Jasindo Settles Claims to 4985 Workers

05 November 2008

PT. Asuransi Jasa Indonesia confirmed to have paid up IDR 14.9 billion in settlement of 4985 out of 5000 claims already filed by Indonesian migrant workers up to May 2007.

Jasindo Retail Operation Director, Herman Moenir said that his side has complied with the normal procedures in settling claims which usually takes 7 days at the longest provided all the required documents are complete. The remaining claims out of 5000 filed are now being processed. The delay in claims payment is usually due to incomplete documents. To deal with this problem Jasindo has taken a proactive action by approaching the workers to collect their data, Herman explained to the press in Jakarta yesterday. Herman’s statement contradicts the statement made by the Head of BNP2TKI Jumhur Hidayat on the poor performance of Indonesian Migrant Workers Protection Insurance Consortium, due to which the government may consider discontinuing the Consortium’s activities since it hasn’t complied with regulations. According to Jumhur the performances of both Jasindo Consortium and PT. Asuransi Bangun Krida Consortium were so bad that they made it difficult for claims settlement. Additionally, the Consortium didn’t have sales offices/counters in several training centers or workers destination countries. Herman revealed that the delay in claims payment is mainly due to the fact that the workers are unable to provide complete documents. Up to May 2007 the number of workers participating in Jasindo’s workers insurance reached 495,780. Herman declined that Jasindo has no service network. He commented that Jasindo has opened up representative offices that provide insurance service in Bandung, West Java, Banjar Baru, South Kalimantan, and Nunukan, East Kalimantan.

The data provided by the Department of Manpower and Transportation may not be complete. We have got three workers service centers in the above mentioned areas, while the Evaluation Team of the Department stated we have not. As to broker fees, Herman continued to say that his company pays only 40 % of the premium based on the agreement already put in writing.

www.jasindo.co.id @ 13/06/2007

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Accident Insurance

04 November 2008

Accidents don't just happen on the roads. They can crop up in your office, while travelling, attending a function, or even at home while doing everyday household tasks. And when it comes to money, it creates a double impact. On the one hand, the healthcare expenditure rises as you undergo a treatment or an operation. On the other hand, your income is disrupted till you recover. It is here that accident insurance plays the vital role of keeping the forceps from closing on you and your family.

The experts say that for people below 45 years of age, the risk of accident is higher than health problems. Health risks and operating costs mount with age and tend to typically shell out when a person is 45 years or older. They also say that people between 25 and 55 years of age are twice more likely to get disabled than die.

What's on offer? There are two major insurance options to cover the risk from accidents in most countries. First, you can opt for stand-alone personal accident insurance policies sold by general insurance companies. Second, you can also take an accident rider along with a life cover.

PAIP This policy exclusively covers any bodily injuries due to accidents, which are external, violent and visible, as the definition goes. It covers you for four unforeseen events that may arise from an accident: death, permanent total disability, permanent partial disability, and temporary total disability. Like benefits of all insurance policies, buyers need to understand very well how these contingencies are defined in the policy.


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Unsecured Tenant Loans

Monetary Assistance for Tenants Without Collateral:

Being a tenant no longer has to be a disadvantage. There are loans that do not make it compulsory for you to pledge collateral and there are loans that are especially designed for use by tenants. While both options are equally viable options, an unsecured tenant loan makes the offer even better by combining these two features.

Unsecured tenant loan have been made especially for tenants who do not have any assets of their own but the requirement of money may occur for them. So that they do not face any problem in gathering those funds, these loans are made available to them very easily. All types of tenants like council tenants, private tenants, and house association tenants can all take up these loans. Even those non-homeowners who live in their parent’s house can also take up these loans easily for their needs.

The borrowers who are in need of money may have to use it for any purpose. The borrower gets to take up money for his needs in the range of £1000-£25000 easily without pledging any collateral. The borrowers get a term of repayment of 6 months to 10 years to repay the loan amount.

As these borrowers do not pledge any asset with the lender, the money is at a risk of non-repayment. So to cut down the risk of non-repayment, the borrower has to pay a higher rate of interest for these loans. This higher rate however can be reduced with the help of online research and comparison of the loan deals. The borrower can find the best deal of unsecured tenant loan for himself this way through the online mode. Deals are even available for bad credit borrowers who need money but do not have any collateral to pledge.

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Bad Credit Payday Loans: No Worry Anymore

Certain loans are being found in the loan market which aims at lessening the pain of the borrowers to a great extent. After getting these loans you will not have to keep things pending and no need to wait till your payday will arise. In fact, almost all kind of monthly arising financial problems can be handled through it. Not only that these are being made available for the bad credit holders as well. Hence, as these work as a substitute for the payday of the borrowers these are known as the bad credit payday loans.

There is no credit check and therefore, it is very obvious for the bad credit holders to enjoy taking it up. No borrower with poor credit score will have to get worried. County Court Judgments, late payment, arrears, skipping of installments, defaults and bankruptcy are certain poor credit records that are always allowed in it.

£100 to £1500 is the loan amount that is being offered by these loans and after getting it you have to repay it within 14 to 31 days. For being timely in the repayment you can adjust the repayment date with your payday and then things will become easier for you. The payable amount will be automatically paid off to the lender on your payday and that will happen from your bank account.

A person is generally considered to be eligible to withdraw these loans only when he is of or above 18 years of age and earns a minimum £1,000 per month. In addition to that, it is necessary for the borrowers to have a personal bank account.

After all these the borrower will be able to withdraw the bad credit payday loans. The loan amount will help in managing lot many things like medical bill, electricity bill, child’s examination fees, loan installments or in paying home installments.

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Big Money and Fast Loans

03 November 2008

Even in the current climate they're everywhere - loans that you can get with little, or no, collateral. I get them in my inbox every day, and I use them, too! How do I make money from them? I'll tell you, just read on:

Look for one of the many loan offers that have probably gone straight into your spam bin, and apply. These tend to be short term loans, but that doesn't matter at all as we intend to make money very quickly and pay them back in a matter of days!

The approval requirements will be easy to meet - usually a pay slip and a bank account - and in a few hours, you'll have your chose amount in the bank, ready to make money!

Using your new capital, buy a car, a motorbike, or something that you know you can clean or repair and make more money. Do the necessary work, sell the car for a profit - as high as you can - and pay off the loan. You now owe nothing, and you have as much capital to play with as you started with!

Now the fun starts, for all you have to do is buy and sell, each time making more from the sale than you paid for the item. The money is yours, the loan is gone, and if you plan your purchases and sales carefully, you can start making very big money very quickly, all thanks to that initial loan that you needed for just a few days.
If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read about Martin Thomas in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.

Quickest-way-to-make-money-on-earth.com Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.

Article Source: http://EzineArticles.com/?expert=Jamie_Hunter

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Loans For People With Bad Credit Tips

Being a 'bad risk' means that any finance company that does arrange a poor credit loan will charge extra for this in the form of up front fees and a higher interest rate. Before this course of action is taken, research all the possible companies that can supply a loan like this and compare their charges and conditions to see how much it will all cost in the end.

If you are unsure how to go about this the best option is to use a web site that features comparisons of companies that supply loans or credit cards to people with poor credit ratings. A comparison site can save you the problem of making multiple credit applications in a short space of time which will just further damage the credit score you are trying to improve. A common problem which does not help the situation is when a loan applicant finds a better loan and cancels an existing application in favor of it.

One of the best ways to rebuild the credit rating and loans for people with bad credit is the use of a credit card as transactions and payments are reported frequently to agencies that monitor and help rebuild credit scores. Before you make an application check how high the interest rates are amongst the credit card issuers and if they require any form of security. Some credit card companies will only supply a credit card to people on a high income level, watch out for this before you apply so if you do not qualify, do not waste your time. Often these cards will increase your credit limit if you are making payments on time but do not increase this if you do not have to as it will just put added pressure on the situation.

Some people prefer to apply for a home loan but will not always qualify so they have to use a bad credit mortgage lender to help improve their credit score. When considering a mortgage, remember that you must factor in many things and not just a particular interest rate as there may be other charges on an annual basis as well as any penalties that can be incurred. However, it is helpful to know that it is possible to secure a home loan even when your credit is less than desirable and likewise, to secure an auto loan with poor credit. If you are experiencing serious financial problems, arrange a meeting with a debt management counselor who may be able to give you more information and discuss the merits of a consolidation loan.
find more interesting tips and excellent free resources in http://hubpages.com/hub/loans-for-people-with-bad-credit

Article Source: http://EzineArticles.com/?expert=George_Sandler

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About Loan

02 November 2008

A loan is a type of debt. This article focuses exclusively on monetary loans, although, in practice, any material object might be lent. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

The borrower initially does receive an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A loan is of the annuity type if the amount paid periodically (for paying off and interest together) is fixed.

A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding. Bank loans and credit are one way to increase the money supply.

Legally, a loan is a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money.
sumber wikipedia.

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Indonesia Medical Insurance News

01 November 2008

Indonesia is a developing nation which, despite the large gains made in the economy, still has some major concerns in terms of the social services that are provided to Indonesian citizens. In major cities, such as Jakarta , healthcare services are readily available, and usually of an extremely high standard, however, this is not true everywhere in the country. The Indonesian healthcare system is complex and hugely varied, and on first glance, seems to be a mess. Since 1968 access to healthcare services around the country has improved, and most Indonesians are able to receive some form of care or treatment in the event of an emergency. In truth however, this care is often lacking in the quality and depth of the treatment options, and most medical facilities outside of major tourist destinations and urban centers will not be able to afford patients with comprehensive care. 

Healthcare in Indonesia is provided, and funded, through a number of channels; Public, Private, Individual payment, Social security, and external/overseas funding. Traditionally, the system closely mirrored the conventional Dutch style of healthcare provision, a more minimalist approach than is familiar to many European cultures. As Indonesia attempted to revitalize its image during the 1970's and 1980's, the country failed to modernize the way in which it provided healthcare to its citizens, one of the reasons that until 1990 the average Indonesian life expectancy was only 52.75 years. Life expectancy has gone up, and even though there has been dramatic improvement in this area, it does not reflect the inequality in the Indonesian healthcare system. 

One of the major problems with healthcare in Indonesia is that poor or rural citizens simply aren't able to obtain the healthcare that they need. A lack of government funding, coupled with a need for the medical facilities to realize a profit, no matter how slight, means that lower class Indonesians are unable to afford the cost of treatment. This is not to say that healthcare in Indonesia is expensive

sumber pacificprime.com

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