Saturday, March 5, 2011
AMAG, Insurance Cheap Or Gambling?
Balance Viewed from year to year, seemed a good growth in total assets of around 17% per year, and most of the assets of an investment in time deposits. Outstanding debt, retained earnings and equities were also looking healthy ... until here no problem. I love rating of B + is ..
Income statement
Successfully Put incomes who are always increasing, and in 2010 I estimate increased by about 20%, a good achievement. Jgn yg pm until
there who claim segede Gaban forgetfulness are not logged in aja .. wkwkwk ... From the comparison of Q3 2009 and 2010, there is a slight decrease in net income, I tp tetep tetep believe 2010 will be better than 2009, because they will not decrease because of the decline in operational performance.
Ratio
At a price of 136, AMAG PER Annualized yield about 3 times. where Anz my EPS estimate will reach about 45, or an increase of about 10-15% compared to last year. With estimates of the ROE ratio of about 17%, although quite tolerable disektornya, tp I still feel less comfortable if not above 20. Jd need a little polish to be inserted therein to an investment portfolio jk PJG.
Prospect
Based on growthnya distinguished stable from year to year and also a healthy financial report, then I am optimistic bbrp wktu lg will soon be glimpsed as one of the favorite by most investors' portfolios. Business insurance is a business which is almost always profitable unless suddenly flooded Claim, but of course all the risks they have so far succeeded in anticipation Put kkinerja good. At first glance, I see this stock still deserves to sit around 150an. Optimistic price target of about 200 time frame of 12 months, "the old wah bener kok ..?" gan understand, is still difficult motion, less liquid, not much ogled hell ...
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Cheap Health Insurance
Today what the hell are cheap? everything is expensive including skyrocketing health costs. Today, people who earn a mediocre, if admitted to hospital seems really hard to make. Not only the sick body alone but also sick bag. And usually for no more pain, I think emang already have the name of health insurance.
To get around this, there are several insurance companies that work with the bank issued a health insurance product through credit card, because it can direct the premium payments from credit cards. This health insurance premiums are cheap, cheaper than the insurance that had been offered by the insurance agent, was so lightly condition and the process was quicker.
And the usual rules of insurance, the greater the premium, the greater and more extensive coverage santunannya protection. Beside that also, this insurance does not require a doctor's certificate on the history of the disease. Customers generally also have a period of 20 to 25 days each month to pay premiums that are not so large that (premiums less than USD 100,000). This is definitely lighter than individual insurance which generally require payment at once. So it looks like insurance via credit card is cheap and flexible making it suitable for people who do not have substantial funds.
However, there are some who need to be considered in choosing a product:
First, Do not forget the amount of money insured in insurance packages through credit cards is usually not so big. So if we need large, the number santunannya would not be enough. Moreover, insurance via credit card has been made in the form of packages, so it can not be designed as needed.
Second, careful advance facility provided by insurance companies such as inpatient, outpatient and savings elements.
Thirdly, how to process his claim? do not let the process is troublesome when it will claim it.
Fourth, look at the element of savings or return on investment. This applies to insurance that offers a refund within a certain percentage after the coverage period is completed.
Fifth, no matter how good an insurance product, make sure to pay premiums
.
Finally, look at hospitals that coexist with them. Do not get a referral hospital is the hospital that are located far away remote places :)
So, I think do not be tempted by a cheap premium value with great coverage without us examine and look deeper.
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