Insurance companies are now very much increase over dibutuhkannnya health cover is very useful. There are many insurance companies that come from outside the country and abroad. Actually both companies from foreign and domestic the most important is the credibility of which is owned by the company. As Commlife which continue to add child branches in Indonesia has become one of the companies that thrive in Indonesia and has good credibility.

Offers will be undertaken by Commlife not only health insurance because it is also no investment savings offers even in this Australian company combines health insurance and future savings so that customers benefit a lot.
The name of the program Commlife is Investra link a new breakthrough of Commlife. Check soon for more information about this on the official website Commlife.

Other insurers are equally provide advantages and benefits of each to its customers. You just choose the best one of several companies.

the cost of living is now higher, making a lot of people to choose insurance at a young age. Surely this will be good for, because usually choose exactly insurance at a young age. Choosing a health insurance for example, is right at a young age to apply for this insurance, because it is very useful for savings in the future of course.



Choosing health insurance is certainly not only at a young age, there are some tips you need to consider before choosing and buying this insurance, namely:

Choose Health Insurance When Still Healthy Choosing health insurance is a good idea at the time was physically and mentally healthy, this is because the insurance company will refuse insurance application that you submitted when you're sick. Because as we all know, insurance is something that might be harmful or beneficial to the customers.

Choose One Policy for Joint those of you who want to choose a health insurance plan, there is no harm
to propose a policy option with the family. Because for those who already have a pair, of course, health insurance is very important for children, wife, or parent. The advantage if you buy a policy cheaper than if you bought each one policy for the family. Well, the right choice is to choose a unit-linked insurance products which usually can one policy to be together.

Choose Yanga Insurance Claim Could Double Asking never hurts to be on guard when choosing insurance, because usually most people will buy or receive two insurance as well. Usually health insurers do not want to receive a receipt without legalisisr hospital, and it is this which makes your claim is threatened. Now this may not be the case if the insurance you choose receive double claim. Before already bought, it is better if you ask this directly to the insurer.

The point prior to purchase health insurance, you should be aware of insurance that you will purchase. Because usually, a lot of customers who do not understand too clear about the insurance he had bought. Hope it is useful

Participate in view of the age of the insured is not necessary, the young and the elderly are strongly encouraged to be aware of the insured. Moreover insurance has benefits that are very useful for survival in the future.

Insurance benefits are very real, as described in the Law of the Republic of Indonesia Number 2 on Insurance is an agreement between two or more parties, with which the insurer to bind itself to the insured, to receive insurance premium, to provide reimbursement to the insured for loss, damage, or loss of expected profit, or legal liability to third parties that may be suffered by the insured, arising from an uncertain events, or to provide a payment based on death or life of an insured person.


Life insurance products in the insurance company would have benefited very much for you who have been thinking about survival in the future, because life insurance has a good life assurance purposes in the future when you are old or young. Well, this is an advantage over you'll feel later for survival with the family later.
Life insurance has a primary purpose as income replacement worker if there is something wrong diingikan, such as death, accident, or disabled and unable to perform work activities and dependents will be given to the heirs who have been listed in the policy agreement before you sign an agreement to buy life insurance products. Well, by selecting the appropriate insurance JIW this course for those who have a family, but it does not preclude that you are still young.

For those of you who are young selecting a life insurance can also follow the additional insurance that has keuntangan more. Suppose by selecting the unit-linked products or choosing a health insurance product. Well, this life insurance as a savings you can make in the future when trying to foster home later. Is very useful and can be used as an investment you not?
Well, already prepared to benefit more in choosing the right life insurance product for your life?

Many safe option so we can prepare a bright future with your loved ones. Some choose to save or even prepare to participate in the insured. Of course, you know what the difference between saving and insurance. The fundamental difference is, saving money in the bank we can take money anytime if only participate in this type of regular savings. Meanwhile, insurance means we choose one of the insurance products that guarantee our lives, and that can be availed in accordance with the initial agreement.



Indonesia is a population that is less aware of the importance of insurance, this is due to their assumption of insurance is very bad. Many think, insured only provide benefits for insurers alone. In fact, if confirmed and followed the policy of insurance provides benefits that are very useful for the future of the family of course.
Typically, many parents start thinking about the education of children and began to turn to participate in insurance. Well, if you are confused to choose which insurance education that will be addressed is a good idea to follow a few tips on choosing the education insurance following:

Set the first major education funding and how much time would you perlukan.Ini useful to determine the effectiveness of education, followed insurance and the insurance policy.
Make sure you always set aside the payment of insurance premiums education. Select your costs can reach well and always appropriate to pay each month. Start with a small amount each month, because the dasarnmya you can raise the sum insured and premiums in the future if you've increased capabilities. Or as a rule of convenience, the premium you pay should not exceed 10% of your income each month.

If you are interested to send the baby out of the country, it is better to choose a policy in nominal dollars or euros, or can also come with a policy that can change its currency. So even if you start with the rupiah, still can turn into dollars or euros if you change the orientation of the child study abroad.

Stay alert if you are offered additional insured under the policy coverage. Usually, insurers offer extras such as health insurance. If, in your opinion is not important then it should not be taken as to join the addition of course will affect the amount of your savings.

Education of children, becoming one of dependents shall be met parents. So it is better if you prepare it since he was still in the womb. Given the cost of education is increasingly expensive, of course, you as a prospective parent should be smarter to choose the appropriate means to prepare for the baby's future is well planned and better ensure its future bright future.

Planning can make happen by way of participating insured investment, since many advantages that you will get through this insurance. Such as ensuring a better future child, guaranteeing old age later, to ensure the health of you and your family better. Well, of course advantageous not to participate in the investment insurance.

Insurance plan the investment to support the best education for the baby is the right and effective way to ensure his future later. Moreover, investment insurance is one of the most important ways to reduce poverty and inequality child's future education. Please note, that the cost of daily life to raise a child until he becomes a useful person is something that expensive. For that you as a parent should prepare carefully about the child's future education rights.

Many agree, that participate in the investment insurance to be one of the child's education savings that would have a high profit. As already described, investing will ensure the baby's life later that he would become a useful person. As is known, the investment insurance to prepare children's education requires parents to pay insurance installments education with the amount and time specified and agreed upon. Well, this investment will benefit all of the baby will be entering a new education level, ie entering elementary school (SD), High School (SMP), High School (SMA), to enter the world of Higher Education (PT).

Of course, with careful planning, investment insurance to ensure the baby's life will go well. Well, to choose the right investment insurance, it helps if you have been looking for information on which insurance companies the right to choose. So, did you determine the right company to ensure the future of the baby?

If you have to ask it necessary that the name of insurance? The answer then yes. Whether it is insurance that has come from where, with what system, the fact that insurance is very important. Insurance intent here has had health insurance and also the soul. But what about the best link units?
Insurance is a guarantee to bear the losses resulting from an event or as well as unfortunate. The death of someone who sometimes do not just leave, but also of sadness but will usually leave financial problems.

And when one has died at the age that is still productive and productive and has left two children who are still in school age. if in this case there is life insurance or commonly called the insurance for the deceased, then the issue will be resolved at least thanks to the sum insured.



Similarly, if someone has been sick and had to be hospitalized with a fairly long period of time with a variety of therapies that have been costly, if the patient does not have an insurance of course it can be a difficulty in itself, and in the end will inevitably be drained deposits . This insurance will therefore can say is important. Due to an illness sometimes will come with unexpectedly and can cut your family's financial plan.
Insurance itself has quite a variety of stuff, no insurance with office management, and can be of the worker, and may from InHealth, and also self-insurance are also included in the unit-linked insurance best. All insurers have had advantages and disadvantages and each.

Is the unit-linked insurance?
Unit linked insurance is an insurance system with two main units, namely the protection unit and investment units. The second unit has a separate, but but on condition that certain investment powers, then the cost of the protection unit will be covered from a unit of investment. Investment unit will run on stock trading activity, as well as bonds and other securities.

Is the Link Unit is also important?
Important or not in a system unit link depends on the conditions of your personal needs. But basically in addition to the primary needs, every man has need to be a wide range of collateral. One assurance that insurance is generally required, but but not only that. You may also need a guarantee your son or daughter can be to achieve a decent education, old age you are quite comfortable and quiet.

In order to ensure you have the readiness funds to be able to realize your expectations, then the investment is one of the answers. However, but the investment is not a matter as simple as saving money in the bank. Saving investment is requiring an analysis, and observation and as well as understanding. Without those three things earlier rather than you will only get a result of the development of investment, you actually lose your future this fund.

In fact all three phases is also not an easy matter to you to learn in a short time. Sometimes the learning process will be require short time. The advantages of this unit is the best link of this system has provided a means for ordinary customers to be able to run the investment and you will only need to sit back, and while for the analyzer, and as well as market analysts and observers of this link unit that will run on your investment The.

We know that recently our beloved country hit by natural disasters everywhere be it floods, landslides, earthquakes, volcanic eruptions and even as recently happened that Kelud. We know that it is the will of God to test its inhabitants to always put my trust and be patient in the exam. We also have to prepare ourselves because we do not know what will happen tomorrow or the day after.

Currently hospital costs also increased sharply, and of course it will backfire when someone requires hospitalization costs when he was sick that requires for in-patient at the hospital. To combat and prevent this, we could be a member of either insurance or other insurance health insurance.

With so someone can have the funds for a solution to be a member of one of the Indonesian insurance will get a free cost of hospitalization. This is where the importance of health insurance is required, even in Japan number of insurers increased to 200 percent, and of course they do it to avoid things that are not desirable in the future.

However we do not want anything bad to happen to us and we must maintain and be aware of what is going to happen to us in the future. Disaster can strike at any time, and it can not be guessed by anyone May we always be in the shadow of one almighty God.

Health is something that is expensive has become top priority for many people so that more and more people began to maintain their health later realized to have the best considering the cost of health insurance is not cheap and heavy to pay if we do not take into account early.

Moreover, to maintain the health of the baby are still toddlers insurance certainly is the right solution to address the need for health care for the baby who is still vulnerable to health problems.

 In this case take a few tips so you can choose the right insurance for your child into consideration before you purchase this type of insurance for toddlers.

Understand about infant health insurance is insurance that is providing facilities and services to support the health needs of the baby such as vaccinations, outpatient or inpatient.

The name of the companies entered into an important part to consider because a large company can be a benchmark of professionalism in processing incoming claims.
Get information about what kind of disease ditangggung by the insurance company and also know about the class care if children had to be hospitalized VIP class or even third class that will be obtained.

Check kelenggapan health insurance that guarantees vaccination, outpatient and inpatient.
Facilities are more choices for the health of your toddler will you get when you have information about hospitals that partner with the insurance company would you choose

Customize with your financial capabilities.

Similarly, insurance article as tips on choosing insurance for your toddler may help when a toddler in sickness.

Education is one of the important things you must want to be enjoyed by everyone, ranging from kindergarten, elementary, junior high, high school, and even to university. Enjoy a good education has become one desires certainly want to be perceived by the children who act as learners. It is also the desire of parents to meet the needs of the formal education of their children.

But not all parents are able to meet the educational needs of their children with a good education facilities and comfortable. Moreover, if we realize that the current cost of education is increasingly rising and arguably no longer affordable to the community in Indonesia, especially the standard of living the majority of middle-kebawah.Mengingat it, then there's nothing wrong every parent now begin preparing a special savings for education their children in the form of Insurance Education.

Very clear insurance can help for parents who can not manage their finances. So that later when the children grow up and get an education, parents also can provide the best for her baby. so no need to worry about their children's education to studying at university.

Hopefully this article can be useful insurance education and help provide an understanding of how important insurance for the future education of Indonesian children.

ALL RISK insurance that guarantee against loss and or damage to motor vehicles and or interest insured that are directly caused by accidents, evil deeds of others, theft, fire, lightning and others that

In accordance with Standard Motor Vehicle Insurance Policy issued by the Indonesian Indonesian Insurance Council

1. Loss or damage to the motor vehicle and or interest insured directly caused by:

1.1. collision or impact, including upside down, slip, fall;
1.2. evil deeds;
1.3. theft, including theft preceded or accompanied or followed by violence or threat of violence as referred to in Article 362, subsection 363 (3), (4), (5) and Article 365 Code of Criminal Law;

1.4. fires, including:

1.4.1. fire caused by fire or other objects adjacent storage of motor vehicles;
1.4.2. fire caused by lightning strikes;
1.4.3. damage due to water and or other tools that are used to prevent or extinguish fires;
1.4.4. dimusnahkannya whole or in part in motor vehicles on the orders of the authorities in efforts to prevent the fire spreading.
2. Loss or damage caused by the above events and accidental conveyance by any cause during the vehicle and transported by ferry crossings or other instrument under the supervision of the Directorate General of Land, for the purpose of crossing.

3. Reasonable Costs incurred by the insured, in case of loss or damage due to risks guaranteed, for the preservation, transport or withdrawal to the garage or somewhere else in order to avoid or mitigate loss or damage, shall not exceed 0.5% (half percent) of the insured vehicle.
By paying an additional premium, can be extended to other such guarantees;

a. Responsibilities of the Parties to 3 (Third Party Liability)

This expansion guarantee reimburse the Insured for:

1. Legal liability for any loss suffered by the insured third party which is outside the vehicle, which are directly caused by a motor vehicle as a result of the guaranteed risk policy, both of which resolved through consultation, arbitration or through the courts, both of which received prior approval first of Insurers, include:

1.1. Damage to property;
2.2. Bodily injury and or death.

2. The court fees or costs of the expert assistance related to legal liability insured who first approved by the Insurer in writing. Insurers responsibility for these charges, as high as 10% of the limit of liability insurance coverage (TJH) to third parties listed in the Schedule.

b. Natural disasters, earthquakes, volcanic eruptions, hurricanes, storms, tsunamis, hail, flood, inundation, landslides or other meteorological or geological phenomena;
c. Riots, strikes, blockades work, brawl, melee, the generation of people, the takeover of power, revolution, insurrection, military power, invasion, civil war, wars and hostilities, rebellion, terrorism, sabotage, looting.
Hope It Is Useful

Parents Prepare Early Education Insurance - Children are everything to every parent. So no wonder the attention of every parent would be centered on their children, ranging from the process of pregnancy, birth, growth, to adults and to ensure the future of the child, is not uncommon for people tuapun begin preparing for their insurance products. For example, starting from his early childhood, after finishing with exclusive breastfeeding until 6 months old baby, the baby's parents will accustom them to start giving food support. Surely that would be required to support food is best. Babies need quite a lot of foods that have a high nutrient content for growth.

Healthy meals for baby food should be natural, are foods that are free of harmful preservatives, dyes, flavorings, spices and artificial instant. It also is one of the efforts to make the children have health and good growth, so that the child would become a smart and useful. In addition, to support health, not forgetting the cleanliness must be instilled from an early age.

Completing all of them, early education in the family is the most important thing that children can someday become a good person, either for themselves or for others. Well, to support an education, in addition to early education in the family, the child is also very necessary to get a formal education in place that would be useful for the development of their mental and socializing with friends. To support the baby's education in order to always be able to enjoy a good education, it is now not uncommon parents have set up education insurance. Because they realize a lot of unexpected things that are likely to interfere with the education financing beloved children.

Insurance is one form of risk control is done by way of transfer / transfer of risk from one party to the other party in this case is an insurance company.

What is the sense of Insurance?

According to article 246 Commercial code "Insurance is an agreement by which one is binding to an insured, to receive a premium, for reimbursement to him for damage to or loss of expected benefits that might be experienced as an event that is not necessarily" .
Understanding the other insurance is a transfer of risk from the first party to the other party. In the transfer is controlled by the rules of law and the enactment of the principles and teachings universally adopted by the first party and the other party.
The economics of insurance means a fundraiser that can be used to cover or provide compensation to those who suffered losses.

What are the benefits of insurance?

Besides, as a form of risk control (financially), insurers also have a variety of benefits which are classified into: the main function, secondary functions and additional functions.
The primary function of insurance is risk transfer, fundraising and balanced premium. Insurance secondary function is to stimulate business growth, prevent loss, damage control, and social benefits as savings. While insurance is an additional function as investment funds and invisible earnings.

What are the Risks?

Definition of 'risk' insurance is "uncertainty about the occurrence of an event that can cause economic loss".

Any forms that risk?

Forms of risk include pure risk, speculative risk, particular risks and risk fundamentals.
Pure risk is the risk that as a result there are only two kinds: a loss or break even, for example, theft, accident or fire.
Speculative risk is the risk that as a result there are three kinds: loss, profit or break even, for example gambling. Particular risk is the risk that comes from individuals and local impacts, for example, a plane crash, car crash and the ship ran aground.
While the fundamental risk is the risk that is not derived from the individual and the impact area, for example, hurricanes, earthquakes and floods.