Here's How to Register for Life and Health Insurance Correctly

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To register for life and health insurance, there are several stages that must be done. Starting from consulting with insurance agents to filling out the SPAJ. Therefore, you must know how to register for insurance so that in the future you don't feel disadvantaged and do research on insurance products from various other insurance companies to find out which insurance suits your needs.

If you are trying to register for insurance, come on, understand how to register for life and health insurance correctly according to the following procedure!

Stages of Registering Insurance

The following are several stages of registering for insurance that prospective customers need to understand and prepare. Oh, yes, the steps below can also be applied by those of you who are registering for health insurance, you know!

1. Contacting Insurance Agents
   

If you are trying to register for insurance, come on, understand how to register for life and health insurance correctly according to the following procedure!

Stages of Registering Insurance

The following are several stages of registering for insurance that prospective customers need to understand and prepare. Oh, yes, the steps below can also be applied by those of you who are registering for health insurance, you know!

1. Contacting Insurance Agents
   After comparing various insurance companies and finding the right choice, you should immediately contact the relevant insurance agent. You can do it online or offline .
   
   This is done to make it easier for you to determine the right insurance product. At this stage, you can also ask questions in detail regarding the benefits and insurance policies that match your needs.

2. Don't Rush and Discuss
   Even if you have a clear picture, don't rush to agree. You can do more in-depth research and discuss it with an insurance agent regarding the protection you want to use.

3. Understanding Insurance Illustrations Insurance
   illustrations are documents that provide an overview of the insurance benefits received by the policy holder. In addition, the illustration also provides a projection of the amount of sum assured (UP) that you will receive later. 
   
   Insurance illustrations are important for prospective customers to understand well to avoid misunderstandings in the future. For example, let's take the example of Sum Insured (UP).
   
   The amount of the sum assured (UP) received will usually vary depending on the risks faced and also the profile of the prospective customer. The higher the premium chosen, the greater the benefits that will be obtained. 
   
   Well, a mistake that is often made is that prospective customers do not read the insurance and policy illustrations completely, then assume that the sum insured received is of great value.
   
   Even though the sum insured received can be different for each customer, depending on the condition of the prospective customer when submitting a claim.

4. Filling in SPAJ or SPAK
   If you have read the insurance illustration correctly and agree to the terms received, then you will receive a SPAJ (Request for Life Insurance) or SPAK (Request for Health Insurance).
   
   This SPAJ and SPAK contain important and detailed information related to the personal data of prospective customers.
   
   At this stage, usually the insurance company will also ask for several additional health documents such as the results of a medical check-up to determine the health condition of the prospective customer and determine the amount of insurance benefit to be received.
   
   Make sure to be honest in filling out this SPAJ or SPAK, OK! So that the insurance benefits received can also be maximized. In addition, the data in this SPAJ also determines whether the application of a prospective customer will be accepted or rejected by the insurance company.
   
   The mistake that is often made is that the prospective customer is not really honest in informing the history of the disease when filling out the SPAJ or SPAK. So, do not be surprised if the insurance company will reject the claim if a pre-existing condition is found .
   
   After the SPAJ or SPAK is filled in, the insurance company, namely the Underwriting section, will conduct a review of your health condition. You will be asked to wait within the specified time, it can reach 1-2 weeks.

5. Selection Results from Underwriting
   After the review and selection process is carried out in accordance with SPAJ and SPAK, the Underwriting will make a decision. There are three decisions that usually come out, namely:

   • Insurance application approved

   • Insurance company agrees with additional premium

   • Insurance application rejected
     
     

Underwriting selection is usually determined by several factors, including the health and age of the prospective customer. The healthier the customer, i.e. no disease or no risk of dangerous disease and of a productive age, the more maximum protection will be received.

After all stages are passed, the insurance is active and customers can get protection according to their needs and health conditions.

Those are some ways to register for life and health insurance correctly and the stages. It is indeed quite long, but this is done so that prospective customers understand what benefits will be obtained later, so they do not feel disadvantaged.

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