Insurance Claim Denied?

This sentence certainly sounds very unpleasant, especially if you own up to that experience. Perhaps because many cases of refusal claims by insurance companies, makes a lot of people become antipathy toward insurance.
This is understandable because the insurance selling an intangible product (intangible), unlike other products that look the goods (tangible) so that the transaction be clearly visible. Insurers rely on the trust of the prospective customers to ensure a financial risk on their losses due to unexpected events.
When there is a claim / accident, the customer would expect to obtain their rights as stated in the policy to make a claim. However, sometimes the insurance company "forced" to reject the claim. If one day you experience the unpleasant things that,
The following are some tips and information that can hopefully be useful:
Get a detailed explanation of the basic insurance claim denials them.
If the explanation of the insurer deemed unfounded, then we may appeal to the insurance by providing basic arguments we objected to them.
  Can also use an external dispute resolution media in Indonesia, among others: BMAI (Indonesian Insurance Mediation Board), arbitration or court.
If there are things that are still not clear about the insurance claim and the coverage should immediately check with the insurance that the insurance policy issued before the cause of rejection at the time of claim.