Tips to Choosing "Health Insurance To Employees"

Health insurance for employees is health insurance program that provides comprehensive protection kapada employee and family. This employee health insurance program, usually an additional insurance other than life insurance program employees.

Health insurance is essential if a company owned, in addition to keeping employees from unexpected events. Health insurance also can be a motivation for an employee because they provided protection for themselves and family.

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How to chooise Insurance

Along with the development of the age, the need for labor and financial keselamtan also increased. This is also inline with the growing number of insurance companies that stand. Whether it's using the concept of modern insurance or use the concept of sharia (Islamic).

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Types of insurance

With the development of the concept of insurance, this also resulted in the development of janis-kind services provided by a persuhaan asuranis. There are so many types of  insurance services provided, among others:

1. Insurance losses; is insurance that will be received by the participants when he received a loss due to certain events. For example:
a. Insurance property losses caused by fire, flood, theft, and the like
b. Insurance covering the loss incurred due to their responsibilities, like running into a person or a worker who suffered an accident at work or insident

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The concept of insurance

After a modern insurance company established in 1666, this type of insurance began to change as more and more demand will masarakat a sense of security from an unexpected event. There are several aspects that can be summed up as the effects that cause more rapid growth of insurance from time to time. Some of these concept of insurance is::

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The first insurance company

Insurance in system modernization or as we know today has existed since the Great Fire of London in 1666 that destroyed many homes. Nicholas Barbon, after the disaster, established England's first fire insurance company (The Fire Office) in1680. In the United States, the first insurance company provided the which was formed in fire insurance in South Carolina, in 1732.The practice of perpetual insurance against fire was popularized by Benjamin Franklin. In 1752, he Founded the Philadelphia Contributionship for the Insurance of Houses. In India, the Oriental Life Insurance Company was started in 1818 by Europeans, much before independence.the first indigenous insurance company in India was started in the year 1870 in the form of Bombay Mutual Life Assurance Society.

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What Is Insurance

Life is full of unexpected risks or unexpected, that's why we need to understand about insurance. The primary function of insurance is as a mechanism to transfer risk (risk transfer mechanism), which transfer risk from one party (the insured) to another party (the insurer). The transfer of risk is by no means eliminates the possibility of misfortune, but the insurer to provide financial security (financial security) and tranquility (peace of mind) for the insured. In return, the insured pays the premium in a very small number when compared with the potential losses that may be suffered (Morton: 1999).

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History of insurance

Insurance has been around since time immemorial, although as yet known with kataasuransi, but the concept of insurance has been widely applied in areas of the economy in a country. From the excavation of human history and culture economy, since the time of BC found the origin history until the development of insurance today.

Insurance is highly developed, it is because human nature, which generally have the instinct is always trying to save his soul from various threats, including threats of food shortage / food.

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