Who wants to be sick? Surely no one expects to get sick, even more during the productive age. But the name of disaster or misfortune can happen to anyone.
For entrepreneurs with non-permanent income or budget, excellent body condition greatly affects the size of the income they get. A true entrepreneur usually already knows what to do to avoid losing income when falling ill, especially sick at work. So how to save money? one way is to protect yourself with the right insurance product. This type of insurance in the category of income protection insurance that must be prepared well in advance. Here's the full review:
For entrepreneurs with non-permanent income or budget, excellent body condition greatly affects the size of the income they get. A true entrepreneur usually already knows what to do to avoid losing income when falling ill, especially sick at work. So how to save money? one way is to protect yourself with the right insurance product. This type of insurance in the category of income protection insurance that must be prepared well in advance. Here's the full review:
Revenue Protection Insurance, An Effort to Anticipate Stable Fixed Income While Sick
Prepare for illness when healthy, so the sage tells people to always be vigilant, and remember to prepare for the sick just when we are healthy. This proverb seems very fitting with the way of having income protection insurance that is intended as a protection for this kind of thing, you need to well-known your budget to save your money. So, while youo sick at work, the following are the ins and outs of income protection insurance that are important to know.
- Revenue Protection Insurance Helps Participants to Work Back
Insurance of income protection provides insurance coverage to clients when sick or affected by illness to be able to work again or until retirement. In short, the policyholder of income protection insurance will benefit from this insurance when it can not work because of illness or a particular disaster
- There is a Waiting Period
One of the characteristics of insurance with the type of income protection is the waiting period or waiting period until the liquid guarantee money. Typically, the insurance policyholder can set his own grace period until the money melamine liquid.
- Old Waiting Period Related to the amount of Premium to be paid
The waiting period is closely related to the amount of premium to be paid. The longer the waiting period the premium to be paid will be lower.
- Revenue Protection Insurance is Anticipatory
The purpose of anticipative here is the policyholder is prepared by registering on his own name where the premiums paid when healthy, so that in the event of an accident or fall ill then the claim can be filed.
- Insurance Objects Unlike Life Insurance
There may be some who think that the type of income protection insurance equals pure life insurance. That is not true. The main difference is in the dependent object.
When life insurance, the claim will be liquid to the appointed party (also referred to as the heir), while for the insurance of income protection, the claim will be liquid to the policyholder.On how to save money, Thus it is the nature of replacing the amount of income that is usually obtained from work.
Having income protection insurance is very precise, let alone where everything in a dynamic all-round with an instant lifestyle that could have made people vulnerable to diseases that can reduce the ability to work. Getting the benefits that can replace the amount of income that can be obtained from work is the main purpose of this insurance. That's how to save money.
Before you decide to take this insurance product, there are factors that must be known in advance as follows.
When life insurance, the claim will be liquid to the appointed party (also referred to as the heir), while for the insurance of income protection, the claim will be liquid to the policyholder.On how to save money, Thus it is the nature of replacing the amount of income that is usually obtained from work.
Having income protection insurance is very precise, let alone where everything in a dynamic all-round with an instant lifestyle that could have made people vulnerable to diseases that can reduce the ability to work. Getting the benefits that can replace the amount of income that can be obtained from work is the main purpose of this insurance. That's how to save money.
Before you decide to take this insurance product, there are factors that must be known in advance as follows.
Before Being Tempted to Take Benefit from Revenue Protection Insurance, Recognize The Factors Behind This One Insurance
Choosing any insurance, there are factors related to the characteristics of the insurance that must be known, and your budget especially to save your money. By knowing this, then at the time of filing a claim is expected there will be no obstacles. The following are the main factors of income protection insurance that must be known.
- Age
As a prospective user of insurance, age becomes one of the fundamental considerations of insurance companies to calculate the number of premiums that will be charged. Included also for the type of income protection insurance. The age of the prospective customer becomes the first determinant factor of the premium amount to be paid.
- Waiting Period (Waiting Period)
One of the unique characteristics of income protection insurance is the waiting period. This directly affects the amount of premium that must be paid. For example, if someone wants to get a sum assured a few days after being sentenced to suffer from a disease that causes to be unable to work will be more expensive, rather than a waiting period ranging from one month or more.
- Health History and Job Type
Another thing that is also a fundamental factor is the health history of the client and the type of work that is acted. Medical history is indicated by the results of medical examination, as well as from the form of stuffing that shows a person's lifestyle. For example, if a person smokes or enrolls when the disease has entered an advanced stage will certainly be subject to a larger premium.
Similarly, the type of work. Persons with physical occupational types. For example, construction workers or other physical jobs may also be subject to higher premiums than office workers or other non-physical occupations.
Similarly, the type of work. Persons with physical occupational types. For example, construction workers or other physical jobs may also be subject to higher premiums than office workers or other non-physical occupations.
- Coverage Level and Duration of Insurance Period
As insurance that provides coverage as a substitute for income when a person fell ill, this type of insurance has a different degree of coverage. Particularly related to when the sum assured will be completely liquid related to the stage of illness suffered by the customer during illness.
In addition, the length of coverage is also calculated and related to the premium to be paid each month. The longer the premium, the more expensive. For the choice there are usually two, the first until someone can return to activity as before, or until retirement.
Income protection insurance is perfect, especially for the type of work involving the physical where the risk of occupational accidents or illness due to fatigue and other factors can be very possible. Of course before the choice, as a prospective customer, we must ask in detail so as not to reap the disappointment or confusion in the future.
In addition, the length of coverage is also calculated and related to the premium to be paid each month. The longer the premium, the more expensive. For the choice there are usually two, the first until someone can return to activity as before, or until retirement.
Income protection insurance is perfect, especially for the type of work involving the physical where the risk of occupational accidents or illness due to fatigue and other factors can be very possible. Of course before the choice, as a prospective customer, we must ask in detail so as not to reap the disappointment or confusion in the future.
Protection Insurance as Additional Protection
With your budget, on how to save moneyThe amount of insurance benefit of this income protection could be the solution when you sick. Especially in Indonesia today this type of insurance has begun to be introduced and socialized by some insurance companies to the public. Although still limited to some types of work only, it never hurts not to ask our insurance agent trust about this insurance program.
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