1. Mobil memang sudah anti bocor~
2. Karena sandal ini banyak yang punya.
3. Helm full body.
4. Supaya tidak terjatuh.
5. Biar melindungi kepala dari benturan apa dari sengatan matahari nih?
There are many insurance plans available to offer coverage for various sorts of damage or accidents. All families should have at least one of these three.
Types of Homeowners Policies
Homeowner’s insurance falls under one of six categories. HO-1 and HO-2, as they are more commonly known, cover only the property against specifically listed damage. These policies vary as to what damage is covered, and neither protects belongings located on the property. HO-2 forms offer more coverage than an HO-1.
HO-3 protects against all types of damage, not just specifically listed damage. It also protects a select list of belongings located within the structure from specific damage.
HO-4 and HO-6 cover only belongings. Renters use these policies as the landlord or management company holds coverage on the dwelling. As with HO-1 and HO-2, HO-6 offers greater protection than HO-4 and is more expensive.
HO-5 is similar to HO-3 in that it covers the property as well as personal belongings. The difference is that HO-5 covers all belongings, not just a set few. It is also more costly than some of the others, but it is worth it.
Types of Medical Options
Medical is another common form of insurance, and as with homeowners, there are different kinds for you or your employer to choose.
Health Maintenance Organization, or HMO, is one of the most used types. This plan allows you to choose from a network of providers, and it also includes preventative care. However, you must be referred by your primary care physician in order to see a specialist. There is also a small copay you must pay at each appointment.
The Preferred Provider Organization, or PPO, also has a network of doctors available. Unlike an HMO, you do not have to choose a primary care provider. You can see any physician, or even a specialist, as long as he is in network. Also, you do not have to have a referral to change doctors. As with other plans, each visit requires a copay.
Exclusive Provider Organization, or EPO, works very similar to HMOs and PPOs. These cost less and have a network of providers available. However, unlike a PPO, where an out of network doctor visit is covered up to a point, there is no out of network coverage for these plans.
The Point of Service Plan, or POS, is a hybrid between an HMO and PPO. POS requires a primary care provider assignment, but you can see out-of-network doctors if you are willing to pay a higher copay.
Different Auto Coverage
Auto insurance is also widely used. Depending on your loan terms and state requirements, some options may be unavailable to you.
Liability plans cover damage and medical bills in the event the accident was deemed your fault. It only covers the damage done to the other person’s property as well as any of their medical bills. Most states require this as minimal coverage. It is also the most inexpensive option available.
Collision coverage will pay for repairs to your vehicle in the event of an accident. This type of insurance is worth having, in addition to liability coverage, even if you have an older vehicle that has no lien. In the event that your vehicle is totaled, your plan covers the value of your car. This policy is required for those with lienholders.
Comprehensive coverage covers anything unrelated to an accident like if your vehicle is stolen or you hit a deer. For most lienholders, this is a requirement.
Uninsured motorist is something that everyone should consider. While most states require at least liability coverage, some drivers don’t keep the plans much past getting their license or tags. This policy protects you in case someone else causes damage and doesn’t have a plan in place to pay for repairs.
Of late I have been attending a lot of spiritual programs. The core emphasis of these discourses is that this life is temporary and at anytime we may have to leave this abode. So while we are living we must prepare and channelize are actions to deserve a glorious death. Most of these discourses encourage a habit to simplify life and plan ahead. These teachings inculcate in us the habit of being more responsible person. After attending these seminars I feel that life is a celebration and should be lived that way. Pure celebration comes with discipline and sense control. One can celebrate life by eliminating or churning out worries from our lives. Worries can be eliminated by acceptance of the inevitable and counteracting the avoidable stressful situations of life.
Insurance is such a tool devised to thwart the financial impact of any such contingencies or stressful situations in life. People who are winners in life are always understood to be as good planners. They foresee the future and formulate action plans accordingly. Since I am attending these programs I am trying to bring lots of positive changes in my life. I am trying to take as much control of my life as possible. In these discourses I also learnt that our own attitude towards the problem defines the magnitude of that problem.
Now I would like to be less preachy here. Among the many things that I am trying to change in my life in recent times is calculating what all and how much insurance policies I must have to ensure maximum protection of me and family, of course keeping in mind my budget. In my search I found that the top two essential insurance policies that a family holder must have is term insurance and family health insurance.
Here in this article I would emphasis more on term plan as unlike health insurance plans many people have ambiguity about it. A term insurance policy basically aims at replacing the income of the earning person of the family. In the event of death of the breadwinner of the family the impact is double edged. Apart from the fact that the family is emotionally shattered a huge financial burden also befalls their shoulders. In most cases the family members have to lessen their standard of living. The adolescents may have to start work earlier and may have to sacrifice on higher studies. But if the person had taken term insurance plan and he/she dies in that stipulated term the nominees of the policyholder get a pre agreed amount called the sum assured at the time of death. This sum assured is generally twenty times the current annual income of the policy proposer (the bracket may change according to age and health condition). With attractive tax benefits under section 80 C and 10(10)D of the Income Tax Act,1961 these term plans also come with various useful features depending upon insurer companies.
Thus, I would advise you all to compare first before just buying. It is always favorable to get more and more number of quotes from different companies to get the best deal. Don’t just go for the companies you hear of from friends or whose advertisement you see most on TV. To get a fair and unbiased comparison you may take help of various specialized insurance comparison portals available online. According to studies, people have saved significantly when they have purchased insurance plans after comparing on these portals or service provider websites.
What Is Ocean Marine Insurance?
It is a type of transit insurance which protects goods and merchandise that are being transported by vessels over foreign or domestic water. It also involves coverages for damages sustained by the vessels during shipments.
Depending upon the insured entity or companies requirements, ocean marine insurance can undergo the form of a number of distinct contracts. The insurance policy promises protection against all sorts of risks.
Coverages by Ocean Marine Insurance
This type of insurance policy provides protection against a wide array of damages that may occur during the course of shipment. These may encompass perils of the nautical journey such as:
1. Collision with icebergs or another vessel
2. High waves
4. Ship hull failure
It also encompasses damages or harm caused by jettison, pirates, and barratry which is a fraudulent breach by the ship’s owner that includes embezzling the cargo, deserting or stealing the ship.
Some of the most popular coverages included in ocean marine insurance policies are:
Cargo Insurance Coverages
This type of insurance compensates the shipper of the merchandise/goods if damages have been sustained. The cargo can be insured in any one of the two following ways that depends on the particular insurance requirements of the shippers:
1. A single shipment only
2. Automatic coverage for each and every shipment
Freight Insurance Coverages
This type of coverage backs up the owner of the ship financially that is carrying the goods in case of any misfortunate event when the cargo and merchandise is either harmed or lost.
Protection & Indemnity Insurance Coverages
This type of insurance is for the protection of the owner of the ship. It protects the vessel’s owner against any legal binding or liability which may arise because of physical body injuries or damages to the properties belonging to others.
Hull Insurance Coverages
This type of coverage is somewhat similar to the coverage policies of auto insurance in case of a collision. Anything that has the potential to cause damage to the vessel or the ship is protected through this insurance policy. If you are deciding to purchase this policy, then it is important to note that you may have to pay for certain deductibles in case of the event of covered losses.
The hull insurance coverage also has a unique feature called the collision liability coverage which provides liability coverage to the owner of the ship or the vessel in any event when it causes harm to any other vessel or the cargo being transported by that ship. The only drawback is that this provision does not account for any liability that causes bodily harm to others.