Why did you choose the insurance company?
Some time ago a colleague of mine handed me an insurance policy that had he taken
"Sir I've take the insurance, I choose insurance to suit my needs , life insurance plus investment. But whether the insurance company is good sir? "
I also answer questions by asking:
"What you basically choose this company? what you ask the seller? "
"Well I bought by chance that the selling is my neighbor pack, so if something happens I can complain to him," replied the client without guilt.
Maybe my client is not entirely wrong. But to say that it is 100% right is still very far away. His decided to purchase through the seller (his neighbor) good enough. But should the client also must know whether the neighbor's insurance company employees or just an agent? if the client was merely an agent, we recommend that my clients should be to find out who the most easy management of insurance companies that could she please call. Because usually an agent does not have an attachment as strong as an employee. This means that even though they are part of the company, most of their work is only related to the sale alone. So for an administrative nature, fixed office management authorities. Not to mention the status of several agents who are not permanent employees, and this means they can just come out or move more easily. So the client should also make contact with the management of insurance.
Ok, we will not discuss about the work or the marketing agent. But deeper than that, how do we choose an insurance company? if only based on who the agent who sells? Or what you should compare at each insurance company if the bid offered by more than one insurance company?
1. Reinsurance
Reinsurance can easily be interpreted as his insurance company insurance company. This means that an insurance company in its operational activities; to reduce the risk that can happen to him, also insure these risks to other insurance companies. And usually a larger company. So consider this, ask if your insurance company will take a reinsurance company. This is important if there is something undesirable to the insurance company of your choice, there are other companies that had reinsurance company that ensures good continuity of protection that your rights and obligations of your premium payment. It's also important you have to know the management company so if something happens, you can still get information.
2. Age
"The old age should be more mature person."
Although it seemed too cliche, but it must be admitted insurance company berpengaruh.A Insurance company older than the other companies could mean that the insurance company has a strong enough capital so that up to a fairly high age still exist. It also describes how to manage the fund management clients. With older age, may mean that the company is able to manage these funds optimally. Whether it's to get results for the development of risk management companies and measured to ensure the rights of its customers. Because the logic alone, where perhaps he can survive long if they can not manage finances well.
3. Finance
When talking about corporate finance, is not complete if you do not talk about finances. In banking we have been very common with bank health measures such thing as CAR. And in the financial soundness of insurance used to be measured with RBC or Risk Based Capital. RBC levels that could be considered healthy it is when RBC greater than 120%. But of course, the bigger the better definitely. Compare this in choosing an insurance company because RBC is a portrait of how the company manage its finances as good and as safe as possible. Because it must be remembered, if we take the insurance then we will talk about long-term contracts.
4. Customer
The fourth thing that can be used as the reference is to the customer. How many customer base that they still have? Its size is more and more customers the better was the insurance company. Why is that? because of the increasing number of customers will show how the level of service that has made the company. This could mean how concern for customers, ease of claims and of course security funds entrusted.
If you would prefer foreign insurance companies operating in Indonesia, also asked how many local customers who owned and spread over a number of cities. This is important because it could happen even outside of their country into confidence, but in Indonesia they are lacking. And the spread also shows how the extent of the level of service they provide. Level of deployment is especially important for you to choose the health insurance. Because it's not funny when on the way to a city and you get sick, it must return to the city home to more than hospitalization.
5. Complaints / Grievances
In addition, maybe you can do this. Do always cross check to outside parties to the plan of your choice. The main parties should you contact the customer if possible, a third party to bridge such as a bank or hospital if it is health insurance, and did not rule it's good of you to ask your independent financial planner. For more great is to receive input from many sides rather than from one side, especially if one side only of the company.
Or if you want easy, just look at how many complaints that their customers do in the mass media in the last 6 months. Because usually the number of people who complain, about 20% is usually expressed in the mass media either newspapers or the Internet. Today I was typing the keyword insurance + complaints, so that I get is more than 5000 articles that contain the word insurance + complaints from consumers against their insurance company. So do not be lazy to compare.
Finally, just as the selection of goods or other services, should have a strong foundation in making a choice. The main one is indeed always choose the product that suits your needs. But that was not enough. Choose also the right company that provides goods or services. Although the good stuff is not good but the providers are also useless. So from now on no longer choose an insurance company just because the seller knows to much less because they feel uncomfortable because they do not buy. Minimal compare the 5 things above as reasons to choose or reject it. Source; http://www.perencanakeuangan.com; Kontan Tabloid April 2008 Edition
No comments:
Post a Comment