Human needs are increasing here and there. This goes hand in hand with more and more human activities. On the other hand, people who carry out various activities must also be aware that every activity you do must be side by side with risks.
Unfortunately, no one can predict when or where the risk will come. However, you can minimize this risk by providing protection in each of your activities, namely insurance.
In addition to protecting themselves or their customers, insurance also provides protection for other assets such as vehicles, property, assets and so on. That way, you don't have to worry anymore if during activities starting from work, travel and others you are faced with risks.
You need to know that there is insurance called group insurance. For those of you who just want to buy insurance, you should first understand what group insurance is and other information.
Check out the following reviews that have been summarized from various sources.
What is Group Insurance?
Quoted from dictionary.tokopedia.com, group insurance is a program owned by an insurance company whose contents provide protection to several people in one contract who have a close or special relationship with the policyholder.
So, in one policy, you can list many people who have a special relationship to get the same insurance. For example, a company buys insurance for its workers.
Types of Group Insurance
Group insurance has several types of insurance options, so a company can choose insurance based on the needs of the company and its employees. Here are some types of group insurance that generally exist in Indonesia, including:
1. Life Insurance
Protection program for families in case of unwanted risks, such as the death of the policyholder. This life insurance has the following types of products:
- Term Life Insurance
- Whole Life Insurance
- Dwiguna Life Insurance (Endowment Insurance)
- Unit Link Life Insurance
2. Health Insurance
Health insurance, namely the company provides guarantees to the insured customer to replace any medical expenses ranging from medical check-ups, hospital care, medicines and so on.
3. Vehicle Insurance
Vehicle insurance certainly provides protection for your vehicle. So, the vehicle owner will cover the repair costs if the vehicle is damaged due to accidents and other risks. Usually, this policy holder also gets protection for hospital treatment costs in the event of an accident.
4. Home and Property Ownership Insurance
Home and property ownership insurance provides protection or compensation in the event of damage to the property registered in the insurance. This property can be in the form of houses, office buildings and other property assets.
5. Education Insurance
Education insurance will cover the cost of a child's education if one day parents can no longer earn a living due to risks, such as death, serious illness or disability due to an accident.
6. Business Insurance
You can provide protection for the business you are currently living with business insurance. That way, you don't have to worry anymore if later the business suffers a financial loss because the insurance company will guarantee the compensation.
7. General Insurance
General insurance is protection in the form of compensation to the policy holder, in case of damage, loss or loss of property.
8. Old Age Security Insurance
Those of you who work and are registered as old-age insurance policy holders will get cash protection if the policy holder enters retirement, has a disability so that he can no longer work or dies.
Tips for Choosing Insurance for Companies
For those of you who are currently planning to procure insurance for employees, there are some tips for choosing insurance from the Financial Services Authority (OJK) that you can use as guidelines, including:
- Don't just be interested in promos or other forms of gifts offered by insurance. However, choose an insurance product that suits your needs and abilities.
- Make sure the selected insurance company already has an operational permit by the OJK. That way, during its activities the insurance company gets OJK supervision.
- Get to know the service quality of the selected insurance company, from product selection to the insurance claim process. The owner of the company has the right to inquire about all the benefits and services provided by the insurance company.
- Fill in the company and employee data that is covered properly and correctly. Make sure there is no wrong information on the insurance form provided.
- Make group insurance premium payments on time
- Check all insurance files in detail.
Company Facilitation with Group Insurance
A good and good company certainly has complete facilities for its employees. One of the important facilities the company has is insurance for its employees. This, of course, will make employees work safely and comfortably, thus encouraging the spirit of employee performance to continue to advance the company.
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