Jakarta, CNBC Indonesia – Changes in society during the Covid-19 pandemic and the importance of protection in the midst of uncertainty raises concerns from the economic and health side, so risk mitigation is needed for each individual.
For this reason, it is very important to prepare family finances through insurance protection. Life insurance has a role in helping the family’s financial resilience. Simply put, insurance will provide long-term protection that includes financial planning in the future.
In choosing an investment, of course, you must choose wisely to adjust insurance to your needs, such as in case of a pandemic situation.
Here are three tips for choosing the right insurance:
1. Get to know the insurance provider well
Prospective customers can first get acquainted with the insurance provider, including being able to see how their commitment and performance has been so far. It is very important to look at the background of a credible and trusted insurance company, especially in terms of customer claim payment commitments.
In addition, the variety of products that suit your needs also needs to be studied carefully. By doing so, it is hoped that prospective customers can choose the right insurance product for their future protection.
2. Choosing the right insurance
Prospective customers should determine the purpose of having insurance, whether long-term protection, investment considerations, and so on. For this reason, it is important to first study insurance products and do research on insurance companies in order to choose a company that is financially strong and has a good reputation.
Customers can also estimate when is the right time to start having insurance. This will depend on the various needs of prospective customers. For example, the protection needs of young families will certainly not be the same as the needs of professionals who are still single. That’s why insurance products are also known as personal products.
3. Learn about Investment in Insurance
There are two types of insurance products that are most often heard of and have the most demand, namely Traditional Insurance Products or often referred to as Protection Insurance Products and Investment-Linked Insurance Products (PAYDI) or commonly known as Unit Link Insurance Products.
The return on investment in unit-linked products is not guaranteed because it depends on the movement of the capital market. Even so, under any conditions, unit link still provides life and health protection in accordance with the benefits that customers have.
Those are 3 tips before choosing insurance. Armed with this, of course, you don’t need to worry about choosing insurance anymore to prevent bad possibilities during the Covid-19 pandemic which is still rampant.
In addition, insurance also continues to play a role in supporting the Government in dealing with the pandemic. For example, one of the leading life insurance companies in Indonesia, AIA, launched the ‘Healthy for the Nation’ movement which was initiated to provide a quick response to help deal with the pandemic in the community.
Through Healthy for the Country, AIA has contributed to the provision of beds for the Covid-19 Special Hospital at the Hajj Dormitory, Jakarta. In addition, AIA also initiated a sports program where if the community participates, AIA will convert this participation into donations which will be distributed to provide oxygen and medical supplies for hospitals and health centers spread across five provinces in Indonesia.
Furthermore, for customers who have or have just wanted a vaccine, AIA also has a protection program to give you a sense of security from Adverse Events after Immunization (AEFI). For more detailed information, please check the AIA Indonesia website.
(rah/rah)
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