Talking about money when discussing this insurance especially health insurance I really often hear stories from two different sides maybe you are the same as me on the first side we often hear sweet stories from relatives A friend or maybe an insurance agent For example, there are people who have a critical illness and need to pay for medical expenses which are very expensive in the end they are helped because all costs or most of the costs are covered by insurance but on the other hand it is not uncommon for us to hear stories of concern that come From insurance customers, there is a story of a father who took insurance from 2012 and paid tens of thousands of insurance premiums every year, right in 2017 he had lymphoma, but his insurance claim application was rejected by the invoice.
There are also customers who buy insurance products as well as invest or unit link and promised big investment profits with the selling agent after a few years, the investment didn't increase, instead they experienced losses that could be said to be really big, and some even reported them to the police and for compensation, if you pay attention on some social media like Facebook, there are lots of groups that contains stories from customers who feel aggrieved by the insurer Wow, how can that be like that ? it's better if we just save it ourselves, in this video I want to discuss a few things about insurance. First, I want to talk about insurance schemes, especially health insurance. I'm also going to peel some important notes before you get health insurance for those of you who are thinking about taking case insurance hey, I hope this content is suitable for you, one thing that I Jenny is about this content, I promise I will not promote any insurance company in this video and purely provide neutral information for you.
Okay, first I want to discuss about the health insurance scheme, the concept of the size of health insurance cash. it is coverage for a number of treatment costs if there is a health risk so if we are sick the cost of treatment will be paid for, so the insurance can pay all of it or there are also those who pay part of it to get these benefits, we need to pay insurance premiums, some are every month, some are every years and the amount can vary greatly, so via this insurance company, they usually have policies that are very diverse and different from each other, starting from the coverage of any protection. protection coverage Yes, so each insurance has a different guarantee, some only cover hospitalization, some cover gastro-road hospitalization, some cover critical illness, some only treat ships in Indonesia, but some cover medical treatment in the country and everything else, the coverage depends on that.
The type of product we choose and how big is the premium commitment we want to pay, so it's very important for you to determine for yourself what exactly your needs are, so we don't just obey what the agent offers insurance, we have to be able to determine what our insurance needs are. Second, we will discuss the process of coins, for example, if we are sick, there is insurance that immediately pays for our treatment or care costs. This type is called health insurance. It's easy, we only need to bring a membership card. only from the insurance, the hospital will confirm it to pih I am insurance that the maintenance costs included in the insurance protection will be automatically paid by the insurer .
The second claim process is returns, so if we are sick, we have to pay first or provide for our treatment. continue to discuss the types of insurance in general, we can divide health insurance. So the first two categories are conventional or Sharia. sharia, whose basis is mutual protection and mutual assistance among fellow customers who are potentially at risk, now we will continue the second base category, namely pure insurance or traditional insurance and unit link insurance for traditional insurance, so the premium we pay is made by him It's just the insurance and generally we pay the premium fee, Angus will, if there is no risk, the unitlink transparency is insurance plus investment, so some of the money we pay will be channeled to pay insurance premiums and the other part will be passed on to mutual fund investment instruments Now that's the general scheme of health insurance, now I want to discuss how do we do it so that we can really get optimal benefits from insurance, what are the tips so that we avoid unscrupulous insurance agents who offer insurance products that don't suit our needs The first tip is to choose an insurance company that has a good reputation, how do you find out? It's really easy. You just want to inquire about the insurance company on social media, readers' letters or online news. Hello, we're careful. problem complaints u protest from the customer, usually the name of the insurance company that is in trouble, namely that again, how come there are no good insurance companies and usually good insurance, yes, there are very few complaints. This insurance will stand by and help us and make sure we have insurance services. Even if it's not someone we know well, try this agent.
This really has a good track record. What is your insurance like? For example, you want insurance that covers critical illness, you don't want it to cover hospitalization or you want it to cover outpatient care. In principle, we are the ones who know best and understand our needs the most, so we have to be integrated into insurance products like what do we want to take, don't let insurance products k we are even made one-sidedly by love insurance agents Why is that? Yes, because after all, insurance agents also have an interest in me getting commissions from the types of benefits they sell. It doesn't mean that all insurance agents are Christmas, so many insurance agents offer products that are right for you our needs. But basically, we should first understand what our needs really are. This last tip is related to insurance plus investment or unit link for unit link. You need to be extra careful with unit link offers from your insurance agent. Why is that because to be honest?
There are Hi there, there are many unscrupulous insurance agents who don't provide complete information or detailed information on their prospective customers and in the end it causes a lot of misunderstandings. You should know that there are quite a number of unscrupulous insurance agents who package this unit link as an investment instrument that promises certain benefits, even though the costs are high. hidden in asuras There can be a lot of unitlinks, starting from administrative acquisition costs, the cost of purchasing investment units, operational costs, not to mention the cost of the insurance premium itself.
That's what ultimately makes many customers wonder how come a unitlink investment can lose so much after so many years, even though it's it says investment but how come the money has actually decreased? You should also know that unit link is not the ideal place to invest. If you want to invest, just be an investment place that you can monitor and be flexible for you. Liquid is like a deposit in a mutual fund bank or stocks. Remember insurance and investment. they have different functions and goals, investment is for growing assets while insurance is for protecting us from potential risks in the future, both are good and both are useful. But it's better not to mix it up, okay? which is clearly not for investing If one day we can't afford it, I can pay the premix dues due to certain situations, some of the funds from this unit link can be used to allocate it for training costs. Funds from this unit link will also be used to keep things trending.
The insurance that we pay every year is fledge and keeps going up okay now the question is actually do we need insurance or not. Well, in my personal opinion , health insurance is mandatory to have at least BPJS Kesehatan, which is relatively cheap, the reason is simple, sooner or later as we get older our physical condition will it's getting lower and more vulnerable to getting sick, the cost of medical treatment, especially when it's critically ill, is really expensive. It could be that our savings have been waiting for years, just because of an illness or because of post-accident care . doesn't provide accurate information there are also several insurance companies whose customers are less credible and don't have good financial management, so we need to be more careful in making financial decisions, including reinsurance. I hope what I got here can be useful for you, see you in the next video the channel only talks about it because it doesn't stop talking about money Hi Ho
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