Majority of Americans Reject Law on Health Care

A poll suggests most Americans oppose the reform of the health insurance law proposal of President Barack Obama, despite their strong support of most of the articles of the law. Reuters-Ipsos poll was conducted last week.

The Supreme Court is expected to announce his decision on a challenge to the initiative of the president's health insurance proposal Thursday.

Core of the Patient Protection Act and Affordable Care, the so-called "Obamacare" by its critics lies in the individual mandate. Mandate that requires every American has health insurance, starting in 2014, or could be fined.

Reuters poll showed 61 percent of Americans oppose the mandate, while 39 percent support it. The opponents of the prevailing health insurance program now says the government can not require people to buy insurance and believe the government will intervene in the decisions of individual doctors and treatments.

The survey says support for other aspects of Obama's health care program is quite strong.

- 82 percent of respondents supported a ban on insurance companies refuse to insure people who had been suffering from certain diseases;

- 61 percent support the provisions that allow children to remain as dependents in their parents' insurance until age 26;

- 72 percent support the provision that requires companies with more than 50 employees to provide insurance for their employees.

Mitt Romney, Republican presidential nominee, has promised to overturn the law that if she beat Obama in the upcoming November election. Romney called for a bipartisan effort to fix what is wrong in law that the American health insurance.

President Obama, who said he was imitating the reform was based on a health insurance plan endorsed Romney when he was governor of the state of Massachusetts, defended the legalization of medical insurance reform it.

source : http://www.voaindonesia.com

Enaknya Dagang Asuransi

Akhir-akhir ini, banyak orang yang jengkel menghadapi perilaku para sales perusahaan asuransi. Terutama yang melakukan penawaran melalui telemarketing.
Selain bernada memaksa, para sales itu kerap menawarkan iming-iming berupa asuransi gratis. Padahal, jika dibandingan dengan harga produk yang ditawarkan, nilai dari gimmick itu tidak seberapa.
Contohnya seperti yang dilakukan sales sebuah perusahaan asuransi asing yang bekerjasama dengan satu bank terkemuka di Jakarta. Sang penjaja menawarkan sebuah produk unitlink seraya menyebutkan bahwa calon nasabah akan mendapatkan asuransi jiwa gratis senilai Rp50 juta, yang berlaku selama sebulan.
Perilaku serupa (menjanjikan bonus asuransi gratis) juga dilakukan agen penjual kendaraan bermotor, properti dan produk tabungan bank. “Ini sudah tidak benar,” kata Isa Rachmatawarta, Kepala Biro Perasuransian Bapepam-LK. Sebab, cara ini telah melanggar definisi asuransi seperti yang diatur di dalam undang-undang.
Dalam undang-undang disebutkan bahwa asuransi merupakan perjanjian dua pihak, antara nasabah dan perusahaan. Nasabah mempunyai kewajiban membayar premi, sementara perusahaan asuransi menjanjikan sejumlah santunan apabila terjadi peristiwa tertentu.
“Jadi, yang kami inginkan adalah agar asuransi tidak dianggap sebagai barang mahal. Tapi juga bukan produk gratisan,” kata Isa. Itu sebabnya, dalam waktu dekat ini, Bapepam-LK akan menurunkan kebijakan yang melarang promosi dengan menawarkan asuransi gratis.
Pantas, memang, kalau perusahaan asuransi berlomba memburu nasabah sebanyak-banyaknya. Sebab, setiap tahun, bisnis ini selalu mengalami peningkatan yang signifikan dengan laba yang sangat menggiurkan. Perusahaan asuransi umum, contohnya, tahun lalu berhasil mendulang premi bruto hingga Rp34,3 triliun atau naik 19,5% dibanding pendapatan tahun sebelumnya.
Yang menarik, dari pemasukkan sebesar itu, di tahun yang sama perusahaan hanya membayar klaim sebesar 16,1%. Bisnis asuransi jiwa sangat cerah. Tahun lalu, juga perusahaan-perusahaan yang ada di bisnis ini berhasil mengumpulkan premi kotor Rp94,4 triliun atau naik 24,28%.

Asuransi menawarkan bunga dan hadiah

Apa yang Anda perlukan dari sebuah produk asuransi? Jawaban yang muncul pasti bermacam-macam, tergantung orangnya. Tapi, sesuai khittah-nya, asuransi tentu untuk melindungi nasabah.
Hal inilah yang menyebabkan seorang calon nasabah yang enggan disebutkan namanya ragu menerima rayuan agen asuransi. Calon nasabah ini bercerita tengah dirayu agen asuransi membeli produk proteksi plus investasi. Yakni Wal Invest, keluaran PT Wanaartha Adisarana Life Insurance (WanaArtha Life).
Ia menyebutkan bila ia membayar premi Rp 300 juta untuk tenor sebulan atau minimal Rp 100 juta (3 bulan-12 bulan) ia bisa mendapat hasil investasi lebih besar dari bunga deposito. Tenor sebulan, hasil investasi 5,5% dari premi, tiga bulan 7,75%, 6 bulan 8,25%, dan 12 bulan 8,75%.
Setelah tenor asuransi habis dan nasabah tak mengajukan klaim, premi akan kembali seluruhnya. Jika saat masa pertanggungan terjadi klaim, yakni nasabah meninggal karena kecelakaan, ahli waris akan mendapatkan maksimal Rp 2 miliar. "Agen ini juga menawarkan hadiah uang tunai Rp 4,5 juta bila menaruh dana Rp 500 juta untuk tenor minimal setahun, lalu Rp 9 juta bila premi Rp 1 miliar," kata dia.
Eddy KA Berutu, Chief Executive Officer WanaArtha Life, mengakui, produknya bisa memberikan imbal hasil investasi lebih besar dibandingkan deposito. Sayang, ia enggan menyebutkan portofolio investasi Wal Invest.
Namun, ia menegaskan, tenor Wal Invest setahun- 5 tahun, tak ada yang bulanan. "Hadiah uang tunai juga tidak ada," tegas Eddy. Menurutnya, hadiah adalah tindakan penyelewengan agen. Itu melanggar kontrak kerja dan kode etik perusahaannya. "Kami akan menelusuri dan menindaknya," ujar Eddy.
Isa Rachmatarwata, Kepala Biro Perasuransian Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) mengatakan, selain asuransi unitlink, ada produk asuransi jiwa yang menawarkan hasil investasi. Produk ini tak melanggar aturan. Namun ia janji memeriksa informasi ini, terutama soal hadiah itu
Produk asuransi jiwa dengan tawaran imbal hasil memang bertebaran di pasar. Antara lain seperti JS Saving Plan dan JS Plan Dollar dari Jiwasraya. Manulife Indonesia dengan Manulife Investa dan banyak lagi.
Meski begitu, investor harus tetap waspada. Apalagi, ada kasus gagal bayar produk asuransi plus investasi. Salah satunya Bakrie Life yang merugikan ratusan nasabah dengan nilai investasi Rp 300 miliar. Hingga kini, nasabah belum dapat pengembalian dana.

source : kontan.co.id

Bapepam-LK Akan Menertibkan Iklan Asuransi Gratis

Hati-hati bagi para pelaku bisnis asuransi yang getol beriklan memberikan asuransi gratis bagi nasabah mereka. Regulator industri perasuransian di Tanah Air mulai gerah dengan iklan tersebut lantaran menyalahi definisi asuransi dalam undang-undang perasuransian.

Kini, Biro Perasuransian Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) mengkaji beleid soal iklan asuransi gratis, agar masyarakat tidak salah persepsi. Isa Rachmatarwata, Kepala Biro Perasuransian Bapepam-LK, menegaskan bahwa tidak ada asuransi dengan dalil premi gratis. Sesuai dengan undang-undang, asuransi merupakan perjanjian dari kedua belah pihak. Pihak pertama membayar premi, lalu pihak lain menjanjikan santunan apabila terjadi peristiwa tertentu.

Hal ini berarti, ada kesepakatan pembayaran antara kedua belah pihak. Namun, belakangan ini banyak yang mengklaim memberikan asuransi secara gratis pada pembelian produk tertentu. Hal ini antara lain produk tabungan di beberapa bank, penjualan kendaraan bermotor, properti, hingga produk investasi seperti reksadana, yang menjanjikan asuransi kesehatan hingga jiwa secara gratis kepada para nasabah yang membeli.

Isa menegaskan, tidak melarang pemberian asuransi kepada pembeli produk tertentu itu. Masalahnya adalah bahasa iklan agar pengungkapannya lebih baik. "Regulasinya sedang kami siapkan," kata Isa, akhir pekan lalu.

Bapepam-LK khawatir, bila iklan-iklan tersebut tidak ditertibkan, bisa menimbulkan salah persepsi di masyarakat. "Kita ingin asuransi dipahami bukan selalu produk mahal, tapi tidak juga ingin orang mendapatkan secara gratis," ungkapnya.

Untuk menyusun regulasi, regulator juga akan mengundang asosiasi asuransi dalam waktu dekat ini. Hal ini demi mendapatkan masukan dari pelaku usaha.

Julian Noor, Direktur Eksekutif Asosiasi Asuransi Umum Indonesia (AAUI), mendukung upaya regulator. AAUI sepakat, industri harus mempunyai arahan, sehingga masyarakat tidak salah persepsi tentang suatu produk asuransi. "Paling tidak, ada arahan sehingga iklannya lebih tepat dan tidak menimbulkan kesalahpahaman," terangnya.

sumber : kompas

The benefits of having Life Insurance For Family

The word insurance may already be familiar to you that have worked. Insurance as you all know is a guarantee of safety if unexpected things happen before. In ancient times the insurance is something that is considered a luxury and only intended for certain people only. But now the insurance has started to spread throughout the community.

Many kinds of insurance itself, namely life insurance, health insurance, vehicle insurance, property insurance or home insurance and education. Of the various kinds of insurance above, each type has their usefulness. But the important is an insurance for your family?

There are some people argue that life insurance has the functionality to protect one's income. In the sense that every person who has the income should be required to have insurance even more so if someone has a family.


If you are someone who has had a family means you have dependents you should memilliki insured. Here the insured is living or intended to finance the income your dependents.

If something happens that does not want to you as the backbone of the family, then your family will lose their source of income and lead to financial instability of the family. Different if you have life insurance, the family you left behind still have a source of income of life insurance you have.

Thus the views of the importance of life insurance benefits are so wise you should consider life insurance to take care of your family and yourself. Permi insurance payments each month should also be considered.

If you have a considerable number of dependents, the payment of insurance premiums to be slightly larger to provide for your family. Calculation of premiums at least you negotiate with, at least you consider to provide for the family to have a spine replacement. For example, until the oldest child and an adult you can support his wife and her sister, or until your wife coined the work can be a source of family income in case that does not want to yourself.

How the Future of Private Health Insurance After BPJS?

On January 1, 2014, Social Security Administering Agency (BPJS) is expected to be operational. BPJS This will ensure all Indonesian people can access basic health services. In BPJS, all previous public health insurance programs will merge into one, including Askes, Jamkesmas, Social Security and Jampersal.

Government of Indonesia plans to require all residents to participate BPJS by paying monthly dues. Whose contributions range may be about USD 15000-27000 per month, but has not been determined because it is still awaiting discussion. Because this program is not profit oriented, so if the number of excess or considered objections could still face down again.

For people who already have private insurance, wamenkes urged not to worry because BPJS intended to cover basic health services. People who have private insurance can choose the treatment to other hospitals that are better suited to their financial capabilities.

"People who already have private insurance still have to go BPJS to meet basic health needs. BPJS point is mutual cooperation, a healthy helping the sick, the rich helping the poor and the young helping the old," said Ghufron Mukti Ali, Deputy Minister of Health in a press conference on the implementation of the Ministry of Health BPJS, Friday (11/05/2012).

Wamenkes BPJS plan will work closely with private insurance so that participants BPJS not have to pay 2 times for health insurance. As for people who can not afford for that reason can not be paid for by the government.

In this program, each participant may enroll their family members through dues paid by the participants. The participants will be borne by any treatment, including an expensive operation as the operation of heart failure and chronic renal failure.

But there are also a limited health services such as eyeglasses should not change every 2 years. Types of health services that are not caused by disruption of bodily functions would not be guaranteed. Examples surgery for plastic surgery for cosmetic reasons.

Currently, the government focused on residents who do not have health insurance at all. For example, poor, poor pre and residents who do not have a fixed wage.

"We have guaranteed Jamkesmas 76.4 million. In 2013 we added 10 million more people will be paid by the government budget. Total membership became the focus of the government because our resources are limited," said Wamenkes.

Government focus on Jamkesmas because of poor communities is still less than optimal use. Moreover, the poor are still not aware of new health and see a doctor or health care center when the pain got worse. So no wonder if the cost of hospitalization in patients Jamkesmas greater.

Types of Insurance

New types of insurance or a variety of insurance products currently being circulated in Indonesian society. Various types of insurance in the community began to grow, in risk management, insurance allows the sharing and transfer risk, this is the best way to compensate. Most people do not understand the fundamental differences in the types of insurance, but insurance program to determine the most suitable to the needs, we should see more of the types of insurance.

Life Insurance is a promise written in the insurance policy, which is made by the insurer to the insured, to provide financial compensation if something happens to the insured.

Insurance consists of several products. Each of these types of products have different benefits in order to serve a wide range of customer needs and capabilities.
The following types of insurance under the Life Insurance Association of Indonesia (AAJI) in the official website:

1. Term life insurance (Term)
Characteristic of this lies in the maximum protection with a relatively low premiums. Therefore, this type of product attractive to prospective insured who have large insurance needs, but its purchasing power is limited.

Who fits with this policy?
• Prospective policyholders who want to protect the future of their children.
• Prospective policyholders new career.

2. Life insurance (Whole Life)
Characteristic of this insurance is a basic type of permanent life insurance provides lifetime insurance protection.

Who fits with this product?
• Prospective policyholders who want to have a soul as well as protection produce a savings fund that can be used for emergency needs.
• Prospective policyholders who need permanent income protection (hospital bill).
• Prospective policyholders who want to get some capital growth investment.

3. Endowment life insurance (Endowment)
Characteristic of this insurance is a protection that gives the amount of money insured when the insured dies within a specified period, and provide the entire sum assured if he was still alive at the end of the coverage.

Because it provides two benefits, insurance, endowment or a unit is called a link. This product is useful for prospective policyholders who want to be protected from the financial impact due to premature death.

Who fits with this product?
• Prospective policyholders who need the funds for the education of children.
• Prospective policyholders who want to have some funds for future needs.
• Prospective policyholders who want to have a pension fund.

Endowment insurance is divided into two types, namely:

a). Unit Linked Life Insurance Single (Single Premium)

Characteristic of Unit Link Insurance Single (Single Premium) is the premium paid in a lump sum or lump sum. Usually a single premium desired by prospective policyholders who want to invest long term. Who fits with this product?
• Prospective policyholders who like to invest long-term
• Prospective policyholders who have excess money (idle money) and intends to increase his wealth.

b). Regular Unit Linked Life Insurance (Regular Premium)

Characteristic of Unit Link Insurance Regular (Regular Premium) is also a long-term investment, where in the policy set the method of payment, which is done periodically or regularly. Purchased the unit so the premium is received.

Who fits this product:
• Prospective policyholders who prefer to play in the protection
• Prospective policyholders who like to play in investment but still want to be protected
• Prospective policyholders who are still working and want to set up savings.

That is a summary of information on the types of insurance or a variety of insurance products. I hope you choose the right insurance product suits your needs and your financial capabilities.