Types of Insurance You Must Have to Lighten Life Expenses
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Insurance that must be owned - Insurance is an investment that needs to be owned by everyone. Because, insurance has a very important function and can minimize bad risks that can occur at any time. By registering for insurance, you can further minimize your expenses and ease the burden of life. But, you must know that choosing insurance should not be originated. You must know the type of insurance that suits your needs.
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Types of Insurance You Must Have
1. Health insurance
the type of insurance that must be owned
Health insurance is the most widely used insurance for the people of Indonesia. With health insurance, the insured will get health insurance if they experience such an event as an injury, illness, disability, even death from an accident. Even though none of us wants to experience it, of course we also know the impact that must be borne for the incident.
So, the choice to use health insurance is a special concern for the community to be able to anticipate the adverse things that cannot be predicted. Insurance service providers will finance the health needs of each policy holder such as inpatient costs and operating costs. This type of health insurance can also be purchased by a third person.
2. Life Insurance
Life insurance aims to provide financial protection if the insured person dies. However, there are several insurance service providers who return the insured's funds before their death, and most others provide funds after the insured dies.
Life insurance can also be registered for a third person, and life insurance is one of the most important types of insurance because it will guarantee the life of the insured family after the insured person dies.
3. Residential Insurance
Home insurance aims to provide protection to homeowners for all losses related to their residence. Losses can include disasters such as fire, damage, floods, or other natural disasters that afflict the property of the insured. The insurance company will compensate for the money that can be used to rebuild the house.
4. Vehicle insurance
the type of insurance that must be owned
Vehicle insurance provides protection for injuries or damage to other people's vehicles which is caused by the vehicle of the insured. Vehicle insurance will also cover losses due to damage or loss of the insured's vehicle.
Type of vehicle insurance is divided into two, namely protection for loss only (total loss) or for all risks (all-risk). Usually, motor vehicle insurance can only be for loss (total loss), and all-risk protection applies only to cars.
5. Travel Insurance
Travel insurance is arguably a short-term insurance that applies only when the insured travels. The insured will get protection from travel insurance if an accident occurs while the trip is underway, and this type of insurance will cover the cost of the emergency treatment.
Not only applies to accidents, the risk of damaged or lost goods belonging to the insured will also get loss protection from the insurance service provider.
6. Total Permanent Disability Insurance
Total permanent disability insurance provides coverage to the insured party if they experience loss of limb function so they cannot continue work as usual. Provisions for total permanent disability insurance apply if the insured loses limb function caused by an accident or illness and has lasted for 6 months from the time the accident occurred.
7. Pregnancy and Childbirth Insurance
Pregnancy and childbirth insurance is an important type of insurance considering this moment will risk the life of the mother and child. Pregnancy and childbirth insurance will provide protection if the mother has to be hospitalized because of certain conditions.
Pregnancy and childbirth insurance includes pre and postpartum coverage, the cost of a normal or caesarean delivery, to complications of pregnancy (if you have a miscarriage or are required to be hospitalized due to these complications).
