Valuable Assets Insurance is the kind of insurance policy which has a very large scope, because you can use it to cover almost everything you have that you consider having nominal or sentimental value such as jeweleries, paintings, fashion items and even money. Terms and conditions and even the rate in this kind of policy is vary depending on the characteristic of the items you wish to protect and how much you value them (usually it’s very negotiable). And before the policy is issued there will be a survey from the insurance company – sometimes they will come with a curator – to calculate the value of the insurance object and potential risks as well.
Archive for May, 2009
Life Insurance
Posted by admin on May 12th, 2009
Many people got confused between health insurance and life insurance. Life insurance is not covering your health/medical expenses, it only covers risks that causes death or permanent disability of some body parts such as eyes, hands or feet. As for the policy itself this type of insurance is a lot more simple in terms and conditions, but it doesn’t mean that you have to be reckless in studying the policy though.
There could be a bit of problem when you propose a life insurance if you have a risky job or hobby such as acrobatic stuntman, sky diver, racer, rock climber, etc. but it doesn’t mean that you can’t have one, you can go through a negotiation with the company and maybe than you can arrange a special terms and conditions in the insurance policy depending on your capacity.
Health Insurance
Posted by admin on May 7th, 2009
Health Insurance is a very important thing to have, and it could be a reasonable investment for your future’s health plan. Health insurance can cover all or part of a person’s health care bills. Bad things can happen to anybody at anytime, if you get an accident or certain disease that force you to stay in a hospital for a long time, or an expensive surgery, you don’t have to wory about your medical treatment expenses if you have already got a health insurance. The medical expenses cover provided by health insurance includes doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services. (more…)
Property Insurance
Posted by admin on May 2nd, 2009
Property Insurance basically protects properties such as houses, factories, office buildings, schools, etc. one thing about this kind of insurance is that it’s very detail and specific on its protections, this is because properties are usually have extremely high value. The rate determined by how many risk types will be covered, for example earthquake, fire, landslide, volcano eruption, flood, tsunami & storm are risk types, and each of them represents a certain rate, so the more risk types you wish to protect your property from the more expensive the rate will be.
Before the insurance policy is made usually the insurance company will have a visit to your property to make a price taxation, see the condition of the building and also calculating the potential risk that might happen on the location of your property.
