Has there been an agent who has ever offered you an insurance product? One or two people may have, but you are less enthusiastic because you have judged insurance badly because of the many scams in the name of insurance.
Even though insurance offers a myriad of benefits, you know! For the assessment of insurance to change, here is information about insurance that needs to be known.
Insurance Purpose
Insurance aims to protect customers' finances from expenses related to treatment, hospital expenses, and death. Not only for yourself, insurance can be extended benefits to the protection of all family members.
Popular Insurance Products
1. Health Insurance
To protect someone from the threatening health hazards out there because the medical expenses are quite expensive. In addition to minor illnesses, health insurance covers life-threatening critical illnesses. For example, heart, cancer, lungs, and other dangerous diseases.
The costs covered include hospitalization costs, doctor services, medicines, ambulances, and much more. Of course, that has to do with the recovery process.
2. Life Insurance
To protect one's soul. The sum insured in this insurance is in the form of compensation if the insured dies. UP will be given to the heirs or family, so that they can make ends meet when one of their family members is gone.
Life insurance products are not expensive. The premium is very affordable, starting from IDR 100 thousand per month.
3. Education Insurance
Products are most in demand by parents who want their children to pursue a decent education when they grow up. This insurance has a maturity limit that can be adjusted to the customer's liking, depending on when the funds will be used.
If the insurance is to cover the child's education costs while in college, then the disbursement can be done when the child is about to enter college.
This product can be purchased when the child is still a toddler, so the amount of money that can be collected is large.
4. Property Insurance
The goal is to protect property, such as houses and shophouses from unwanted harm. For example, fires, short circuits, explosions, theft, to natural disasters. The sum insured in the insured house usually includes the property in the house.
5. Vehicle Insurance
As the name suggests, its purpose is to protect the beloved vehicle from unpredictable driving conditions. In addition to covering the cost of damage due to accidents or minor damages, insurance also covers the cost of compensation if the vehicle is lost and benefits to third parties.
There are two types of vehicle insurance that are most popular in the community, namely All Risk and Total Loss Only.
Tips Before Buying Insurance Products
1. Know the Product First
The name is broadly speaking insurance, but the products vary as mentioned above. From the product, you can know the benefits offered by the insurance concerned. We recommend that you adjust each product to your individual needs if you want to buy it.
Is it okay to have more than one insurance product? Of course, you can even have one insurance product at two different companies. The key is as long as you can pay the insurance premium, so that the benefits can be enjoyed
2. Ask about Insurance Products
Let alone the terms in insurance, benefits and products alone are a headache because your field of work is not in the insurance department. It's very natural, but it becomes unnatural if you don't ask about the ignorance.
Asking questions can make you more familiar with insurance products before finally buying them. Thus, you don't choose the wrong product that will automatically ease your finances as well. Because, the product purchased is only one but as needed.
3. Recognize the benefits that are not covered
Insurance is responsible for the risks that incur costs, according to the respective insurance product. Even so, you need to know that there are things that are excluded in insurance. This exception is not covered by the company, so it is useless if you claim it.
Exceptions in insurance are usually written in full in the insurance policy book. Because you are not yet legally licensed, this can be asked to an insurance agent for consideration.
4. Compare with Other Insurance
Before it becomes legal to become a policy from an insurance company, it would be nice if you compare its products with other insurance. The goal is to get the best. Because the products can be the same, but the benefits offered by the company are different.
You can ask agents from several companies to make an insurance simulation. From here, you can compare which one is the best in terms of benefits, the extent of partner hospitals, and premiums.
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