Miscellaneous Insurance in Indonesia

Insurance can be interpreted as an attempt by someone to minimize risk. In other words, all the things we do or what-anything that contains risk can basically be insured. The following will be reviewed about the kinds of insurance that are often used.

Health Insurance

This insurance can be categorized as a type of insurance that is most easily and commonly found in the community. Health insurance is usually provided by the company or institution where a person bekarja. Examples of health insurance that can be selected is hospitalization insurance in the hospital with two kinds of protection that is protection with card system and protection of the reimbursement system. The first type of protection in the sense that if the policyholder hospitalized, then the payment process can be done only by showing the card provider. Furthermore, the insurance will pay the entire cost of the hospital, medications, doctor visits, surgery and others. Protection with a reimbursement system requires the policyholder to pay in advance the whole cost of the hospital and then make a claim to the insurance company.

Life Insurance

Many thought bahwasannya life insurance has the impression to prepare for death. On the other hand, many also believe that the life in the hands of God and death is the prerogative belongs to God Almighty. Asusransi soul is not intended to circumvent death, but as a protector for the family that will be abandoned in the event of bad things that menimmpa policyholders.

There are two types of life insurance that is Term Life and Whole Life. Term Life Insurance will memberilan protection or protection for a certain period of time ranging from 1, 5 and 10 years. Premium money will be forfeited at the end of the period, but the insured value of insurance product will be much greater. Whole Life Insurance will provide lifelong protection system. This would result in the value of the premium to be more expensive than term life insurance. If the policyholder does not die during the insurance contract, then he can claim the insurance money that is smaller.

Education Insurance

This type of insurance will provide protection for children's education. Generally, this type of insurance combined with life insurance.

Insurance of Loss

This type of insurance is also known as the Non-Life Insurance and regulated in Law No.2 / 1992 to handle losses on a business. These types of insurance include fire insurance will provide protection against loss from fire in the home, office, hotel and so on. Other types of insurance is that the transportation insurance provides protection during transport of goods by land, sea or air. Another type of insurance is often used by insurance vehicle / car and accident insurance.