As a form of improved services for the public, the Social Security Agency (BPJS) Health broadest open space for participants to gain more benefits (especially in the case of non-medical benefits) through the coordination of benefits schemes or coordination of benefits (COB) with private insurance companies. Besides stipulated in Article 28 of Presidential Decree No. 111 of 2013, the COB scheme is expected to improve services for students who can afford to pay more. COB principle BPJS Health are coordinating benefits imposed if participants BPJS buy additional health insurance from Health Insurance Program Operator or other Guarantee Agency in cooperation with the Health BPJS.

Health BPJS will guarantee the appropriate fee rates applicable to the National Health Insurance program (JKN), while the difference wil ... Read more »

The health system in Australia is very different from the health system in Indonesia. To help you who are pondering a move to Australia or have lived in Australia, or want to know about the health system in Australia, Tito Ambyo met three people who are experienced in the field of health to figure out the best ways to access health services such as doctors or hospitals in the country.

Michal Morris is the manager at the research center Centre for Culture, Ethnicity, and Health in Australia. While Hok Lim and Ozge Tanrikut are following graduate programs in the health field.

Here are their tips if you want to use the health system in Australia. You can listen to their suggestions in English audio. If you have any questions, please write the questions below this page!

Cigna (NYSE: CI), a global health care company devoted to helping improve the health, well-being and sense of security, providing a series of start of treatment, plans and integrated health services and health programs that have been proven and well-being. Is one of the largest health care company in the US market and is headquartered in Bloomfield, Connecticut, Cigna also operates internationally in 30 countries, and has approximately 75 million customers around the world are served by approximately 35,000 employees.

As the embodiment of Cigna Corporation's commitment to expand its business in Indonesia, PT Asuransi Cigna, a provider of life insurance, accident and health was established in 1990.

Currently PT Asuransi Cigna has grown and developed into a leading ... Read more »

Health insurance is one of the types of insurance products that specifically guarantees the maintenance cost of health care or insurance clients is if they have health problems or accidents. Broadly speaking there are two types of treatments are offered by insurance companies, namely outpatient and inpatient.

Outpatient

Outpatient insurance covers the cost of a doctor, diagnosis / lab, and medicine. 

The costs incurred are usually determined by the 

maximum limit for each component per visit / per year and a maximum frequency 

of visits in one year. Restrictions can also be enforc ... Read more »

Health insurance is a type of insurance product that specifically guarantee health care or treatment of the members of such insurance if they fall ill or have an accident. Broadly speaking there are two types of treatments offered by insurance companies, namely hospitalization (in-patient treatment) and ambulatory (out-patient treatment).

Health insurance products held either by social insurance companies, life insurance companies, and also a general insurance company.

In Indonesia, PT Askes Indonesia is one of the social insurance company that organizes health insurance to its members who mainly serve both civil servants and non-civil. Their children are also guaranteed until the age of 21 years. The retiree and his wife nor the husband is also guaranteed for life.

Public Liability Insurance is a response to the risk of damages, lost benefits and legal liability to third parties arising from uncertain events. This guarantee are short term (short term) - usually one year. While life insurance provides services in penanggulan risks associated with the life or death of an insured person and the nature of long-term (long term).

In accordance with the provisions of Law No.2 / 1992 regarding the insurance undertakings, each field of Insurance is managed by a different company, although for some products, such as health insurance and personal accident insurance can be managed by either the insurance company or the soul.
 

Besides protection and guarantees, insurance also offers a variety of benefits, among others, to get useful ... Read more »

Service

The service is the extent to which the mirror-quality human resources in the company or not. In addition, insurance companies are selling 

services, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. Moreover, the matter of service can actually be felt by the customer. Is this the insurance company actually the best service for its customers?

Cost / Price

Issue price is how much of the costs incurred by insurance companies in operation. If greater than the cost of income, then obviously the company is not efficient. If not efficient, it will end up losing money. And if the losses continue, certainly not healthy. In 

... Read more »

Life insurance is the insurance that aims to bear against unexpected financial losses caused by the death of his life too fast or too long. Here illustrated that in life insurance, the risks faced are:

• The risk of death
• Someone living too long

It is, of course, will bring a lot of aspects, if the risks inherent in a person is not insured with a life insurance company. For example the guarantee to offspring, if a father died prematurely or with a sudden, the child will not be neglected in her life.

It could also happen to a person who has reached the age ketuaannya and not being able to earn a living or finance their children, then buy life insurance, the risks that may be suffered in term ... Read more »

If the cost-effective car insurance is something that you strive to go compare car insurance with the help of free online tools available. Most of these tools require only your answers to a simple questionnaire. If you give an honest assessment of what you are looking site is sure to come up with a number of insurance quotes from which you can choose one that fits into your budget. You can even take the help of recommendations from friends and family members with it. However, reliance on this alternative can deprive you of the many benefits that may be obtained by comparison of online or phone call to the agent of the insurance company of your choice. This does not mean that a company that offers the best deal possible to one of your friends or relatives can do the same for you. However, you can collect all available information and use it as ... Read more »

Insurance is a guarantee that the company undertakes to provide guaranteed compensation for loss, damage, death, disease in return 

pay a certain premium. Each state has a life insurance policy; at each state provides policies that can guarantee the vehicle in the 

event of damage due to fire, or accident, in the case of theft, and so on. A car insurance companies offer protection to passengers and cars and help keep it protected on the road.

Primary coverage plan

The main coverage is comprehensive, including plans. damage caused by an accident or a fire, if the car is stolen, personal acciden ... Read more »