CHEAP CAR INSURANCE FOR LADIES
3 Types of Insurance Important for Women
As a woman, there is some insurance that needs to be owned in order to maintain the welfare of life. But unfortunately up to now still a few who have the awareness to have it.
According to data from the Indonesian Life Insurance Association (AAJI), the total number of individual-insurance and joint-insurance policyholders in Indonesia until the middle of this year reached about 87 million people. Although this number increases, actually only about 5.3% of the total population of Indonesia who have individual insurance .
Taking insurance is often considered less important than having savings and deposits.Many employees rely on health insurance from their companies, but not necessarily insurance coverage includes comprehensive protection if they are sick or have an accident.
Understand the 3 types of insurance you should have right now:
Pure Health Insurance
If you are "newbie" and just want to take out insurance to cover hospital replacement costs, choose the type of pure health insurance. This type of insurance really only reimburses you if exposed to illness or accident and needs hospital treatment.
"Currently, some insurance companies are incentive to sell this type of insurance with low premium, starting under Rp 100,000," said Erik, a marketing employee of a reputable insurance company in Indonesia.
In addition to pure health insurance, currently many outstanding also unit link insurance. Some agents say if you buy this insurance you will get two benefits because of a package of insurance and investment. But, according to Erik, often the fact is the sum insured from the type of insurance is smaller than needed, alias is not sufficient (underinsured ).
"People are now actively choosing pure health insurance because thereare many cases where unit linked insurance holders become underinsured ," he explained.
Erik added, the insurance agents are really keen to offer unit link because usually the commission is bigger for the agent. If you choose this type of insurance, look at the written explanation, as there are usually many hidden costs in the type of insurance.
Accident Protection Insurance and Permanent Disability
You never know when an accident will happen to you, so to anticipate there are additional insurance options for accident protection. In some insurance companies, the protection provided reaches 100% if the customer is permanently disabled and twice the sum insured if the customer dies. Even this insurance will bear the loss of opinion if the customer can not continue the work due to permanent disability.
Not only good for women who work freelance or have their own business, this kind of insurance is also well taken for women with permanent jobs because it provides a guarantee for the cost of life when can not work anymore. Stasia, a Prudential insurance agent, advises customers to read insurance policies more clearly to know what kind of defect the insurance company is covering.
"Certainly permanent disability that makes you no longer work, such as amputation of hands and feet, more clearly discussed first with each insurance agent because each company is different," he said.
Careful Choosing Critical Illness Insurance
While you are young and healthy immediately also have critical illness insurance. This type of insurance protects you when suffering from critical illnesses such as cancer, heart attack, stroke and lupus. But you must be keen to choose because not all insurance companies cover the same disease. The average insurance company covers the protection of 30-45 critical illness types with premiums that vary depending on your age.
"Young, preferably under 40 years old because the insurance companies see the older the higher the risk of illness," Stasia advises.
Insurance is important for your health protection but once again be sure to read the insurance policy as carefully as possible before buying. Do not let you take the wrong insurance and not appropriate to the needs.
