Langsung ke konten utama

5 Product Type Insurance Must You Have

The insurance product is a financial product that is useful to protect you from the risk of financial loss that occurs in life. Related to the proficiency level, the protection provided insurance will certainly make you think more calm and able to work optimally. Who could have thought that one day suddenly our house fire, or you are certain diseases that require treatment at a cost that is not cheap. Can not be right? All these risks should we manage to avoid in financial losses. So buying an insurance policy is the most appropriate choice. Well here are five types of insurance products that are important to have.
5 Product Type Insurance Must You Have

1. Health Insurance

Health insurance is an insurance product that provides protection against health risks with various schemes and selection of insurance benefits. Currently, the government has had a health insurance program for all people of Indonesia through the National Health Insurance program administered by the Social Security Agency of Health (Health BPJS). You can register your self in person or through the workplace to become participants BPJS and can be treated for free with certain treatment classes.

However, If you want to get better health insurance benefits, you must be able to buy health insurance products that are managed by private insurance companies. Variations benefits of its products attractive and many, ranging from inpatient care, childbirth, dental, replace glasses and so on. Choose a health insurance product that fits your needs at a price premium that you can reach your income.

Currently, some companies also offer insurance called unit-linked insurance. This means you pay the premium each month to benefit as health protection and investment shares. Interesting right? Buying health insurance is a very important investment for the protection of health financing and of course help you avoid financial dangers when experiencing pain costly.

2. Life Insurance

Life insurance is an insurance product that provides protection if there is a risk of death to the policyholder. This insurance would provide long-term protection of the heirs if you died. However, in addition to pure life insurance products such as the definition above, there are new variants of life insurance called credit life insurance. Credit Life Insurance is usually a product bundling with credit facilities granted by banks.

Later the bank customer who borrowed some money in the bank will automatically pay the premium credit life insurance. So if there is a risk of death on the customer, and there is potential default on installment credit, the insurance company will cover the remaining payments.

3. Car Insurance

Car insurance provides protection against the private car of the risk of natural disasters, fires, the damage, and accidents. If you have a car, it is important to insure because the risk is very high drive current. Choose a car insurance product with premiums that correspond to the value of your car and adjust the protective benefits that you want.

4. Insurance Education

Insurance functions like education savings kelangsungaan future to ensure the education of your children in the middle of the high cost of education from the primary level to higher education. Today, many banks are automatic savings products combined with insurance education. You can choose the scheme because basically we were saving to fund your children's education.

5. Property Insurance

Property insurance will protect homes and buildings belonging to you from the risk of damage and fire. This type of insurance there is the All Risk, means protecting all kinds of damage with certain exceptions. Property insurance does not only apply to buildings already finished and occupied. But also for the building which is still under construction. The insurance company will bear all costs incurred due to the risk of damage occurring.

Well, so an explanation of each insurance product is crucial that you need to buy. Obviously, the amount of the premium should be adjusted by the amount of your income each month. One thing that is important is that you understand the types of insurance products as well as the benefits provided and make sure you read the insurance policy carefully. Carefully select the insurance, benefits gained would be very much.
Label:

Komentar

Posting Komentar

Postingan populer dari blog ini

Personal Accident Insurance

Personal Accident Insurance (Personal Accident Insurance) - Accidents caused by transportation lately increasingly, even the NTSC (National Road Safety Committee Chairman transportation) recorded death toll from a mode of transportation accidents in 2011 increased by 174 percent when compared to 2010. Most of these accidents caused by human error factor of 52%. While technical factors reached 42% and 6% environment. Certainly no one expects the arrival of a disaster or become a victim of an accident, but the unexpected can happen anytime and anywhere. It's good that we know what personal accident insurance article? Personal Accident Insurance (Personal Accident Insurance) is a life insurance product that provides protection accident if the insured had an accident that resulted in death or permanent disability all or part of limbs. Benefits and Protection of Personal Accident Insurance (Personal Accident Insurance) If you died in the accident insurance period, the beneficiary will r...
Posting Komentar
Baca selengkapnya

Choosing the Best Insurance For Toddlers

Health is something that is expensive has been a major priority for many people so that more people who start to maintain their health insurance then realized to have the best considering health costs are not cheap and feels heavy to pay if we do not take into account early on. Moreover, to maintain the health of the baby is still a toddler of course insurance is an appropriate solution to address the need for health care for the baby that is still vulnerable to health problems.  In this case take a few tips so you can choose the right insurance for your children into consideration before you buy this type of insurance for toddlers. Understand the babies' health insurance is insurance that is providing facilities and services to support the health needs of the baby such as vaccinations, outpatient or inpatient. The big name companies entered into an important part to consider because a large company can become a benchmark of professionalism in processing incoming claims. Get inform...
Posting Komentar
Baca selengkapnya

What You Should Understand About Insurance

Often people listen about insurance and partly understand the definition and purpose of the insurance. The insurance is supposed understood completely, and people can do with a more objective assessment. And, they can decide what's best for themselves. Insurance or coverage is an agreement between two or more parties, with which the binding to insured to receive insurance premium, to reimburse the insured for loss, damage or loss of expected profit, or legal liability to third parties which may be suffered insured, arising from an uncertain events, or to provide a payment based on death or life of an insured person. In a sense, insurance has four basic principles, namely: 1. Indemnity On this principle, the insurer is willing to pay no more than the actual value that should be borne by the insured. This principle was made on the grounds. First, the purpose of the insurance contract is to restore the same economic position when the loss has not yet occurred. Second, the insured does...
Posting Komentar
Baca selengkapnya