Disasters cannot be predicted when they will occur. This is felt by thousands of residents in one place, for example, who are worried about the condition of the volcano, which is currently on an alert level. The eruption of a volcano located in an area is indeed predicted by the Center for Volcanology and Geological Hazard Mitigation, it is only a matter of time.
This means that at any time the volcano could potentially erupt and spill hot lava. Therefore they fled, seeking shelter from the impending disaster. Earthquakes often occur in the Volcano and surrounding areas, residents evacuate, they hope to save themselves, family members, and some property that can still be saved before the eruption occurs.
The safety of life is paramount, especially when considering the volcanic eruptions in the past which claimed a thousand lives and various damage left behind.
Indeed, we cannot prevent natural disasters from happening because everything is the power of God Almighty, what we can do is reduce the impact of natural disasters that will happen to us. How to? Of course, we must have protection against ourselves and our property, namely by having insurance.
The Importance of Insurance in Anticipating Natural Disasters
The impact of natural disasters is felt immediately by the victims. Among them the emergence of losses both material losses, financial losses, to the loss of loved ones. However, will you surrenderSurrender The sale of the policy to the Insurer is equal to the Cash Value that has been formed at the time the policy sale is made. and accept all these losses? In fact, there are ways to anticipate all of that.
Anticipation steps from losses caused by natural disasters are to take insurance, especially for people who live in mountainous areas, whether active or not, and areas prone to natural disasters such as landslides and earthquakes.
By having insurance, you will get financial protection for the risks that occur. So, there will be a compensation fee for the losses suffered. Then, what types of insurance should be owned to anticipate natural disasters? This is the choice.
Important Insurance Choices for Anticipating Natural Disasters No.1
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Have Life Insurance
This type of insurance is very important for someone to have as protection for his life. Note that by using life insurance, a person’s life will be safe from disaster, but the heirsHeir The name of the person listed in the insurance policy as the party receiving compensation in the event of death to the Insured. of the insuredInsured A person who is legally listed in the insurance policy to receive benefits from the policy. A person whose life/health is covered in accordance with an insurance agreement or contract. will get financial protection if the insured dies.
As an illustration, the lowest value of life insurance coverage given to heirs is USD 5000 – USD 10000. Just imagine if the insured is the breadwinner of the family, when he is gone, who will pay for all the needs of his family? By taking life insurance, the insured seems to continue to support his family through insurance protection funds from the insurance provided per month.
Important Insurance Choices for Anticipating Natural Disasters No.2
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Have Health Insurance
The arrival of a disaster is sometimes accompanied by the presence of a plague of disease that haunts, for example, a flood that can cause cholera and malaria, or a volcanic eruption whose smoke can cause asthma and shortness of breath.
Therefore, as a measure to anticipate the disease brought by the disaster, health insurance is the solution. With health insurance, we get comprehensive health protection against the risk of disease.
Do you want to lose your property because of the disaster, do you want to damage your health too? Not to mention the cost of treatment is getting longer, just getting higher. This health insurance will cover everything from hospital fees, doctors, to medicines.
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Important Insurance Choices for Anticipating Natural Disasters No.3
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Have Motor Vehicle Insurance
In addition to having protection for your body, also add protection to the vehicle. This is of course done so as not to experience big losses if suddenly a riskRisk Risk is a loss that occurs to the insured individual or object. Various bad possibilities could happen to someone. in the form of a natural disaster also erodes the vehicle owned.
With car insurance, to get protection against natural disasters, (in terms of vehicle insurance called the God Act), an expansion of protection is needed. What is that? Expansion of insurance is the addition of other risksRisk Risk is a loss that occurs to the insured individual or object. Various bad possibilities could happen to someone. borne by the insurerInsurer A person who is legally listed in the insurance policy to make premium payments for that policy..
In general, motor vehicle insurance only protects against repair costs due to an accident, or loss. Therefore, make sure in advance that the insured vehicle has received a guaranteeWarranty Statement A statement issued by a potential customer regarding the condition of the person or thing insured. from the expansion of protection from natural disasters.
Important Insurance Choices for Anticipating Natural Disasters No.4
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Have Property Insurance
The house is the most important asset in life. In addition, owning a house is a primary need for every human being that must be met. You certainly don’t want the house you’ve been dreaming of for a long time to be damaged or even destroyed by a natural disaster. Can you imagine how much the repair will cost?
Therefore, to protect your primary property assets, special insurance companies provide insurance products in the form of property insurance that provides financial protection for your home.
Later, this insurance will cover the cost of damage to the house if it is exposed to risks, such as fire, flood, earthquake, explosion, smoke, plane crash, and so on.
Not only that but with home insurance, there is also an option to provide protection for the contents of the house. This means that valuables in the house can also be covered for damage and loss if something unexpected happens.
Important Insurance Choices for Anticipating Natural Disasters No.5
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Have Agricultural Insurance
This type of insurance is also important to have, especially for those of you who work as farmers and have large fields. Approaching the harvest season, it is impossible to predict the risks that could occur, such as pests, crop failure, and even natural disasters that will damage agricultural crops.
Agricultural insurance will provide financial protection for your agricultural land if something unexpected happens. In addition, now the expansion of agricultural insurance also includes livestock insurance. So not only plants that can be protected by insurance, but also animals.
The Conclusion
Let’s Have Insurance As Needed.
After knowing the importance of insurance and the types of insurance that are important to have as a precaution against natural disasters that can come at any time, choose the insurance that best suits your needs. In addition, also choose a premiumPremium The money that must be paid at a certain time is the obligation of the insurance policyholder. The amount of premium paid is determined by the policy and approval of the insurance company in accordance with the conditions of the insured. The nominal payment approved by policyholders and insurance companies. Premium payment will be made according to the agreement, it can be monthly, yearly, or according to the agreement. that fits in your pocket so you don’t make it difficult for finances later.
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