Wednesday, 16 March 2011

Benefit Using Health Insurance

Many people who hate the name of health insurance, no one expected that to be an insurance customer would lose money, and there are still many who think that if the gains can be obtained only if the customer dies. it is wrong but if we learned more in so many advantages that we can, not only financially but a sense of security because it is protected ..

Example:
Roberts is a smokers aged 25 years working as traders took one health insurance product (without card), with premiums 500.000/month (6 million / year) so that the get is :

1. Insurance Benefits
* Money amounting to 160 million insured dies
* Assistance in case of critical illness (34 critical eds) amounted to 40 million
* Sum insured died in an accident and permanent total disability of 100 million (if you die in an accident means that 100 million + 155 million = 255 million)
* If admitted, given the assistance 440.000/day hospitalization, ICU 880.000/day
* If there is surgery (complex) was helped 4.4 million
* If the customers affected by critical illness and then the customers stop saving tube will be filled by the company (6million/year) until the age of 65.


2. Cash Value Benefits (savings)
With a 10-year savings plan, then the cash value will be obtained are as follows (assuming the infestation tinggi/15%):
customers' current age of 25 years.
* Age to 34 -> 75.346.000
* Age to 44 -> 255.347.000
* Age to 54 -> 945.445.000
* Age to 59 -> 1.852.624.000

Because the 10-year savings plan, then the year 11 until the completion of the contract, the cash value (savings) will continue to grow every year.

Benefits of the cash value can be used to:
1. Pension funds (early retirement preparation)
2. Children's education fund
3. Emergency Fund
4. Other requirements

Insurance is not a financial disadvantage but your long term financial fix. most importantly self and family PROTECTION.
Why mention protection for families as well? such customers a head of household and family backbone, in case of sick or die, the family left behind will remain financially secure in terms of (the family gets the sum insured dies).
We do not know when we will be sick or even die, the early preparation should be done is for the sake of yourself and family. persiapaan bad things will happen should there in our minds, so that by the time we need, be ready. In contrast, if the time we need but have not prepared in advance

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