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- Earthquakes - while certainly more common in states like California, earthquakes can happen (albeit with low probabilities) nearly everywhere on earth.
- Floods - typically the result of abnormal rainfall, flooding can be the result of localized storms or hurricanes. As is the case with earthquakes, floods resulting from hurricanes are more common in the Gulf Coast states and North Carolina.
- Windstorms - again, a windstorm can range from a localized burst of wind to more organized storms such as tornados. Windstorms and tornados occur with a greater frequency in a stretch of the United States known as Tornado Alley which stretches through the states of Texas, Oklahoma, Kansas, Nebraska and South Dakota.
- Volcanic Eruptions - the least common of disasters, volcanic eruptions encompasses lahar (wet rock flow), lava flows, and pyroclastic flows (a high-speed flow of hot, dry, gas and rocks).
- Landslides - typically the result of rainfall, volcanic eruptions, avalanches, earthquakes or other events triggering large land movements.
- Fire - in the context of naturally occurring disasters, the typical even might be a forest fire / wildfire resulting from lightning strikes.
Insurance exists because risk exists. There is a possibility that anyone could become a victim of fire, theft, auto accidents, other injury accidents, illness, severe weather, lawsuits and more. We are subject to risk at home, at work, in our cars, traveling, in the hospital or anywhere at any time.
Insurance has been around in some form since traders first began to travel over water to trade their goods. There is documented evidence that Chinese and Babylonian traders began to protect themselves against risk as far back as the 3rd century BC. Traders realized that if they spread their goods among multiple vessels, rather than putting all of their cargo on one vessel, they had a better chance of avoiding complete loss.
Willing umbrella before it rains. That phrase is appropriate to have careful planning in anticipation of the worst possibilities, including in terms of health financing. In an age which is totally complex, have health insurance seems more important considering the cost of care and treatment of disease is getting more expensive and unpredictable.
However, choosing the right insurance also is equally important so that you are not harmed in the future. Well, here is a brief exposures within the rubric of Dr. Samsuridjal Djauzi health consultation that was published Kompas, Sunday (22 / 6).Dr. Samsuridjal revealed his views about what to consider before selecting a health insurance:
Question:
My in-laws 61-year-old traffic accident and need to undergo brain surgery. Thankfully the operation went well and he is healthy again. Only, he was forced to deplete savings he collected for years because of hospital expenses reached USD 20 million. I can not imagine if he had no savings, how the difficulties to be faced. I just got married a year ago. Although our new family, we are planning a health insurance clients. We feel that today's health care costs increasingly expensive and those costs can not be predicted. We have insured cars, because it rightly, we also entered the health insurance. Is not health is a precious blessing of God that need to be maintained at all times?
It's long enough that we plan and health insurance we have contacted several companies. However, we still have difficulties in choosing health insurance. We're being cautious because we're afraid the wrong choice. In terms of our funds have clearances. My wife and I worked so has the spaciousness of funds to pay insurance premiums.
We are especially careful after hearing many complaints an insurance participants were disappointed with health insurance services in Indonesia. Some acquaintances we even chose to go on the consideration of foreign health insurance is more reliable and more extensive coverage of its services. Apparently health insurance services in Indonesia dubious. What was promised was not in accordance with the services provided.
He said, at the time described the officers insurance policy offers all easy. If enough customers get sick just thinking about his illness and the insurance company that will clean up all the costs. In practice, many exceptions that must be considered.
As a doctor who often serve patients who have health insurance, whether the doctor can recommend a good health insurance company? What should be considered before choosing a health insurance? Doctor's advice we needed because my field is finance, while the architect's wife. So, we do not understand the health insurance.Thanks for the explanation of the doctor.
Answer:
Your intentions and wives have very good health insurance. One of the problems in our health services are health care financing. Approximately 70 percent of Indonesian people to fund their own doctor or hospital costs, while health costs continue to rise.Increasingly sophisticated medical technology increasingly expensive health care costs.
Increased health costs not only happen in Indonesia, but throughout the world. Factors that increase the cost is the price of medicines, medical equipment, as well as physician fees, physician fees although the actual element is just a small part of overall health costs.
Although we have been maintaining good health with caution, the disease can occur without warning. Traffic accidents such as experienced in law, for example, an occurrence that is common to families in Indonesia, even approximately 30,000 people die each year because of traffic accidents. So, it is very wise to familiarize yourself Indonesian families protect themselves with health insurance.
By regularly pay a premium, if fallen ill with the assistance of health insurance so that no incriminating family expenditure. We often see families who have to pay fees owed to the hospital.
Actually, in my experience, today's health insurance in Indonesia has been quite good. Support health insurance will depend on agreements between customers and insurance companies. The greater the premium paid more complete support for insurance.
Therefore, you need to look at the support of health insurance coverage before choosing health insurance. Does coverage include outpatient services and hospitalization? Is there a particular disease that is not secured by insurance companies?
Also worth noting where the service. Are you able to choose doctors or hospitals you want or are limited to a designated hospital? All must be considered, including when the effective guarantee applies. For example, there are certain health insurance just beginning guarantee after 30 days after signing the agreement.
Health insurance services are now very diverse. In addition to offering financing guarantees when ill, there is a combine with certain services, such as the premium paid in part will be treated as savings or investment.
Obviously this offer attractive, but usually offered insurance premiums will also be larger. In addition, they are actually participating in the younger age insurance program would get some ease, for example, unnecessary medical examinations and also to remember insurance premiums will increase with increasing age of the customer. So, get health insurance at a young age.
Although you and your family will already be a customer of health insurance, healthy lifestyles should still be carried out. It's certainly a better fit than the costs borne illness despite medical insurance. So, do not leave a healthy lifestyle has become a customer even though health insurance.
I understand the challenges facing Indonesia today's young families. I feel happy to place the health of your family as important elements that need attention. Well, I hope you and your family will be healthy and happy always. (Dr. Samsuridjal Djauzi)
From Wikipedia, the free encyclopediaThird-party vehicle Insurance is a mandatory requirement in Indonesia and each individual car and motorcycle must be insured or the vehicle will not be considered legal. Therefore, a motorist cannot drive the vehicle until it is insured. Third Party vehicle insurance is included through a levy in the vehicle registration fee which is paid to government institution that known as "Samsat". Third-Party Vehicle Insurance is regulated under Act No. 34 Year 1964 Re: Road Traffic Accident Fund and merely covers Bodily injury, and manages by a SOE's named PT. Jasa Raharja (Persero).[5] In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though different states enforce the requirement differently. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.[10] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle. Several states, like California and New Jersey, have enacted "Personal Responsibility Acts" which put further pressure on all drivers to carry liability insurance by preventing uninsured drivers from recovering noneconomic damages (e.g. compensation for "pain and suffering") if they are injured in any way while operating a motor vehicle. Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued. Some states require that insurance be carried in the car at all times, while others do not enforce this law. For example, North Carolina does not specify that you must carry proof of insurance in the vehicle; however, NC does state that you must have that information to trade with another driver in the event of an accident. Whether a state specifies you must have proof of insurance in the car or not, it's always advisable to have the information on hand in case an officer should request it. Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.[11]
School's out – ICBC's top tips for keeping kids safeIn 2009, according to ICBC, there were approximately 55 pedestrians, age 5 to 12, injured in 55 incidents in B.C. This means that most incidents result in a child being injured.Here are ICBC's top tips for drivers and parents:Tips for drivers:No. 1 – It's all mixed up: During the last few days of school, kids may be arriving or leaving school at varying times throughout the day. Remember that when school is in session, a 30-km/h school zone speed limit is in effect between 8 am and 5 pm. During the summer months, school zone speed limits change unless summer school is in session. No. 2 – In the zone: The last week of school is an exciting time for school-aged children, which means that they might be preoccupied and forget the rules of the road. Use extra caution when driving through and around school zones. No. 3 – Kids all around: Drivers aren't used to seeing crowded playgrounds and parks during the day but this all changes as we welcome in summer. Remember that playground speed limits remain in effect year-round. When driving around playgrounds and parks, observe carefully – small children are less predictable and harder to see than adults.No. 4 – Watch for clues: In residential areas, a hockey net or ball can mean that kids are playing nearby. Remember that a child could dash into the street at any moment. Pay attention and always anticipate the unexpected.No. 5 – Back it up: Always watch for children as you're backing up. Before you get into your vehicle, make it a habit to walk around your vehicle to make sure no small kids are behind it. Although they may see you, they most likely don't realize that you don't see them.Tips for parents: No. 1 – Focus on the basics: With all of summer's outdoor activities, it's important that parents remind their children about road safety. Give them a refresher on the safety basics that you learned as a child, which are still relevant today. Here are some key points… Make eye contact: Children must assume that drivers have not seen them whenever they are around roads. Even if the walk signal is on, teach your child to make eye contact with drivers before they cross.Walk, don't run: Make it clear to your kids that it's never safe to run when crossing a road.Stop, look, listen: Before crossing the street, always stop at the curb and make sure all vehicles have stopped. Look left and right for oncoming vehicles. Then lookagain over your shoulders for vehicles that might be turning. Listen for approaching traffic that you can't yet see. Teach your kids to keep looking for approaching vehicles as they cross.No. 2 – Be a role model: Parents are the number one role models for children so make sure you set a perfect example for them. If you are not modelling the behaviour you want your kids to emulate, then don't expect them to be safe around roads. If your child sees you jaywalking, they will think it is okay to do and will do the same thing.No. 3 – Mark out safe areas: Focus on teaching your kids where to position themselves when they are around roads. Children should always walk on the inside edge of a sidewalk so that they're less exposed to traffic. If walking on the sidewalk isn't an option, teach your kids to always walk facing oncoming traffic so they can see approaching vehicles and make eye contact with drivers. No. 4 – Don't jaywalk. The most common road safety error made by kids is not finding a safe place to cross. Teach your child to cross at intersections that have a pedestrian crossing light or a marked crosswalk whenever possible. No. 5 – No shortcuts: When walking with your child, avoid unnecessary shortcuts like walking through a parking lot. Be aware of parked vehicles in a parking lot or on the road. A driver may not see kids between parked cars and kids may not see the cars moving.
It’s all very well knowing how to get cheaper car insurance and how to find the right policy but what if the time comes when you actually need to use your motor insurance. Would you be confident in knowing what steps to take when making a car insurance claim?
