Already a dream of every parent to see his children getting a decent education and high education degree. However, the high cost of living and education in the present severe challenges that need to be anticipated early on.
Unlike the preparation of pension funds that could still be postponed or overcome by entrepreneurship, certainly Education Fund should be prepared away today, because when a child age 7 years old, he entered the level of basic education, i.e. primary school (elementary school). After graduating from ELEMENTARY SCHOOL then continued with the high school and then College. Not to mention when the parents were about to enter her son first to pre-school education.
In addition to calculating the cost of education that is needed at every level of education are taken, parents also need to take into consideration the increase in the cost of education in preparing Education Fund needed fruit of your heart. Based on surveys of the Central Bureau of statistics (BPS) in February 2014, mentioned that the education cost inflation is included into a group of 0.28% in its growth.
One of the solutions was wise to anticipate a rise in the cost of the education is to have insurance to education. No question about it, in this life, various unexpected risks can impinge on anyone and at any time; that will certainly impede the realization of dreams in planning for can reach the aspired to civic. By having insurance education, you can take the scheduled investment funds (generally upon schools) and in addition, you will get the benefit of protection. The function dwiguna is becoming one of the advantages in having the insurance education. And if the policyholder dies, then the sum assured (UP) will be paid to the beneficiary or beneficiaries in accordance with the provisions set forth in the policy.
The insurance company will manage and invest the portion of the premium that you pay. Instead of managing your money, the insurance company will provide some funds that the magnitude of the already agreed in the insurance policy. Payment time schedule tailored to your child's school time.
Smart Education
Education insurance product is sold through agents who provide benefits funding educational stages costs and payments at regular intervals. Smart Education also provide protection if the policyholder or the insured dies. The sum assured is payable if the deceased because of an accident is of 200%, while if it wasn't for the crash by 100%. If this happens, then the risks insured be free premium and benefits Education Fund remains payable. How to pay for the premiums can monthly, annual or lump sum. You'll get a free premium benefits at the time of the acceptance stage of the Education Fund. In addition this product also provides an allowance for fruit to your heart at the time in college.
Smart Solutions
Education insurance products are sold through bank BNI Education Fund which provides benefits in the form of fees and payment stages at regular intervals. Smart solutions provide protection if the insured dies. If this happens, then the risk insured premium be free and permanent Education Fund paid on schedule. How to pay for the premiums can monthly, quarterly, semiannual or annual. Smart solutions can also be added with the additional insurance benefit (raider), namely accident insurance, futures and health insurance.
Wadiah Scholar
Education insurance product is designed in accordance with Sharia principles, clean of maysir (gambling), gharar (uncertainty) and riba (usury). Wadiah Scholar provide protection if the insured dies. If this happens, then the risk insured premium be free and permanent Education Fund paid on schedule. If the grantee dies then paid 10% of the sum assured. Further benefits of the Education Fund forwarded by replacing the new grantee. Preminyapun flexible ways of payment. This product is sold through an agent BNI Life scattered in various cities in Indonesia.