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Choosing an insurance company can be challenging. With so many companies claiming to be the best, it's important to be cautious and make an informed decision. Since allocating funds for insurance products can be significant, it's crucial to choose a reliable company to avoid potential losses.
A good insurance company cannot be solely judged by the number of advertisements circulating. Potential customers need to analyze and assess before entrusting their money to an insurance company.
Before choosing the best insurance company, make sure the company meets the following criteria:
While a newly established company may not necessarily be bad, selecting a company that has been operating for decades can help analyze its track record and reputation. This minimizes the risk of losses.
A credible company will have a good reputation. Collect information from newspapers or digital media about how the company handles customer claims. Don't hesitate to ask friends who have already used the insurance services for their feedback.
Risk-Based Capital (RBC) or solvency ratio indicates the financial health of an insurance company. The higher the RBC ratio, the healthier the company's financial condition. The RBC ratio should be at least 120 percent.
This information is crucial for potential customers to assess whether the company is capable of fulfilling payment or claim commitments when needed. To find out, you can check the financial statements in newspapers or on the company's official website.
Each insurance company offers varying premium prices. However, higher premium prices do not necessarily guarantee the quality of the insurance program. A good company offers affordable and quality premiums.
In this regard, you can compare similar products from two or three different companies. Remember to understand your needs before making a decision.
A reputable insurance company should have a wide network of quality healthcare providers. The more partners they have, the easier it is for customers to access the necessary services. This is crucial, especially when customers require prompt medical attention.
For vehicle insurance, having a network of affiliated repair shops is also important. This provides peace of mind while traveling. If an unwanted incident occurs on the road, customers have multiple options for repair shops.
Ensure that you purchase insurance products from a company registered with the Financial Services Authority (OJK) and deal with licensed sales agents or consultants. Also, take the time to study the terms and conditions of the insurance policy and ask questions if there is anything confusing.
By considering these tips and conducting thorough research, you can select a reliable insurance company that meets your needs and provides peace of mind.
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It is with deep sorrow that we announce the passing of
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