicle should be able to participate in four forms of motor vehicle insurance including compulsory insurance of civil liability of motor vehicle owners (BH required); Insurance and physical damage motor vehicle; Compulsory insurance of civil liability of vehicle owners for freight car; Accident Insurance driver, vehicle and passengers. In particular, civil liability insurance of motor vehicle owners is that all forms of individual or entity owning car insurance required by law to Vietnam, three other types of insurance to voluntarily purchase separate contractual agreement with the insurance company.

II. TYPE SHOULD BUY INSURANCE AUTOMOTIVE voluntary?

1. Select the type of insurance purchased appropriate value car line

You should be based on financial viability, environmental movement, but his often decide the coverage is broad or narrow. Often the majority of car owners, in addition to compulsory insurance will buy voluntary insurance physical damage and car body shell, rarely concerned with the type of voluntary insurance other

Series cars have an average value should buy insurance and submerged hull (A water) ... ..

Luxury car (usually over 1 billion) in addition to insurance and submerged hull (A water) should buy insurance stolen parts

If you choose to buy a new car insurance product has committed compensate completely new car if the total loss occurred (75% or more)

Vehicles have time to use relatively long (over 4 years) should be selected terms replace new parts, genuine and should also accept the higher deductible to lower premiums.

2. The terms of the insurance contract should keep in mind when deciding to buy insurance

The most important part of the insurance terms as "coverage" and "Exclusions", most of the insurance companies that listed specific cases of insured and liability exclusions responsibility, not insurance. "Exclusions" The less that is wider coverage, the insurance even more profitable. Three other provisions should be noted:

Terms of replacement parts, replace entirely new or old parts relatively positive, genuine parts .

Terms of flooding

Terms choose which car repair

Some customers often do not pay close attention to the conditions of the terms such as overdue registration, improper use vehicle registration purposes, when an accident driving without appropriate license, insurance lack of insurance needs ... Therefore, to avoid negligence may cause disadvantage to you later, you need to study carefully the items in the contract and consider expanding coverage.

Many people choose to buy insurance from relatives or acquaintances do the insurance companies, which often does not work when the incident occurred, especially when it was off, remember that you are signing contract with the insurance company, not an individual. Where only heard counselors say without reading, to ascertain the terms of the contract, as well as understand the rules and procedures of insurance. Advice is not so, this will make you pay high fees that the incident did not get the insurance services as desired.

Upon the occurrence of any incident, you should immediately notify the insurance company representatives, officers insurance required to make a record field, absolutely avoid the notices of violation of the rules of insurance

III. HOW TO BUY INSURANCE AUTOMOTIVE save

1. Select a high deductible (deductible)

The level of deductible is the amount that the client share the risk with insurance companies in each case losses. For example, with a deductible of 2 million VND, the customer will pay for loss or damage under 2 million VND. If the loss of 70 million VND, customers still pay 2 million VND and the insurance company will pay the remaining 68 million VND.

Normally in Vietnam, the deductible is 200,000 VND. If you increase one million VND, you can save 24-30% premiums.If you increase the deductible is 5,000,000 VND can save up to 50% premium. When choosing a deductible plan, you have to drive very carefully because most of the scratches on the body will not be compensated. In fact, when customers choose the deductible will tend to drive carefully, safer to save repair costs as well as limiting the claim for losses small. Therefore, it is also a way to save the cost of buying insurance, and enjoy lower premiums continue to contract in the following year

2. Learn more insurance companies, compare the benefits of the product together

Buy insurance for the same car, but if customers learn nine different insurance companies may be received nine different premiums. The reason for this difference related to coverage, level of responsibility, the right choice of garage repair, rescue services free of charge and shall share the cost of the customer when the incident in the forms as depreciation or a deductible.

Besides, the difference in time and claim settlement procedures may also affect premiums, settling compensation than 2-3 days late can cost you more money savings from premiums. You do not rush just looking at the cost to, not necessarily the cheapest cost savings will most need to learn more conscious of issues such as:

Financial capability and reputation of insurers in the market

The procedure for resolving the incident with complex, require many papers ... ..

The level of premium coverage than you really reasonable

Network repair garage (garage genuine special): Place where repair is a very important issue to the insured shall be entitled to choose where the repairs take on contract terms. Should choose the insurance companies have relationships with reputable garaga, responsible dressing was shoddy or non-genuine items being repaired. Garage should be selected in a convenient location for your commute. The level of cooperation between the garage and the insurance company that issues should be noted. You have to work with the insurance company about the procedure records indemnity, if garaga support process applications will help you avoid many times as redundancy procedures

24/24 Rescue Service was, when was the rescue?, Limited distance rescue? .

Staff resolve compensation professional, dedicated ..

Process standardization of compensation for the time frame yet? .

3. Should insurance purchasing group or combination

If you join the family insurance: accident insurance, health insurance .., car insurance. So buy the same insurance company, might get a slight discount. Or, if possible, to participate in the long-term insurance may pay the fee in advance for the next 2 or 3 years to enjoy more preferential rates.

Combined with friends, co nghiep..dang insurance needs, regrouped and buying groups to be more preferential rates.

Buy through insurance brokers or insurance intermediary. Because the broker is usually packed with more customers to buy the same time to negotiate an insurance program with the insurance company with extremely preferential prices.Usually that will help you save 20-30% premium.

4. Keep the car carefully, saving the cost to re-purchase the following times

To encourage customers to protect themselves assets, insurance companies have reduced insurance policy renewals from 10% to 30% if the customer does not have any claim in the previous year. Therefore, careful to preserve the car is not only good for the insurance companies, but also for your own benefit

Some people may think that you have to buy insurance and then let out for the insurance company and very careless driving. This will not only endanger the lives and property of their own and others, but also that they have to pay higher premiums or refuse to renew the contract. If you have many demands in solving the following year compensation premiums may be insurance companies higher adjusted risk ratio for your high than others. If so, I moved through the insurance company's others?. This does not change anything, because you will be asked to declare the registration form to purchase insurance. If you do not report properly to worse for violating the principle of insurance is absolutely honest, the latter claim settlement related to this issue you will absolutely drowning reasons. Be truthful information when declaring insured!