Compare Health Insurance (Part 2)

17 Apr

“Education is the most powerful weapon which you can use to change the world.” – Nelson Mandela –

I may not know Nelson Mandela really well, but I do share the same view and believe that education is the only way to change the world. I’ve met some people through my insurance business and I have met so many people who refuse to take insurance because THEY BELIEVE that insurance is a fraud business. THEY BELIEVE that all insurance agents are cheaters. As a newbie, it was quite shocking to found out that they have hold this believe for more than 10, 20 and some even 30 to 40 years.

It is not my job nor my interest to change their belief. All I want is for them to help themselves and their family, by lending their ears and open their mind to accept the correct information about insurance, to know how it works, how it can keep their children to reach their dreams, how it can help bereaved spouse to build their life back, how it can maintain your lifestyle when you are unable to work and how it can support your retirement time. I want them to know that in this modern world, insurance is nothing but just an ordinary tools that is able to protect their family from financial distress when life risks happen.

Though I say ordinary, it is actually extra ordinary. How extra ordinary? Let’s read this article posted at Kompas newspaper on 30th of December 2012.

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Continuing from my previous post about stretching your dollar further, how much do you think it cost to get that medical benefit of 800million rupiahs? If you are 60 years old, it will only cost you Rp.43.000.000,00, taken from your savings to pay the premium in order to receive that medical benefit of Rp800.000.000,00 (your insurance pay that amount).

Once you are sick and get hospitalised, when the hospital asked you to pay the bill 800 million rupiahs, YOU HAVE TO PAY THE BILL NO MATTER WHAT! While some people prefer to cash out their deposits, take out their savings, borrow from their neighbor/boss/family, sell their car/gold/house, some other people are lucky enough to have insurance that pays everything AS CHARGED like that lucky woman above.

Sounds like fraud? I hate to tell you this, but that woman just BUY AN INSURANCE PRODUCT and she get what she pay for : Medical Cover AS CHARGED, a life insurance cover and a peace of mind ^_^ 

Steviani, CPA, CFP®, 2013 Sequislife ICON, MDRT.

 

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