Insurance is an agreement in which the insurance company is willing to bear the losses suffered by the customer if something happens, such as death, accident, or falling ill. As a condition, the customer must pay a premium first. Basically, the insurance benefit is a safeguard in the future. In addition, there are many other insurance benefits. Unfortunately, many Indonesians do not have insurance for various reasons, including not understanding, not being interested, to not understanding the benefits of insurance. Therefore, this time Tokopedia will explore more about insurance benefits and benefits.
Benefits of Having Insurance
Sense of secure
The most basic insurance benefit is that it gives you a sense of security. If you have registered with accident, death, or health insurance, you will feel safer if these unwanted events occur. Why? Because you don’t have to think about how to bear the losses or payments needed. Everything will be borne by the insurance company.
Efficient Fund Management
It is recommended that every family or individual has an unexpected fund to use in times of emergency. The post of these funds may be divided again, starting from the unexpected health fund, the unexpected education fund, the unexpected death / accident fund, and so on. The function of insurance at times like this is to be a back-up for such unexpected funds. By registering for insurance, you don’t have to bother managing the flow of money in and out of these unexpected fund posts. Everything has been arranged by the insurance company.
Old Age Savings
Many do not understand that the benefits of insurance can also be used as savings. In certain life insurance products, if the death has not occurred, the funds will be returned to the customer after reaching the agreed year. Or, customers can also request a refund according to the agreement that has been made. The amount of funds returned is usually greater than the premium paid. This can be used as retirement savings or retirement savings, so you don’t have to depend on your children or extended family.
Another insurance benefit is to provide protection for customers. A good insurance company will embrace and help customers if a disaster occurs, so that customers are protected from various types of losses that may occur.
Assistance for Families
If something happened to you suddenly, such as getting sick or dying, and your family didn’t have any financial preparation to deal with it, what would happen? They will likely feel confused. Not to mention if you are a source of family income. Times like this are the benefits of insurance needed. By having insurance, this doesn’t need to happen. The use of insurance is to ensure that the wife or children still have a source of funds to survive if the backbone of the family experiences a disaster.
A good business entity must have insurance. The function of business entity insurance is to guarantee the company’s finances if one day the company experiences financial problems or goes bankrupt. That way, employees will still get their rights, namely the salary for their work. How, is the company you work for covered by insurance, Toppers?
Bank Loans Easier
Banks usually provide many prerequisites before customers can apply for a loan. If you are known to be registered with insurance, the bank will usually find it easier to allow you to apply for a loan with insurance as collateral.