Check your cover money to see who needs which insurance. insurance story

    Hello, good news. Let's continue talking about insurance. In fact, in managing your money, it's an emergency fund and you should get insurance first before you start investing. Before we continue talking about insurance, what about you? I already have good insurance but didn't try to write in the comments. Today I wanted to talk about a person who went bankrupt due to medical expenses, so I looked it up yesterday, but why was BPJS created? Then I found a fact that really surprised me, yes folks in Indonesia 20% or 1 in 5 upper middle class but very wealthy people yes they are bankrupt. It's an information center, so it's 1/2. People get sick In fact, according to ASEAN Costs in Oncology, they can go bankrupt.

Check your cover money to see who needs which insurance. insurance story

    That's the remote version of the story. I also have a closer version of the story that my closest person went bankrupt due to a serious illness.I had a friend in Pontianak who had cancer and a tumor. They are very wealthy people, so it's normal for this disease to cost them hundreds of millions of dollars. Their families can't afford the insurance they have in the office, but it doesn't cover such a serious illness. So check, does your office insurance cover anything serious And serious illness or not? OK, let's get back to our friends. They were able to find his Rp. His 150 million fund via an online fundraising platform.

    The cash changed into received, however it is nevertheless now no longer enough, till now the remedy continues to be strolling and every so often they ought to search for debt right here and there. From this story, I discovered that being wholesome is valuable if we do not take exact care of it, even the ones people who aren't bad can fall bad and get sicker so coverage is for anybody who's wholesome if they're already sick, even coverage businesses do not need to simply accept it however sis, there are numerous styles of coverage, right? Select which one? begin shopping for consistent with the coverage pyramid those are three obligatory insurances that all of us you, me, he want to have first, medical health insurance for everyday ailments like dengue fever or typhus in case you have already got coverage from BPJS and from the workplace it is now no longer awful That method you have already got 2 layers, at satisfactory simply in case in case you're not running in an workplace or God forbid you are laid off, in case you're a freelancer or an entrepreneur, you've got got to shop for your personal medical health insurance, and the BPJS room kind is a most of sophistication 1 in which 1 room can accommodate 2-four people, so in case you need to improve to a VIP class, which incorporates 1 room, 1 man or woman or 2 people, you want to have medical health insurance from the second one personal sector, essential contamination coverage So, that is for sicknesses which are much less everyday, which include stroke, heart, most cancers or tumors, however coverage does not simply imply having pals is even greater depressing if for instance we've got already paid the premium.

    It's expensive, but if you want to spend it, it might be enough, and look for an insurance policy that covers the cost of critical illness.I'm looking for critical illness insurance. I am looking for Now, I already have these two compulsory insurances, and I also detailed them in this article today I would like to talk about the third insurance. If you already have a family in your family or depend on your income, you should get life insurance.

    Okay, inform us approximately who desires coverage. If we draw it, it is like this on the grounds that we had been born, in reality there's already a hazard of having a moderate or critical infection like a virus, the older we get, the larger the opportunities and dangers are in reality for the relaxation of our lives, from toddlers to vintage age, we want to have some thing known as it a medical health insurance and important infection coverage subsequent time whilst we're adults, mainly if there are humans we ought to pay for, as an instance our parents, or our small family, we want to have lifestyles coverage in order that at any time whilst we're known as upon through the Almighty the humans we adore and go away in the back of can nonetheless keep to stay in line with their lifestyle, as an instance, we do not have lifestyles coverage, right? Then there are moms withinside the village who stay off our cash transfers each month and God forbid, if we ought to cross home, are we able to believe our mom? How wouldn't it not be a pity if as an instance the mom has to paintings once more or maybe owes the buddies now that is the feature of lifestyles coverage then if we cross returned to who desires coverage what whilst we attain retirement age, we preferably have some thing known as a lifestyles coverage pension fund Actually, I do not actually need it anymore due to the fact the youngsters are grown up, I can locate paintings and I do not depend upon employers anymore we are hoping once more, the way to calculate retirement finances and the way is the funding method.

    We've covered this in this article, but now it's a good idea to try and calculate the respective insured amount. In the simplest case, only one piece of data is required. So, what is your annual income? The formula is your monthly income multiplied by 12 divided by your annual income. Soberly speaking, it's an income value based on several episodes of this insurance series. We are very pleased to partner with AstraLife Insurance E-Commerce ilovelife .co.id to campaign the Calculate Sum Insured or UP movement. Just count them first to find out how much you need.

    First, let's use the memory of a fixed-salary office worker. He is already 30 years old and his monthly income is his Rp. 10 million so multiply by 12 per year he will be 120 million rupiah Visit his website at ilovelife.co.id and click on the banner above to calculate the insurance amount. Next time you have money, enter your annual income of 120. If so, where would you invest? Bank deposit, ok, I'll try To select fixed income mutual funds, select them and click Count. Our life insurance seems to require 1.7 billion IDR, which is likely a mutual fund return. This fixed income is assumed to be 7% per annum, so if you manually divide the annual income of 120 million IDR by the 7% RDPT annual yield, it will be 1.7 billion IDR, so check how much the insurance premium is. I can do it. Let's enter data such as medical history, but we need to fill it honestly. If you are satisfied with your request, please enter your date of birth. History was 30 years old when I worked in this office. But for example his weight and height on Jan 1, 1980 also included his UP which calculated Rp. 1.

    OK, that means Rp. 400,000 per month divided by Rp. 10 million. Well, about 4% of our salary. All our insurance, health insurance, critical illness and mental illness premiums are ideally 10% of your income. Second, we are trying to talk about workers and entrepreneurs whose income is not fixed. If so, it is very important to keep track of your money coming in and going out as you can ask for your average income over the last 3 or 6 months.

    Until February it was a bit uphill with Rp.15 million but it decreased in March so the rest he got Rp.5 million and in April he got only Rp.3 million and in May Got Rp.8 million. We got Rp. 7 million, so add all this to Rp. 48 million, lasting for 6.6 months, I get Rp8 million per month, now Rp8 million per month, and multiplying this by 12 to get an annual income of Rp129.6 million, which is eight times. Now it's time to calculate your UP Go to the ilovelife.co.id website on your mobile phone Select the banner that looks like the UP calculation above, then scroll down and enter your annual income number 96 increase.

    Banks, UP life insurance needed now is Rp 1.73 billion. Also check your insurance. How much should I put in my date of birth? Everything remains the same and you can carry the same money per savings as before. Calculating Rp. 17.3 billion should be similar, so the premium is Rp. 5.2 million per year or Rp. 433,000 per month. Average income is 400,000, Rp. 8 million, maybe 5%. I hope that's pretty clear, okay? My only tip after seeing this article is to check the amount and premium you need. With the ilovelife.co.id site, Astra life insurance e-commerce doesn't have to be bad without a purchase. There are comparisons or benchmarks if there is another life insurance offer that fits your budget and needs. my referral code yes

    Would you like to talk about the key points to consider in an insurance policy, or let us know if you have any other ideas for your next line of insurance.In the comments, thank you for watching, and until the next article,

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