Many insurance products offered, however you may thus confused, what type of insurance a must have and which type of insurance is actually not very priorities. This is the answer.
Insurance: Where are the priority and not
It all depends on the needs, "said Mohammad Firm financial planner from the Financial to the QM smart wallet. In General, it is recommended to have insurance because of its usefulness as a risk of diversion. But when asked which type of insurance, compulsory belonged to, Fast says, it all depends on the needs of each individual.
He gave an example, to people who have income and dependents, then compulsory insurance is the share of life insurance. This type of insurance is in charge of replacing the lost revenue when the owner dies. With a replacement income, then the family left kept feel financially secure. "Children can still remain school, the couple also could still would be sure his needs," said Teguh.
Another case with a person who is still single. Although he has had an income, but if you don't have dependents, then it has not been necessary to have life insurance. It would be better if the money allocated for other things.
If the recommended life insurance Firm for the people of yan had a dependent and have an income, then another case with health insurance. According to him, this type of insurance must be owned by all the people. Why? Because of the risk of developing health problems can happen to anyone, with any status and whenever.
It is also by Andy diamini Nugroho, a financial planner from MRE Financial & Business Advisory. "Even should, be subject to the new first ill have health insurance. But perception behind, got health insurance used to be just in case when the pain comes, "he said. That's because health insurance will help ease the burden of health costs to be borne. Even greater benefits, namely insurance that will menaggung the financial burden caused by the pain.
Speaking of needs, then Andy, also agreed that the priority of insurance ownership should also be seen from their needs. When one man who has been married and has assets in the form of a car, then it is recommended in addition to life insurance and health insurance, then the vehicle is also required.
Once again, the Insurance Act as over risk. On car ownership, the risk that may occur is the accident that could result in a broken car. Well, if a disaster occurs, then the asuransilah will replace the repair costs.
If the last is already dealing with the priority of insurance, then the insurance, what is not? Andy exemplifies the health insurance. Wait a minute, is Andy is double health insurance cover.
He illustrates like this, to an employee, generally health insurance dues have been paid by the company. That is, the transfer of health financing had already been fulfilled. But a lot of Genesis, despite already having health insurance from a company work, a person still has other health insurance. The reason for the double cover.
"But often it happens, she has other health insurance because it's not tasty or ati equal brothers, a friend who became agents," he said. According to him, if indeed feel unnecessary, you should dare to say no. Because who knows the priority ownership insurance for you and your family are your own.