Register Insurance ..??? Is insurance important?
Insurance!!! When you hear the word insurance, it may sound familiar to you or even some of you have used insurance for some reason. Not long ago the author took health insurance as well as an investment and would like to give a little view about insurance.
What is insurance? Here’s the definition of insurance from wikipedia:
Insurance is a term used to refer to an action, system, or business where financial protection (or financial compensation) for life, property, health and so on is reimbursed from unforeseen events that can occur such as death, loss , damage or illness, which involves regular premium payments over a certain period of time in exchange for a policy that guarantees such protection.
At first the author was not at all interested in taking insurance, but after getting a little understanding about insurance, the author was interested.
The author’s reason for taking insurance is to save as well as invest plus health protection.
Savings insurance..?? Maybe for those who have never heard of it, now there are various insurances as well as investments, which means that if you save, you will get health insurance protection and the money you save can be taken in the future, usually the period is 10 years.
Why should we take out insurance?
As we know, humans are threatened by various risks, including an accident or a serious illness that causes you to be in the hospital for a long time. For hospital room costs in Indonesia, the average starts from 300 thousand, can you imagine how much it costs for treatment if we stay for 10 days in the hospital?? And these costs certainly do not include the cost of drugs for healing.
The following is an illustration of the insurance benefits:
For example, an employee named Udin had an accident after coming home from work, causing a fracture in one of his legs.
No insurance protection
Udin has to pay for every medical fee while in hospital by draining the existing savings from his hard work while working.
In addition to the costs that must be incurred, automatically while you are in the hospital you cannot work and your income will stop.
With insurance protection
During his stay at the hospital, Udin will receive hospitalization fees with a certain nominal value depending on the insurance premium paid. For certain severe diseases such as cancer, tumors, and other diseases covered by insurance, there will be additional medical expenses. If during a period of 10 years we do not get sick, the money we have invested can be taken back.
Based on the illustration above, of course, by taking insurance, we can get many benefits, in addition to the benefits above, there are many more benefits that the author has not explained about taking insurance, for more detailed information you can discuss with insurance agents who offer insurance.
Honestly, the author does not expect you to have a disaster or even an accident that causes your soul to float. But if you prepare everything from today and choose insurance as your means of protection, your future will be more secure and you can calmly go to your old age without having to bother other people.
We will never know what will happen after this, today, tomorrow or next week, because all of that is the secret of the Almighty. But we as humans are obliged by law to plan for our future and our family, so that if something happens to us, we will not make it difficult for our family members.
The author just wants to share a few views about insurance, and one more thing the author does not mean to promote any insurance.
Finally, all of the above is a theory that explains the positive side of insurance, of course all insurance companies offer more positive benefits for their customers, but it is important to note that not all insurance companies keep their promises. As a customer, you must also be observant and careful before choosing, pay attention to the track record of the insurance company you want to take. Because all the benefits that are said to be obtained, it will be useless if our insurance claim is rejected. Proof of whether the insurance is good or bad the author leaves to the reader.