How to claim an insurance

Here's how to make the claim and some examples for your reference .

1 - Online Claims ( Bills and Allowances )

Services Hospital Alliance Services ( HAS ), an onlince claim directly from the hospital to insurance agent and you do not have to pay in advance but it will only be effective in the months of 4 starting from the date of the policy ( the date on the medical card ) . This is means that the client must pay in medical bills and charges in the first 3 months of the date of the policy , whether hospitalized in panel hospital or not. Then , all medical reports, bills and receipts must be submitted for reimbursement purposes. However , if the client is hospitalized due to an accident, HSA can be used directly without waiting for 3 months. If the claim using online services ( HAS) , you have to show your medical card to the hospital staff so that they can manage for admission. If there are any problems , you should call your agent immediately. The wise way is you are advised to inform the agent that you are admitted to the hospital. This is to allow your agent is always in a state of readiness in the event of any problems when entering or leaving the hospital.

2 - Claim reimbursement (pay first, then claim )

If you go to a hospital that is not hospital panel , you can also claim the hospital bills. However, all bills must be resolved first , and then you claim to insurance company. Please notify your agent , to enable your agent to provide a medical report form to be completed by the doctor who treated the claim for medical bills.

3 - Claim Hospital Benefit / Allowance Allowance & Surgical ICU without claim bills ( bills claim from the employer or insurance company )

If your employer provides medical coverage for you , you may be eligible to claim all the allowances ( allowance Hospital , ICU Allowance , Allowance Surgical, MC allowance due to an accident ).
You just need the medical report from the doctor who treated you and a copy of the medical bills for the purpose of verifying the number of days and hours you are detained in hospital. This copy is important because if you to detained for 2 days and 6 hours or more , you are eligible for an allowance based on a 3-day hospital .

4 - Accident Claims ( Medical / MC )

In the event of a minor accident and you only get treatment at the clinic , billing charges can be claimed from insurance company. The documents required are original bills and receipts as well as a few reports from the treating doctor says that the medical charges are due to accidents. Insurance company will reimburse claims.

5 - Normal Death Claim (Natural Death)

For death claim , if it is not caused by an accident, the policy holder dies does not necessarily require an autopsy . This is because the doctor a complete report can be used as a reference on the cause of death and related matters . If death occurs , beneficiaries must inform the insurance agent about things that happen . Next, the agent will manage in the preparation of documents and so on. Therefore, it is very important for every policy holder , you are advised to tell a sibling or relatives and friends that you have protection from, and in the event of death , they can inform either the agent or insurance company.

6 - Accidental Death Claim ( Accidental Death )

The same order as above . However , in the case of an accident, usually the police will direct the hospital to make a post-mortem to ensure that accidents are not caused policyholders in the influence of alcohol or some criminal elements and so on.

7 - Period Claims

Claim period depends on the type of claim and the documents required to make a claim . If all the documents claim is complete, usually within 3 or 4 weeks will be able to check out the company. However, it depends on the specific cases . For example , hospital allowance usually faster than claims by death, critical illness or compensation .

Financial Planning

Everyone needs a financial plan whether it is a big plan or small plan , whether involves a lot of cash or a little cash. The important thing is that to spend wisely because of it can be used for some purposes in the future.

Here is the purpose of why we need financial planning :

1. For emergency purposes : we never know if there is something happens beyond our expectations in the future , for example, broken cars , children getting sick , lost phone and so forth . If we do not have some money for this purpose, we have to get it from close people like friends and family.

2. For education purposes : most of us want to pursue the education to a higher level. Due to education fees getting high from time to time, we have to plan our financial to support the education. Furthermore, children's education in the future is also very important

3.For wedding purposes : Now if you want to get married , it's like if you do not have to a few thousands dollar be too difficult, so plan early .

3. To get a children : there is so much expenditure required , for example diapers , milk , medical bills and much more.

4. To buy things that we love : for example we want to buy a cell phone. There is many ways that we can get it, for example , credit card, by installments or cash basis. But to get cash in the meantime for majority of the people are so hard because a lot of other expenses should be prioritized.

5. For medical purposes : Since insurance is very vital nowadays, this is very important to plan especially now the medical cost has increased from time to time.

6. For the purpose of retirement.

8 Ideas to Make Money on the Internet

The 21st century saw how rapidly the invention of computers and the development of the information technology industry . Since the beginning of creation , the computer has changed at all , whether in terms of design, capacity , size and price . Due to intense competition , many computer companies struggled to make better designs from time to time in order to meet the demands of many people around the world .

When everyone can afford to own a computer , the demand for a variety of improved information technology infrastructure . This results in the provision of facilities such as broadband and internet becomes more available at a cost that is not too taxing those who use it .

Next , these developments have resulted in many open opportunities for users to know the party to take this opportunity to profit whether the small amount up to hundreds or even thousands of dollars .

Various ways have been done by many people to make money through the internet. Here are some suggestions to get you started fairly easy service and make money !

Services for blog

Most people who know how to use a computer and surf the internet to know is certainly not peculiar to the word blog . Many are able to make the blog as a place to express their works such as writing experience and uploading interesting pictures which at first things were done only for A Fun alone . However , over time there was a lot of information and internet millionaire mentors from abroad to give ideas to bloggers to grab the opportunity and make money on their blogs .

But there are some users who only know what the blog but not knowledgeable about their favorite apper can follow in the footsteps of those who succeed and make money from blogging. If we see , in a blog ( for example : www.blogspot.com ) there are many components that are placed to attract the attention of people who surf the internet come to visit their blogs .

Here's your chance to make your blog a skilled hand to offer a service to those who are not skilled . How about you can advertise your services are ? First of all you can place your ads on your own blog . Place the sample blog already completed up to so potential customers can choose according to their suitability . You have to remember, your potential customers are not adept at making a blog, so the language you use to advertise your service must be in a language easily understood. Simple Steps should be given so that when they already have a blog as a result of your service , they are also adept at managing the blog from time to time .

You can set up different pay packages according to the contents or level of difficulty to make the blog.

writing service

You have a computer ? You can also subscribe to internet services ? You are interested in writing and have creative ideas ? You have free time and you do not want to make money by working outside or at the store on time employer ? If you answered "Yes " to these questions , then you can start to write a book or article service to make money income . You do not have to go out of the house for this work . Advertise your service only on the website , ie the publication of books and magazines. Various materials can you prepare such as recipe books , fiction books or articles and so on . Many publishing companies in and outside the country at this time prepared to accept the results of your work only through the internet and publishing process does not take too long as time ago in the absence of computers and the internet.

Free ad delivery service

If you frequently surf the net and enjoyed those forums available on the internet , you may be able to start to do the ad delivery service to those who do not have the time to manage advertising for their business . This is a service such as advertising agencies to offer but you will do it on-line. Fee structure can be packaged so that you will receive income every time customers buy products advertised by you .

translation Services

Translation work can be started if your mastery of the language is good. You should have the skill to master at least two languages ​​so you can offer work to translate from the source language to the target language .

How about the internet can help you to make money with translation work ? Some of the suggested procedure is to advertise your services through your website. Internet will help you find customers . When a customer agrees to the charges that you wear, all the translation process from submission of documents to be translated can be done via the internet , through email or can be sent by mail. Similarly, the process of returning the completed documents translated. Payment can also be done via the internet as well as through the website for customers who have a bank account in the country.

Sell ​​service instance document ( template ) as a legal document

You are an expert in a particular field ? For example, the field of law . At the present time the country's economic development , many transactions involving trade and commerce between many parties. Many legal documents are produced every day to ensure that transactions involving money not be wasted . A legal document signed to safeguard the rights and interests of the parties involved .

Examples of legal documents that you can sell and needed a lot of people are documents home or office rental agreement between the tenant and the owner of the home or office . Some owners do not want to use the services of a lawyer to make your home or office lease agreement because of the costs incurred will be a burden . Some owners did not have much time to meet with a lawyer for the purpose. Therefore, if you are able to offer a service that matches the needs of the owner , you are the party that will get some benefit in these transactions ! Due to the sale document made over the internet , the prices charged should not be high . But you have to take care of all the provisions of the Copyright Act and other , so you sell the document nor the subject of piracy.

typing service

This type of service can be done by many people because of the age of information technology , everyone is sure to have typing skills . You'll also wonder and feel like impossible to make money by typing service since many people already skilled typing . Time is the main factor that causes a group of skilled typing but do not have much time to do it. Examples of this group are students, especially those who take classes at night or on the weekends or outside of working hours. They are busy with their daily work often requires the services of another person to complete the training or course work for the classes they take.

How to advertise your service is quite simple . Firstly, you can display the ads on bulletin boards at universities and colleges , whether near or far from you . Location of your customers do not become a burden factor because you can send your work that has been completed through the internet only. You can also advertise your typing service on your website or forum you can follow on-line. Guide is that you should choose the forum with service type you wish to advertise. When you create your ad , you need to think about what information you need to park so that potential customers are interested in and wish to subscribe to . One drawback is that you must overcome to lack or may lack verbal communication when you offer a typing service over the internet . However, this problem can be overcome by placing your ad in the form of creative video and if you can also make two-way video ads .

Services include paper

Did you know that your application for a loan from the bank also depends on the quality and presentation of a paper ? When you complete your paper and have the information by the bank or lender, the chances of your application to pass higher.

Sayings not know had you applied apt in this situation. One side certainly did not want to release the money to a stranger . To know more about a company , the papers should highlight the advantages you provide available to the company. You can definitely do this with good service and effective if you have experience working in a bank or financial institution .

Services make research paper or thesis

This service is suitable if you have a little knowledge on how to do research either manually or research materials via the internet. You need to know how to differentiate the information sought actually have the integrity or otherwise . A research or thesis must be produced by making quality referrals . Information should not be taken from a personal blog or a website that can not be trusted. You must also remember to always take care of other author's rights as set out in the Copyright Act .