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Good companies usually already have a protection system for their employees, at least for health protection in the form of health insurance. Especially now, there are government regulations that require companies to participate in the insurance program . Some companies even provide additional insurance from private insurance companies to their employees.
If this even feels less, there's no harm to look for additional insurance to protect yourself. There are at least two insurance products to consider namely health and life insurance. What are some considerations to consider before taking additional insurance products? The reviews below will help you.
Important Considerations Before Taking Additional Insurance Products
Life insurance
If you currently have a health insurance program or other additional insurance and feel there is still less, then there's no harm to taking additional insurance. The following considerations are:
1. Existing Insurance The Insured Value or Service Class Beyond Expectations
Health insurance has its own class of service in accordance with the premium paid. If you feel the service class is given is not as expected, there is nothing wrong with finding additional insurance. Likewise with life insurance, whether the sum assured given is big enough or not. If less, can take additional insurance outside the office.
2. Not Comfortable with Insurance Services from the Office
One of the most uncomfortable things in participating in the insurance program is the claim mechanism. If the insurance from the office is currently troublesome such as limited hospital services, or your mobility is high while the claims process is difficult and inconvenient, then it's good to consider taking additional insurance.
3. Endowment Insurance
This type of life insurance offers 2 benefits, namely as term and savings insurance. This product incorporates term life insurance and savings that can be withdrawn at any time before the contract expires, in accordance with the agreement.
Characteristics of Endowment Insurance
Dual life insurance product has many variations. Usually packaged as child education insurance, pension insurance, and so on. Many choices of contract period with nominal deal of disbursement of savings and nominal value of insurance coverage This type of insurance has 2 benefits, namely the benefits of life and death benefits. This means that the sum assured will be provided if the customer dies or is still alive but the policy contract is over.Suitable to make savings as well as life protection.
The premium cost is relatively high due to more flexible return of insurance coverage and the benefits of savings that you can use for immediate needs.
4. Life Insurance Unit Link-Insurance Plus Investment
This type of insurance is the most recent product of an insurance company that combines insurance and investment that is the answer to the needs of customers who are interested in investing and want to get protection of life and health.
Characteristics of Unit Link Insurance
The premium is expensive, the profit or loss of the investment is still borne by the customer. The return on investment is used to pay additional insurance costs when there is a premium leave facility. The return on investment can be taken when urgent needs such as education or pension.Practical for customers who want protection as well as insurance in one the same product Investment results can be withdrawn within a certain period. Investment value is not as pure as investment, nor is the value of protection is not as big as pure life insurance
Consider carefully before deciding to take the unit link, because this is a product of insurance and long-term investment. If stopped in the middle of the road then it will be a loss.
In accordance with Financial Capabilities
Understanding every insurance product is important to do before deciding. If you feel the insurance protection from the office is still lacking, then the alternative insurance products above can be an attractive option. Condition, you have enough budget to pay the premium.
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