7 Other Benefits of Insurance
Not Just As Protection, Here Are 7 Other Benefits of Insurance
The number of insurance policies in Indonesia is increasing every year. This indicates that more and more people in Indonesia are concerned about mitigating risks that arise in the future.
But until now there are still some people still underestimate insurance. Evidenced by the indifferent attitude of the people who often avoid whenever asked about ownership of insurance. Whereas in addition to being self and family protection, insurance also offers various other benefits that are very beneficial and worthy of consideration.
For those of you who don't know it yet, consider the following various benefits from the insurance coverage that succeeded in Cermati.com summarized from various sources.
But until now there are still some people still underestimate insurance. Evidenced by the indifferent attitude of the people who often avoid whenever asked about ownership of insurance. Whereas in addition to being self and family protection, insurance also offers various other benefits that are very beneficial and worthy of consideration.
For those of you who don't know it yet, consider the following various benefits from the insurance coverage that succeeded in Cermati.com summarized from various sources.
Benefits of Insurance
1. Investment and future savings
Planning to have a luxury home in the next 10 years? Do not worry, this plan can be realized if you have insurance. Therefore, the premiums paid during the policy will be returned if the insurance is due. This return is recognized as an investment as well as savings in the future.
For the amount itself tends to be large, especially if premium payments are large every month and submission of claims is rarely done.
For the amount itself tends to be large, especially if premium payments are large every month and submission of claims is rarely done.
2. Effective Changing Wasteful Attitudes
Insurance premiums must be paid every month. If not, then this month's payment will be billed the following month which will indirectly make expenses swell. Not to mention added with daily expenses.
Obligations like this force you to be more careful in allocating income, so that expenditure items can be funded as a whole. Like it or not, you must immediately change the wasteful attitude so that financial conditions are not disturbed.
Obligations like this force you to be more careful in allocating income, so that expenditure items can be funded as a whole. Like it or not, you must immediately change the wasteful attitude so that financial conditions are not disturbed.
3. Can Be Used As Emergency Funds
The existence of insurance makes the allocation of emergency funds doubled. Therefore, insurance itself can be used to pay for expenses that are unexpected, such as accidents, illness, and damage to the insured assets.
However, the use of insurance is not as practical as an emergency fund because you have to submit a claim in advance so that the money in it can be disbursed. The claim process itself takes days. It is important for you to complete the requirements needed to speed up the claim process.
However, the use of insurance is not as practical as an emergency fund because you have to submit a claim in advance so that the money in it can be disbursed. The claim process itself takes days. It is important for you to complete the requirements needed to speed up the claim process.
4. Facilitate Loan Disbursement from Banks
Getting a loan from a bank is not easy. In addition to preparing documents, you also need to ensure that your credit history is current. If the credit history has a problem, the loan application will be automatically rejected.
But with insurance ownership, the loan disbursement process will be easier. Insurance can be used as collateral for a loan. If you are unable to repay a loan, the bank has the right to take over the money in the insurance.
But with insurance ownership, the loan disbursement process will be easier. Insurance can be used as collateral for a loan. If you are unable to repay a loan, the bank has the right to take over the money in the insurance.
5. As a Guarantee in Old Age
About 90% of employees in Indonesia are not ready to face retirement. This is because the level of concern for old age is still very minimal, so the desire to save in old age is often delayed.
Fortunately there are many insurance companies that offer products to guarantee old age with a very diverse premium costs. This insurance can be disbursed during retirement to finance basic needs and treatment in old age.
Fortunately there are many insurance companies that offer products to guarantee old age with a very diverse premium costs. This insurance can be disbursed during retirement to finance basic needs and treatment in old age.
6. Providing Relief and Calm
Insurance will make your life much more relieved and calm, especially when dealing with things that are uncertain. As for the losses arising from this uncertainty will largely be addressed by the insurance company, while the rest is your responsibility.
Although you still have to spend money, at least the amount spent is less than the amount that should be. As a result, you do not need to be confused looking for loans and increase debt.
Although you still have to spend money, at least the amount spent is less than the amount that should be. As a result, you do not need to be confused looking for loans and increase debt.
7. Tools for Paying Debt
Debt starts to pile up because you don't get paid? It's best to keep in mind when your insurance will be due. Because, the rest of the insurance premium will be returned by the insurance company when the insurance is due. You can use the money to pay part or all of the debt if the amount is sufficient.
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