There is one thing that always faced by every human being in this world, which is the risk. The risk is always there because of our ignorance of the conditions that will occur in the future. Because it is so, they will make every choice into two sides that are running simultaneously and in tandem, ie the risks and benefits side. For example, if we decide to use a car, then we will avoid the risk of rain and heat. But we will meet with the risk of accidents and damage to the car. Another example, if we decide to work hard, then we probably would benefit by getting more money, but we are faced with the risk of disease due to lack maintain body condition. The question is whether the risk be reduced?
The concept of insurance came upon this need, in which every man needs peace in his life. And generally, people feel the serenity that when he realized that they were on the path that contain little or minimal risk. And the insurance business is to bridge this, where someone can divert dihadapinyake risk insurance company. To get coverage of the risks it faces, the person must pay a premium to the insurance company in which its magnitude depends on the size of the transferred risk to the insurer (insurance company).
Definition of general insurance is an agreement in which the person makes a bond with the insured to receive a premium to provide a reimbursement to the insured for any risk of loss, damage, or loss which may be experienced as a result of unexpected events.
By taking an insurance product, then someone will be more calm in their activities. One does not need to think about the risks that might arise from an event, because some of these risks have been transferred to insurance companies.
In this article will only be discussed further on insurance related to the man himself, such as life insurance, health insurance, and unit-linked insurance.
LIFE INSURANCE
Life insurance is the oldest insurance products in Indonesia. This type of insurance will provide some compensation sum to the beneficiary who abandoned if the client or the insured mennggal world either because of illness or accident. This insurance shall be held by someone in the productive and have a family. So if there something that is not desired, then the deceased would also leave and bequeath a sum of money sufficient to meet the housing needs tanga or run still run plan family members left behind, especially children.
Life insurance made up of a variety of products and enhancements (riders). Generally, life insurance is divided into 2 types, namely life insurance term life and whole life insurance.
Type of term life insurance to ensure policyholders are protected within a certain period, say 10 to 30 years. Example: Mr A type of term life insurance buy term of 20 years at the age of 29 years. Concerned will be protected by insurance until age 49 years. If the father died in the intervening 20 years since he took the insurance policy, then the soul will be given compensation to heirs. Conversely, if a father died at age 49 years have past (beyond the 20 years since the insurance policy was taken), it is concerned will not receive any compensation for the soul.
Type of whole life insurance (for life) to protect policyholders who died, not tied to the age of the death.
During the fixed insurance premium paid, the insurance policy will always provide protection. This type of insurance whole life more desirable by the society, especially also in insuring the children connect the value of the premium when a young age is quite cheap and this value remains the same during the life of the child until the age of adulthood.
Term life insurance types that have a certain period of time, offering a cheaper premium several times higher than whole life insurance types.
HEALTH INSURANCE
Health insurance risk transfer destined for hospital fees, examination fees, and treatment if an insured has a particular disease.
This insurance is felt necessary for people to expect certain standards of health care facilities that may be needed in the future. When this has been a lot of companies that provide health insurance facilities for its employees.
UNIT LINK INSURANCE
This insurance product is an insurance product which is a combination of various products of life and health insurance with investment features in one package. There are at least 3 (three) unit-linked insurance excess when compared with other types of insurance, namely investment pililhan diverse, a combination of insurance and an attractive investment in a single package, and a high level of flexibility.
In link unit customers are given freedom in choosing the type of investment. Whether customers prefer the kind of investment that has high risk, medium or low. In addition, customers are also given the freedom to change the allocation of funds in the future.
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