Let's start protecting your health from now on to the future.
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Insurance is an umbrella of protection that can protect a person's income in the event of life risk. Life risks can come at any time and are unpredictable. Therefore, it is important for all of us to manage the risk of life by buying the right insurance product according to our needs and budget. The following are 3 types of insurance that must be owned while healthy and at a productive age.
Health Insurance
This insurance will pay for the risk of a person's life if he is sick and has to be hospitalized. This type of insurance coverage covers medical expenses, surgery, medicines, doctor visit bills, and the like. In other words, this insurance can replace expenses for medical expenses caused by illness or accident and can be paid directly or cashless using a card.
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Critical Illness Insurance
This insurance is insurance that provides protection to a person if a critical illness is diagnosed. The goal is for the person concerned to focus on treatment and the healing process. Critical illnesses include cancer, heart disease, stroke, kidney failure, spinal cord injury, diabetes, and many more. This type of insurance is lost income protection that will be paid by the insurance company to its customers.
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Life insurance
This type of insurance comes out when someone dies. Funds from this type of insurance will be paid to the insured's family, usually transferred to the heirs who have been appointed by the insured, namely husband/wife and children. The benefits of life insurance are used for the needs of living families, children's education costs, funeral costs, and others. Well, these three insurances should be owned while young and still in their productive age. Why? First, as a person gets older, of course, there will be a higher risk of developing a critical illness. Second, the premium price will be more expensive as a person gets older. Third, the older you are to have health insurance and critical illness, the more likely you are to be rejected by the insurance company, especially for someone who already has a history of serious illness and medical history. So, make sure you have these three insurances as early as possible. Because we never know when the risk of life will occur in life.