Home Insurance in These Times

In this paper I would like platicarles a little bit about the importance of securing your home, for without doubt one of the major assets to protect, where you care and you live with your family and loved ones, and very important also because it is one of your main assets .

There are various risks to which it exposes your home from natural disasters to accidents caused by others and that is why protecting it is a big decision.

Home insurance can offer protection against all types of damage, either by floods, fires, landslides, etc.. On the other hand, some home insurance policies also protect your possessions whether by theft or damage, there are many options to choose from.

It is important to note that home insurance, such as Insurance Home Well, are developed in such a way that not only are home insurance, but to function as full protection for your family, protecting the damage that you or someone can generate a third family. For example, when your child breaks a glass playing football or when heavy rains pull the wall of your house and you cause any damage to the house of your neighbor. 

Protect your home is to protect your family and give them peace of mind to live a carefree life. 

Remember that insurance is no longer a luxury and have become a necessity for all, that is why I recommend you take your precautions and concentrate solely on caring for your family.

Medical Expenses in Mexico are high and have Insurance

The hospital medical expenses in Mexico are high and have insurance can make a difference.

S Hi everybody, this time I am very interested to explain what a health insurance because it is very important to have one.

Medical Expense Insurance is designed with the goal of hiring the person who has a financial support to cover hospital costs, physician fees, medications, rehabilitation, and others, arising from an illness or accident. A health insurance can offer several coverage options and that is why I recommend always well informed, with a Professional Insurance Agent, on which package best fits your coverage needs and budget.

Another important point is that insurance companies have alliances with hospitals and doctors, which is why you also sure you can make savings or better service when you need them. So it will be easier, faster and not have to pay a significant amount of money.

Another benefit offered by partnerships is that the medical network, where the best doctors in Mexico publish their contact details and also offer a preferential price for insured consultations.

For health insurance there are different assists that offer increasing coverage and make sure your most complete, double check all your insurance gives you and consider all the benefits you can get.

So go ahead and do not miss the chance to secure, disease and accidents come without warning.

The health insurance not only take care of your health, it also protects your assets and your family.

How to choose the best product to insure car

Hello, welcome back to my Blog Insurance. This time, I want to explain a bit about car insurance, once you know more about the scope and uses you can get to give car insurance, I can assure you will be much more interested in buying one.

Buying a car gives you great satisfaction, not just for the sake of having it, but also by the utility it represents. However, buying a car also means big responsibilities, among these is the insurance.

There are different types of insurance for your car, which offer different benefits and coverage to suit your needs. That is why I will explain what is the best product to secure your car and how to choose it.
Mainly we should concentrate on how you use it to your car and this will depend protection you require.

We must first know what the major coverages and exclusions of the insurance packages for car. If you do not know who are these two concepts reviewed in Part II of aBc insurance.

There are 3 main packages :

-As a first option we can see the liability coverage to third parties . This will cover all expenses related to the damage you cause to another person, both physically and in their possessions.

-Then we can find the limited coverage , which also cover the damage you can cause to a third party, covers the total theft of your vehicle.

-Finally we can find the comprehensive coverage , which also include the above features, it offers protection for your car damage and extra services like roadside assistance, etc..

There is no better or worse insurance, there is simply the one that best fits your needs both price and protection.

If you consider yourself a good driver and have no accidents commonly, you can choose to be protected against damage to third parties, so that an eventuality not stay unprotected. It will also be the cheapest option and its cost / benefit is completely in balance. Although sometimes accidents happen in the places and people least expected. Better safe than sorry.

On the other hand, you can hire a wide coverage in which also give you minimum coverage against damage to third parties, gives a very coverage which protects both your car as you and your companions, and so if something happens to your car will only have to pay a deductible. This will be a very low percentage that does not exceed the value of the cost of the accident.

So we remind you that the best insurance is the one that suits both your budget and your requirements, and will be paying for what you need and consider appropriate.

Remember insurance is a luxury not a necessity, but each has different needs and MAPFRE know, so we offer a choice of products, some that will meet your needs and budget.

Insurance for Everyone

Standardized Basic insurance

Hello again, in this post from my blog I want participles a very important project for the insurance industry in Mexico, the Standardized Basic Insurance.

As we talked in previous publications, insurance is very important because they are the best financial tool with which we have to prevent or compensate for unexpected expenses of situations we are exposed every day and that can jeopardize our welfare and economy.

Usually people think that insurance is expensive, however, tell you that have created products that  we have access, these are the Standardized Basic Insurance.

I tell you more about them ...

Standardized Basic Insurance born at the initiative of the Federal Government, they are intended to insure people against the most common risks (those that occur more often). This identified need the government to see that almost no one has insurance in Mexico and especially because it is extremely important that everyone is protected.

The risks considered most common are:

Auto Liability
Personal Accident
Medical Expenses
Life


As its name implies, the Standardized Basic Insurance offer the "basic" that can help us avoid financial expense out of our financial planning.

Do not miss the opportunity to prevent and care for what you love, remember that it is better safe than sorry.

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ABC of insurance Part III

In Part I and II of ABC insurance, talk about the risks that the company claims and some examples of what they cover. Now in this third section we'll talk about the risks that insurers consider to create insurance.

According to insurers, What is risk?

- An event or potential event depending on chance.
- This is the protective covering property or persons shall take insurance.
- The good or person to be insured.

The risks can be insured are divided into:
- Risks that affect people.
- Risks affecting the property.
- Risks that affect others.
- Risks consequential.

COVERAGE , this term refers to the commitment to protect an insurance company agrees to various risks, which will bear the economic consequences to some extent, the above previously described in the policy that is engaged, either car, medical expenses , life, home, etc..

EXCLUSIONS are risks, real or circumstances specified in the contract and are not part of the insurance. Exclusions are those risks that arise, the insurer will not pay for damage they cause. They should also be inspected carefully when hiring insurance.

It is important that when you buy a policy you are aware and know what your coverages and exclusions, these two terms are key to making good use of your insurance.

After reviewing the information, we recommend that you read the general conditions in this document are the coverages and exclusions, so if you have an accident you know if these protected. Remember that being informed will help you make good use of your insurance.

I hope this information has been helpful, remember to keep in touch with me. Every week I'll be posting information to help you be more secure.

ABCs of insurance Part II

Following a brief glossary of common insurance concepts. I hope that the information published here is useful and this will help everyone to be protected.

A loss is a situation in which you live an incident and you have to use your insurance. At that point is when you experience the benefits that your insurance, mainly because accounts with financial support or any unforeseen legal.

Insurance companies insurance cataloged in different ways and then I'll explain a simple classification with regard to auto insurance, so that when you make use of your health insurance would be easier to identify what kind of claims can be.

When a claim is a total loss?

It's when the whole is affected the self-insured or the damage exceeds some percentage set by the insurer to consider a total loss. 

When a loss is partial loss?
 

When there is damage affecting only part of the insured vehicle. 


CLAIM
process to be followed to obtain payment for an incident to happen is covered.


Following a brief glossary of common insurance concepts. I hope that the information published here is useful and this will help everyone to be protected.

A loss is a situation in which you live an incident and you have to use your insurance. At that point is when you experience the benefits that your insurance, mainly because accounts with financial support or any unforeseen legal.

Insurance companies insurance cataloged in different ways and then I'll explain a simple classification with regard to auto insurance, so that when you make use of your health insurance would be easier to identify what kind of claims can be.

When a claim is a total loss?

It's when the whole is affected the self-insured or the damage exceeds some percentage set by the insurer to consider a total loss. 

When a loss is partial loss?
 

When there is damage affecting only part of the insured vehicle. 


CLAIM
process to be followed to obtain payment for an incident to happen is covered.


COMPENSATION
is the compensation that the insurer must pay for the loss.

Compensation is the economic reset, previously agreed in the policy, to various events that can occur in a disaster.

Now you know that when you talk about an incident you have to make to your insurance company making the claim and whether that risk is covered, you will get compensation or help you repair your vehicle. Remember that this was the B side of insurance, we still check out the C, do not miss it.
is the compensation that the insurer must pay for the loss.

Compensation is the economic reset, previously agreed in the policy, to various events that can occur in a disaster.

Now you know that when you talk about an incident you have to make to your insurance company making the claim and whether that risk is covered, you will get compensation or help you repair your vehicle. Remember that this was the B side of insurance, we still check out the C, do not miss it.

Abc of Insurance

Part I: The ABC of Insurance

Insurance is a company that offers services to protect your assets, they are sometimes complex language which we all need to know to understand what we are hiring and use it as best as possible.

Here are the most common concepts that sometimes do not know and can complicate the use of a service as useful as insurance.

An insurance is a contract whereby an insurer undertakes, by charging a premium to compensate the damage caused to another person or property, or to satisfy a capital, income or other benefits agreed. All of the above depending on the type of insurance has been hired.

AGREEMENT AND POLICY

Contract of insurance

The insurance contract is the covenant or agreement between two or more people requires the fulfillment of certain actions, for example, offer a service or pay compensation.

Through the insurance contract insurers undertake to compensate for damage if an event specified in the contract, and you pay a premium to be protected.

POLICY

The document (contract) reflecting the general rules, particular or special.

PRIMA

The premium can be known as the cost of insurance, and this is linked to certain characteristics that determine how much insurance will cost. Depending on the amount you pay for your premium will be the coverage you will receive.

Insurance companies consider 5 things to determine the value of the premium:

Level of Risk: This refers to the number of times that has happened and suddenly some kind of damage that have been generated by it (eg how many earthquakes have occurred in Mexico in the history and damage).

Statistics: This refers to how often an accident happens and average severity (ie on average how many cars of any brand were stolen last month).

Probability: this means how likely an event happens (eg a hurricane in Acapulco is somewhat likely).

Mortality Table: Number of deaths by age, occupation and gender (eg a man working in a mine is more likely to have an accident, one who works in an office).

In the first part of ABC insurance, saw the terms of insurance policy and premium. These three concepts are fundamental for when purchasing an insurance policy and pay a signature bonus. Remember not to sign your policy if you do not understand perfectly the benefits and coverage you will receive from your insurance.

Do not miss the next part of the ABC of insurance, and we will talk over these issues.