Having a healthy body and a happy family life is everyone's dream. However, there are unexpected things that can happen in the future, both good and bad. To prepare for this uncertainty, you need to prepare protection so that if you or your family experience health problems due to illness, accidents and the risk of death, these events do not disrupt your financial condition.
Currently, there are many insurance companies in Indonesia and offer various kinds of products. The main purpose of insurance is protection, namely protecting your health, life, family and valuable assets. With so many insurance products available, of course you have to be more careful in choosing insurance products before deciding to have insurance protection for you and your family.
How to Choose an Insurance Product that Suits Your Needs?
When choosing an insurance product, the first thing you have to do is understand your needs. Make sure you buy insurance products because you need them, not just because you follow other people, feel bad about getting offers from people closest to you or fall for the lure offered.
Another thing to pay attention to is, if you are going to pay premiums every month on a regular basis, you have to adjust it to your needs and ability to pay. Because you can feel burdened if the premiums paid are not adjusted to your financial conditions.
Another effort that you can make is to make financial planning, so that you can make financial allocations that can be adjusted to your financial capabilities. So that monthly premium payments do not disrupt your finances.
Get to know insurance companies that can be trusted
Insurance is a part of the financial industry that is based primarily on trust. To be able to get insurance protection services according to your needs properly, it is also important to pay attention to the credibility of the insurance company.
Take the time to do research first to find out if there are any cases involving customers of the insurance company. You can use the internet to find out the track record of an insurance company. The first and important thing you have to do when choosing an insurance company is to ensure that the company is registered with the Financial Services Authority (OJK).
After knowing your protection needs and choosing a trusted insurance company, you must also know your obligations as a customer before buying an insurance policy.
Your obligations as a customer include;
- You must ensure that the type of insurance you choose suits your needs and financial capabilities.
- Fill out and sign the insurance application form or application in good faith (utmost good faith), honestly and completely.
- Documents and information submitted must be accurate, honest, clear and not misleading.
- Read and understand all the provisions stated in the insurance agreement (policy) carefully.
- Make premium payments on time according to the provisions.
- Pay other costs that may arise in accordance with the insurance agreement, for example fines for late payment of premiums and others.
All of these obligations are an important part so that the insurance company can provide maximum protection to you and your family. Make sure you ask the marketer about the insurance you have chosen in detail, and you also know what facilities you get by having this insurance, as well as the premium obligations required. must be paid.
You as a customer are required to read the complete agreement document that you agreed to with the insurance company before you sign the agreement.
Because, if it turns out that the insurance product does not match your needs and abilities, then there are several risks that you will have to face, namely:
- The risks experienced are not covered by the insurance company due to insufficient protection. Because each insurance product has different benefits, make sure you understand the benefits of the insurance you choose.
- Discrepancies in health conditions can prevent you from getting maximum protection, and can result in your insurance claim being rejected when submitting a treatment claim.
- Dissatisfaction and loss of trust in insurance companies is mostly caused by the benefits obtained not being appropriate to the circumstances.
Currently, there are various choices of insurance protection products, it is your obligation to choose an insurance product that suits your needs. You can consider making Manulife your family's protection. With the right protection you don't need to worry about risks that may occur in the future.
