Science lovers - Insurance products are financial products that are useful for protecting themselves from various risks of financial loss w...
Disasters often come at unpredictable times. For example, falling sick and having to go to the hospital for treatment, accidents occur, people steal cars, and houses flooded.
This is where the insurance function, you will get protection or protection from the financial side provided by the insurance company. For example, maintenance costs, replacement costs for lost items, costs for flooding due to floods and so on.
By having insurance, it will definitely make you calmer, and you don't have to worry if a disaster happens at any time.
Just imagine, if one day suddenly the house will be flooded or fire? Or are you suddenly sentenced by a doctor to have a certain disease that requires treatment at a cost that is not cheap? Stress for sure, especially if you don't have insurance.
How much financial loss do you have to bear? Of course not a little. However, you can manage all these risks by simply having insurance.
Make sure you understand well the benefits of insurance for your life later. Yes, it is usually paid for an insurance policy monthly or annually, and to feel the benefits indirectly. But when an emergency arrives, you don't need to panic or financial stress, because insurance is ready to protect you.
For those of you who are looking for answers, is it time to have insurance? The answer. Yes.
What are the important insurances that you need to have? So that you understand, here are 5 important reviews of insurance products that you can consider.
1. Health Insurance
Health insurance is an insurance product that provides protection against health risks with various schemes and choices of insurance benefits.
Currently, the government already has a health insurance program for all Indonesians through the National Health Insurance program which is managed by the Health Social Security Administration.
Especially for BPJS Health, you can register yourself individually or through the workplace to become a BPJS Health participant. Then after being registered, you can take advantage of health facilities with free treatment according to the BPJS class you choose.
In addition to BPJS, if you want to get more health insurance benefits, you can of course buy health insurance products that are managed by private insurance companies.
Buying health insurance products is one way for you to protect yourself from financial risks which of course can help you avoid bankruptcy or mounting debt when you are sick that requires expensive medical expenses.
So don't think, pay the policy and get nothing. That's an incorrect thought. Because insurance is not something that you enjoy in the present, but for the future or rather, when times of emergency occur.
The variety of benefits of private insurance products is much more interesting and has many benefits. Starting from inpatient services, outpatient services, coverage for childbirth costs, teeth, eyes, critical illnesses, changing glasses and so on.
How to Choose the Best Health Insurance:
- Choose a health insurance product that suits your needs at a premium price that is of course within your budget.
- Research and study the policy. Find out what insurance benefits (coverage) are offered.
- Compare health insurance products A and B, check which benefits are more suitable for your needs.
- Learn how to claim health insurance, remember to check the excluded conditions listed on the insurance policy.
2. Life Insurance
- Choose a life insurance product that suits your needs at a premium price that is of course within your budget.
- Find out the amount of the sum insured (UP) or the amount of benefit (claim) received.
- Compare life insurance products A and B.
- Choose an insurance company that has good credibility.
- Research and study the contents of the policy.
- Learn how to claim insurance and also check the excluded conditions listed in the insurance policy.
3. Car Insurance
- Choose a car insurance product that suits your needs at a premium price that is of course in accordance with the value of the car and your budget.
- Research and study the policy. Choose the insurance benefit (coverage) you need.
- Learn how to claim, and also check the excluded conditions listed in the insurance policy.
- Choose and compare car insurance products, ranging from conventional car insurance to Islamic car insurance on the meticulous.com site, and you can get the best and cheapest car insurance.
4. Education Insurance
- Choose education insurance products according to financial goals.
- Make sure the amount of funds in accordance with the target cost of education.
- Research and study the policy. Do not be easily tempted by luck,
- understand the risks and how education insurance works.
- Compare education insurance products A and B. Choose the one that suits your needs and the premium costs are not burdensome.
- Learn how to claim education insurance and check also the excluded conditions listed in the insurance policy.
5. Property Insurance
- Choose property insurance products according to your needs with premium prices that fit your budget.
- Research and study the policy. Find out what insurance benefits (coverage) are offered.
- Compare insurance products A and B, check which benefits are more suitable for your needs.
- Learn how to claim property insurance and check also the excluded conditions listed in the insurance policy.