In times like today, insurance is an unavoidable necessity. However, if you are a novice worker, of course, not all insurance products must be taken. Know, the most important thing for novice workers when choosing an insurance product is a matter of prioritizing.
Financial experts recommend first ranking the most urgent needs. The reason is, if all products are considered important, it means that none of them are really important.
When planning finances, first understand the scale of priorities. Instead, identify every need because even though it’s called insurance, it doesn’t mean you have to take everything.
After the identification process and needs analysis have been carried out, the next step is to set aside about 10% of the total income to purchase certain types of insurance. If the above is successfully practiced properly, then the term not having a budget to simply buy premiumsPremium 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. or insurance products will no longer exist.
Insurance benefits for novice workers
Actually, insurance is a form of anticipation of various events that may be experienced in the future. For example, illness that requires hospitalization, accident, or death. You could say, insurance is an alternative to overcome all the costs of losing yourself, your family, and the assets you own.
That is, there is a sense of security in yourself as 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. party. Because, you will feel more confident because this life has been well protected. In fact, there are countermeasures for all forms of risk that will be faced later. Thus, you can focus more on carrying out daily activities while minimizing anxiety.
In addition, insurance can provide certainty and play a role in minimizing all forms of loss. It is said to be a giver of certainty, because many as insurance owners you clearly know how much and how much riskRisk Risk is a loss that occurs to the insured individual or object. Various bad possibilities could happen to someone. and value are covered.
Another benefit of having certain types of insurance is a place to save as well as invest. Know, there are several nominal premiums that must be paid every month and will not be lost if you never make a claimClaim The demands are given by the insurance policyholder to get the right properly so that the insurer pays the conditions according to the existing procedure..
In insurance there is a term that is quite popular, namely, unit link. This term refers to your opportunity to invest in mutual fund instruments in addition to saving for protection purposes.
Not to forget, another benefit of insurance is a solution to situations that could be undesirable in the business being carried out. For example, the place of business experienced a fire, was destroyed, and so on.
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The most appropriate type of insurance for novice workers
The following are the types of insurance products most needed by novice workers, including:
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Accident insurance
This insurance product is only an option for those of you who have high-risk jobs. Of course, this kind of work requires extra protection, not just taking advantage of the services of employment insurance from the government.
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Health insurance
Generally, every worker must receive facilities in the form of health insurance from his workplace. However, it should also be noted that not all health costs are covered by office insurance.
This is what makes health insurance one of the most popular insurance products for people in several countries. The benefits provided, such as health care costs when experiencing certain diseases. Generally, this one insurance covers many risks such as illness, minorMinor Policyholders who are under 21 years of age. or serious injury, disability, hospitalization, to death due to an accident.
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Fire insurance
This insurance is usually included when you take the initiative to make a home loan and the installment has not been paid off. Of course, this kind of insurance is a mandatory requirement provided by the banking sector. But when it’s paid off, you can buy the product and pay the 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. voluntarily.
Basically, fire insurance premiums are relatively affordable. Especially if the location of the residence is in a fire safe zone.
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Life insurance
As the name suggests, life insurance provides financial coverage for the insured in the event of death. Of course, this insurance product can be registered for yourself or your family and other people who are used as third parties. For example, parents insure themselves so that when death occurs, the entire coverage will be given to the child.
The Conclusion
Insurance is the best protection in the event of a disaster
Disasters can certainly happen at any time, be it illness, accident, or loss of property. Instinctively, no one would want to experience such an incident. However, if it must happen, everyone should provide an umbrella before the rain or prepare all possibilities in order to minimize the impact.
One of the easiest preparations to do is with insurance, especially for novice workers. For the type itself, be sure to adjust it to your needs.
Don’t hesitate to look for information related to the selected insurance, from the company’s reputation to the benefits provided. That way, you can more easily determine which type of insurance is the most suitable and according to your needs.
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