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Terungkap! Kedekatan Gisella Anastasia dan Wijin Cuma Gimmick, Nia Ramadhani Tantang Lakukan ini


Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured. Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party. There are a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them, for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law. Businesses require special types of insurance policies that insure against specific types of risks faced by the particular business. For example, a fast food restaurant needs a policy that covers damage or injury that occurs as a result of cooking with a deep fryer. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives. There are also insurance policies available for very specific needs, such as kidnap and ransom (K&R), medical malpractice, and professional liability insurance, also known as errors and omissions insurance.

Insurance Policy Components When choosing a policy, it is important to understand how insurance works. Three important components of insurance policies are the premium, policy limit, and deductible. A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. A policy's premium is its price, typically expressed as a monthly cost. The premium is determined by the insurer based on your or your business's risk profile, which may include creditworthiness. For example, if you own several expensive automobiles and have a history of reckless driving, you will likely pay more for an auto policy than someone with a single mid-range sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies; so, finding the price that is right for you requires some legwork. The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum. Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured. The deductible is a specific amount the policy-holder must pay out-of-pocket before the insurer pays a claim. Deductibles serve as deterrents to large volumes of small and insignificant claims. Deductibles can apply per-policy or per-claim depending on the insurer and the type of policy. Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off..

Insurance Claim What is Insurance Claim An insurance claim is a formal request to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and, once approved, issues payment to the insured or an approved interested party on behalf of the insured. Insurance claims cover everything from death benefits on life insurance policies to routine and comprehensive medical exams. In many cases, third-parties file claims on behalf of the insured person, but usually only the person(s) listed on the policy is entitled to claim payments. Insurance Claim A paid insurance claim serves to indemnify a policyholder against financial loss. An individual or group pays premiums as consideration for completion of an insurance contract between the insured party and an insurance carrier. The most common insurance claims involve costs for medical goods and services, physical damage and liability resulting from the operation of automobiles, property damage and liability for dwellings (homeowners, landlords, and renters), and the loss of life. Health Insurance Claims Costs for a surgical procedures or inpatient hospital stays remain prohibitively expensive. In 2014, the US average cost for a one-day hospital stay was $2,212. Individual or group health policies indemnify patients against financial burdens that may otherwise cause crippling financial damage. Health insurance claims filed with carriers by providers on behalf of policyholders require little effort from patients; 94% of medical claims were adjudicated electronically in 2011, a 19% increase from 2006. Policyholders must file paper claims when medical providers do not participate in electronic transmittals but charges result from rendered covered services. Ultimately, an insurance claim protects an individual from the prospect of large financial burdens resulting from an accident or illness. Property and Casualty Claims A house is typically one of the largest assets an individual will purchase in his/her lifetime. A claim filed for damage from covered perils is initially routed via phone or the internet to a representative of an insurer, commonly referred to as an agent or claims adjuster. Unlike health insurance claims, the onus is on the policyholder to report damage of a deeded property he owns. An adjuster, depending on the type of claim, inspects and assesses damage to property for payment to the insured. Upon verification of the damage, the adjuster initiates the process of compensating or reimbursing the insured. Life Insurance Claims Life insurance claims require the submission of a claim form, a death certificate, and oftentimes the original policy. The process, especially for large face value policies, may require in-depth examination by the carrier to ensure that the death of the insured did not fall under a contract exclusion, such as suicide (usually excluded for the first few years after policy inception) or death resulting from a criminal act. Generally, the process takes approximately 30 to 60 days without extenuating circumstances, affording beneficiaries the financial wherewithal to replace the income of the deceased or simply cover the burden of final expenses.

Liability Insurance Liability insurance is insurance that provides protection against claims resulting from injuries and damage to people and/or property. Insurance Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies and/or perils. Claims Reserve The claims reserve is funds that are set aside for the future payment of incurred claims that have not yet been settled. Indemnity Insurance Indemnity insurance is an agreement whereby one party guarantees compensation for losses or damages incurred by another. Renter's Insurance Renter's insurance is property insurance that covers a policyholder's belongings, liability and possibly living expenses in case of a loss event. Homeowners Insurance Homeowners insurance is a property insurance that covers losses and damages to an individual's house and their home's assets.

Wijaya Saputra alias Wijin tertegun mendengar pertanyaan Nia Ramadhani dan Jessica Iskandar saat menjadi bintang tamu di Ngopi Dara TransTV, Minggu (7/4/2019).
Bukan tanpa alasan, pertanyaan ini didasari rasa penasaran terhadap kedekatan Wijin dengan mantan istri Gading Marten, Gisella Anastasia.
"Lantas apakah hubungan kamu dengan Gisel itu hanya gimmik atau bukan?" tanya Jedar, sapaan akrab Jessica Iskandar.
Mendengar pertanyaan tersebut, mantan kekasih Agnez Mo ini tampak diam seolah berpikir mengenai jawabannya.
Wijin kemudian menjawab bahwa hubungannya dengan ibunda Gempita Nora Marten itu bukanlah settingan atau gimmick belaka.
"Enggak (gimmick)," ungkap Wijin.
Namun, Nia Ramadhani dan Jedar tampaknya belum puas dengan jawaban Wijin.
Keduanya pun meminta bukti nyata bahwa tudingan gimmik tersebut memang tidak benar.
"Bukan? Yaudah kita mau minta buktinya," ungkap Jedar.
Mendengar Jedar ingin bukti, Nia Ramadhani langsung memberikan tantangan kepada Wijin.
Ternyata Nia Ramadhani menantang Wijin untuk melakukan video call dengan Gisel, di hadapan dirinya dan Jedar.
"Kamu video call Gisel sebagai buktinya, berani gak?" tegas Nia Ramadhani.
Namun Wijin hanya tersenyum tipis bahkan sempat mengalihkan wajahnya ke arah kanan.
Selain itu, Jessica Iskandar juga bertanya perihal apakah Wijin sudah bertemu dengan Gading Marten.
"Udah pernah bertemu Gading Marten belum?" tanya Jedar.
"Belum, hehehee," jawab Wijin sambil tertawa.
Melihat tanggapan Wijin yang tertawa, Nia Ramadhani lantas menyindir keras Wijin.
"Ya Belum lah. Orang dia ngedeketin mantan istrinya pas baru cerai sebulan. Masa udah bertemu," sindir Nia Ramadhani menohok.
Diberi sindiran menohok oleh Nia Ramadhani, Wijin malah kembali tertawa cengengesan.
Wijin Bongkar Status Hubungannya
Wijaya Saputra alias Wijin akhirnya blak-blakan soal status hubungannya dengan Ria Ricis.
Dalam tayangan Kepoin Trans7,  saat itu Ria Ricis menanyakan perihal status hubungan Wijin dengan mantan istri Gading Marten itu.
"Tapi kak Wijin, berarti sekarang udah bener-bener serius sama Gisel berarti?" tanya Ria Ricis seperti yang dikutip oleh Grid.ID pada Kamis (28/3/2019).
Mantan pacar Agnez Mo ini menjelaskan, hubungannya dengan Gisella Anastasia masih dalam tahap perkenalan.
"Kita-kita saling tahu, saling kenal dulu, personalnya gimana, sifat jeleknya sifat baiknya, ya gimana kan, jangan mau senengnya doang," jawab Wijin.
Mendengar jawaban itu, Ria Ricis pun membenarkan pernyataan Wijin. Menurutnya, setiap hubungan jangan hanya mengharapkan baiknya saja.
"Betul!" ungkap Ria Ricis semangat.
Lebih lanjut, pria berusia 34 tahun itu menjelaskan bahwa tahap yang ia jalani sekarang adalah tahap awal untuk memahami Gisel secara utuh.
"Iya kan, biar tahu juga sifat buruknya apakah bisa kita terima atau nggak. Kan banyak tuh, sifat buruk itu kan banyak hal istilahnya gitu," jelas Wijin.
Pernyataan itu didukung oleh Ria Ricis bahwa dalam setiap hubungan, kita harus menerima baik dan buruk pasangan.
"Wih mantep, berarti siap menerima kekurangan dan kelebihan," komentar Ria Ricis.
Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured. Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property, or from liability for damage or injury caused to a third party. There are a multitude of different types of insurance policies available, and virtually any individual or business can find an insurance company willing to insure them, for a price. The most common types of personal insurance policies are auto, health, homeowners, and life. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by law. Businesses require special types of insurance policies that insure against specific types of risks faced by the particular business. For example, a fast food restaurant needs a policy that covers damage or injury that occurs as a result of cooking with a deep fryer. An auto dealer is not subject to this type of risk but does require coverage for damage or injury that could occur during test drives. There are also insurance policies available for very specific needs, such as kidnap and ransom (K&R), medical malpractice, and professional liability insurance, also known as errors and omissions insurance.

Insurance Policy Components When choosing a policy, it is important to understand how insurance works. Three important components of insurance policies are the premium, policy limit, and deductible. A firm understanding of these concepts goes a long way in helping you choose the policy that best suits your needs. A policy's premium is its price, typically expressed as a monthly cost. The premium is determined by the insurer based on your or your business's risk profile, which may include creditworthiness. For example, if you own several expensive automobiles and have a history of reckless driving, you will likely pay more for an auto policy than someone with a single mid-range sedan and a perfect driving record. However, different insurers may charge different premiums for similar policies; so, finding the price that is right for you requires some legwork. The policy limit is the maximum amount an insurer will pay under a policy for a covered loss. Maximums may be set per period (e.g., annual or policy term), per loss or injury, or over the life of the policy, also known as the lifetime maximum. Typically, higher limits carry higher premiums. For a general life insurance policy, the maximum amount the insurer will pay is referred to as the face value, which is the amount paid to a beneficiary upon the death of the insured. The deductible is a specific amount the policy-holder must pay out-of-pocket before the insurer pays a claim. Deductibles serve as deterrents to large volumes of small and insignificant claims. Deductibles can apply per-policy or per-claim depending on the insurer and the type of policy. Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off..

Insurance Claim What is Insurance Claim An insurance claim is a formal request to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and, once approved, issues payment to the insured or an approved interested party on behalf of the insured. Insurance claims cover everything from death benefits on life insurance policies to routine and comprehensive medical exams. In many cases, third-parties file claims on behalf of the insured person, but usually only the person(s) listed on the policy is entitled to claim payments. Insurance Claim A paid insurance claim serves to indemnify a policyholder against financial loss. An individual or group pays premiums as consideration for completion of an insurance contract between the insured party and an insurance carrier. The most common insurance claims involve costs for medical goods and services, physical damage and liability resulting from the operation of automobiles, property damage and liability for dwellings (homeowners, landlords, and renters), and the loss of life. Health Insurance Claims Costs for a surgical procedures or inpatient hospital stays remain prohibitively expensive. In 2014, the US average cost for a one-day hospital stay was $2,212. Individual or group health policies indemnify patients against financial burdens that may otherwise cause crippling financial damage. Health insurance claims filed with carriers by providers on behalf of policyholders require little effort from patients; 94% of medical claims were adjudicated electronically in 2011, a 19% increase from 2006. Policyholders must file paper claims when medical providers do not participate in electronic transmittals but charges result from rendered covered services. Ultimately, an insurance claim protects an individual from the prospect of large financial burdens resulting from an accident or illness. Property and Casualty Claims A house is typically one of the largest assets an individual will purchase in his/her lifetime. A claim filed for damage from covered perils is initially routed via phone or the internet to a representative of an insurer, commonly referred to as an agent or claims adjuster. Unlike health insurance claims, the onus is on the policyholder to report damage of a deeded property he owns. An adjuster, depending on the type of claim, inspects and assesses damage to property for payment to the insured. Upon verification of the damage, the adjuster initiates the process of compensating or reimbursing the insured. Life Insurance Claims Life insurance claims require the submission of a claim form, a death certificate, and oftentimes the original policy. The process, especially for large face value policies, may require in-depth examination by the carrier to ensure that the death of the insured did not fall under a contract exclusion, such as suicide (usually excluded for the first few years after policy inception) or death resulting from a criminal act. Generally, the process takes approximately 30 to 60 days without extenuating circumstances, affording beneficiaries the financial wherewithal to replace the income of the deceased or simply cover the burden of final expenses.

Liability Insurance Liability insurance is insurance that provides protection against claims resulting from injuries and damage to people and/or property. Insurance Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies and/or perils. Claims Reserve The claims reserve is funds that are set aside for the future payment of incurred claims that have not yet been settled. Indemnity Insurance Indemnity insurance is an agreement whereby one party guarantees compensation for losses or damages incurred by another. Renter's Insurance Renter's insurance is property insurance that covers a policyholder's belongings, liability and possibly living expenses in case of a loss event. Homeowners Insurance Homeowners insurance is a property insurance that covers losses and damages to an individual's house and their home's assets.

Sumber : Tribunnews.com

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