Asuransi Whole Life

11 May

Saya lihat sudah ada banyak yang menjelaskan mengenai macam-macam jenis asuransi dan saya pun pernah menjelaskannya cuma dalam bahasa inggris waktu itu.

Disini saya hanya ingin berbagi pengetahuan lebih detail mengenai produk asuransi whole life yang selama ini mungkin banyak orang belum pernah dengar atau masih bingung, jenis asuransi apalagi itu, krn selama ini taunya hanya asuransi unit link.

Asuransi Whole Life, sangat populer di negara2 seperti Jepang, Amerika dan Eropa; produk ini sangat menguntungkan jika dibeli oleh kaum muda (usia 1-65 tahun). Selain memiliki unsur tabungan dengan bunga yang cukup menarik, bukan termasuk objek pajak dan dijamin oleh Pemerintah melalui Undang-Undang. Produk ini menarik bagi para kaum muda karena selain memberikan manfaat perlindungan seumur hidup (sampai tertanggung berusia 100tahun); apabila tertanggung hidup sampai usia 100tahun maka ia akan menerima kembali uang tunai sejumlah Uang Pertanggungan yang dia beli. Anda mungkin sering lihat orang Asuransi bilang Uang Kecil beli Uang Besar, produk inilah yang dimaksud.

Apa sih keunggulan produk tradisional seperti ini jika dibandingkan dengan produk asuransi yg sekarang banyak dikenal (unit link)?

Perbedaan mendasar adalah produk ini memberikan Nilai Tunai Dijamin (yang nilainya meningkat seiring dengan usia, sampai batas maksimum sejumlah UP yg dibeli), sedangkan unit link menawarkan Nilai Investasi (yg nilainya bisa naik ataupun turun, tergantung dari performa pasar saham unit link yg dipilih).

Oleh karena perbedaan mendasar tersebut maka secara otomatis perbedaan lainnya adalah TIDAK ADAnya potongan biaya2 pada produk asuransi Whole Life, seperti :
1. Biaya Akuisisi
2. Biaya Administrasi Bulanan
3. Biaya Manajemen Investasi
4. Biaya Asuransi Jiwa Bulanan
5. Biaya Peralihan (Switching)
6. Biaya Penarikan (Wihdrawal)
7. Biaya Lain-lain

Nah kalo sudah bahas keunggulannya, kekurangannya apa? Ada plus pasti ada minus dong.

Nah yang mungkin dianggap kekurangan bagi banyak agen mungkin ini : Produk Asuransi Whole Life tidak seperti Produk Asuransi Unit Link yang bisa memberikan Nilai Pengembalian Lebih daripada Uang Pertanggungan yang dibeli. Jadi, kalo beli Unit Link anda bisa lihat Estimasi Nilai Investasi sampai beratus-ratus juta bahkan bermilyar-milyar sampai trilyunan hanya dengan membayar 10 tahun misalnya; pada produk Asuransi Whole Life, nilai uangnya paling maksimal adalah sebesar Uang Pertanggungan.

Pada Asuransi Unit Link, kepastian akan keberlangsungan Rencana Perlindungan Keluarga Anda tergantung dari beberapa faktor penting diantaranya adalah nilai unit yg naik turun dan besarnya potongan biaya2 dimana beberapa biaya bahkan ikut meningkat seiring usia. Kalau nilai unit investasi sudah tidak mencukupi maka ada kemungkinan kontrak polis akan berakhir. Dimana berarti berakhir pula perlindungan yang direncanakan buat keluarga Anda.

Pada Asuransi Whole Life, keberlangsungan perlindungan keluarga Anda tergantung dari pelunasan premi yang masa bayarnya sesuai dengan kontrak asuransi. Kalo tidak dilunasi maka ada kemungkinan polis akan berakhir dan berakhir jugalah perlindungan yang direncanakan buat keluarga Anda.

Bagi seorang kepala keluarga/pencari nafkah yang sedang mencari asuransi perlindungan untuk keluarga, Asuransi Whole Life bisa menjadi solusi yg tepat buat Rencana Perlindungan Keluarga Anda. Terutama bagi keluarga muda.

Sekian dari saya, semoga bermanfaat.

Steviani CPA, CFP®

Advertisements

Good Bye 2015 and Welcome 2016

22 Jan

Good Bye 2015 and Welcome 2016.

It may be a late New Year post but anyway, I still want to write something about it.

2015 is a highlight for me.

It started of with the busy-ness preparing for the biggest event I ever become part of; Asia Pacific Life Insurance Congress and Kampoeng Cerdas Keuangan which was held in Bali, 23-26 March 2015. To work with lots of people, meet new friends from around the world and being responsible for an international event like this one is a new level up for my experience.

After that, from April 2015, the year was filled with lots and lots of learning and knowledge sharing from member of CPA Australia and Financial Planner Community of Indonesia.

Special thanks to Imelda Tarigan from CIMB Securities and Budi Raharjo from OneShildt who make formation of Financial Planner Community of Indonesia possible and always with open heart let us use their place to make the advance learning classes for the Financial Planner Community of Indonesia  possible throughout the year for free. Also for everyone who has willingly sharing knowledge and experience with us throughout the year, our Financial Planners, namely Venna W., Joannes W., Imelda Tarigan, Steviani, Reni K. Ashuri, Astrie Dewi, Subur Harahap, Mourits Rompa (twice last year, thanks heaps Pak Mourits!). Looking forward to 2016 FP Community of Indonesia meetings.

CPA Australia in 2015 begin the year with a breakfast dialogue at Mercantile from our CPA members who work at Frisian Flag Indonesia i.e. Tom Van Der Lee CPA and Nghia Trinh (Simon) CPA. Along the year, more breakfast dialogue and seminars was held. Two of the outstanding events I attended was the 2 days seminar  at Mulia Hotel, about Darwinism and also signing MoU between CPA Australia and Ikatan Akuntan Publik Indonesia (IAPI), and 2015 CPA Indonesia Gala Dinner which is attended by CPA Australia Director, President and Chairman of The Board, Graeme Wade FCPA and am happily witnessing the graduation of my 1st CPA Mentee, Romaine Pierru CPA. Thank you to CPA Australia Indonesia officers, especially Retty Setiawan and Aida Sukseswati, who make all of this beneficial events available for free for CPA members in Indonesia.

Last but not least, for my family who have shared this 2015 journey with me and Sequis Life. Thank you for all of your love and continuous support throughout the year and made it possible for me to finish this year in a high note. For newly married couple in 2015 : Ivan & Anastasia, Purnama & Livia, Elbert & Daisy, I wish you three couples a peaceful, blessed marriage life with tiny little babies this year or next year to bring more joy and happiness to the family. For new members of this world, Moreno and Dexter Dianto, may you grow with great health and happiness forever. I greatly appreciate all of your support and looking forward to give it back to you in folds this year and years ahead.

For 2016 lots of planning has been made. If things go as planned, my Kumon franchise will begin this year and I will start working with little children learning basic mathematics. I am so looking forward to it!

Thank you for everyone who is reading this and I wish you all the best in 2016.

Best wishes,

Steviani CPA, CFP

image

 

Kena Demam Berdarah

26 Nov

Puji Tuhan untuk kesembuhan yang telah saya alami dari penyakit Demam Berdarah selama 10 hari kemaren ini. Terima kasih untuk teman2 dan saudara2 yang telah datang berkunjung memberikan doa dan perhatian kepada saya selama saya dirawat di Rumah Sakit.

Siapa sangka cuma dengan satu gigitan nyamuk duit 23 juta bisa melayang. Kalo tidak sembuh, tidak cuma duit, nyawapun bisa ikutan melayang dan kalo urusan nyawa melayang, efek dominonya bisa kemana-mana tuh. Syukurlah kemaren ini semua biaya saya ditanggung asuransi Sequis Life, jadi saya bisa fokus ke penyembuhan tanpa harus khawatir mengenai masalah keuangan.

Penyakit Demam Berdarah yang saya alami berawal dari Demam yang tidak kunjung turun selama 3 hari, suhu tubuh selalu diatas 39 derajat. Udah pake antibiotik, ngga juga mau turun suhunya. Mulut pun mulai terasa pahit, kepala kadang2 sakit, tubuh sedikit terasa ngilu namun pindah2 sakitnya kadang di punggung kadang di lutut kaki, tidak jelas sakitnya dimana.

Hari ketiga kita lakukan tes darah di Lab Bio Medika. Tes darah lengkap, beserta hapus tenggorok, juga tes untuk demam berdarah dan tipus dilakukan. Hasilnya positif untuk demam berdarah, negatif untuk tipus. Langsung deh pulang ke rumah, beres2 baju, langsung menuju RS Grha Kedoya.

Kita buru2 ngungsi ke RS krn takutnya kedua anak yg masih balita di rumah bisa tertular kalo ada nyamuk yg kebetulan gigit saya nanti gigit mereka juga.

Setibanya di RS, ibu dan adik perempuan saya membantu mendaftarkan saya, lalu diminta ketemu dokter spesialis penyakit dalam agar selanjutnya bisa dibantu untuk rawat inap di RS tsb. 18 November 2015 saya berjodoh dengan seorang dokter penyakit dalam, dr. Eny Srijati Karjono, Sp.PD, yang kebetulan sedang praktek malam itu. Melalui pertolongan beliau, dimulai lah petualangan saya menginap 7 hari di RS Grha Kedoya, Jakarta Barat.

Dari ruangan dokter spesialis, saya dianter dengan kursi roda ke ruangan IGD. Disana ada dr. Ricky yang ngecek hasil lab saya sebelumnya, ada juga suster pria yg mulai memasangkan jarum untuk infus di tangan kiri juga mengambil darah untuk tes lab lebih lanjut di tangan kanan, ada juga bagian asuransi dari RS Grha Kedoya yang membantu administrasi rawat inap.

Saya diminta tanda tangan satu lembar pernyataan mau dirawat, lalu kartu asuransi Sequis saya dipinjam untuk digesekkan dan keluar kertas dari mesin EDC yg memberikan pernyataan persetujuan limit kamar  juga manfaat kesehatan Sesuai Tagihan. Tidak ada Uang Muka yg diminta, hanya kartu asuransinya dipinjam sbg jaminan.

Tidak lama, saya didorong bersama ranjangnya ke kamar VIP yang sudah saya pesan. Setibanya di kamar, datang dr. Rudy, katanya dokter jaga untuk malam itu. Halo2 perkenalan dokter Rudy dihargai 120rb untungnya hanya dikenakan 1x selama tinggal disana.

Untuk 7 hari berikutnya, rutinitas saya adalah ambil darah jam 6 pagi, lalu dokter visit, makan2 minum2 yang banyak dan tidur istirahat yang cukup.

Trombosit diawasi setiap hari. Selain makan obat dokter, keluarga juga bawain obat Fufang Ejiao yang bagus buat menaikkan trombosit katanya. Dibawain juga air rebusan obat cina Angkak, juga air kelapa hijau asli, masih juga minum air putih berbotol2. Rasanya onta juga kalah jumlah minumnya dibanding saya pas masuk RS kmrn ini.

Saat masuk trombosit saya 140 ribu dimana normalnya 150 ribu. Lalu hari-hari berikutnya mulai turun ke 117rb, 101rb, 73 rb.

Di saat trombosit 73 rb, kedua telapak tangan dan telapak kaki saya tiba2 memerah kayak kepiting rebus dan sangat gatal sekali, seakan2 ada ribuan atau jutaan semut berkerumun dan menggigiti kedua telapak tangan dan telapak kaki. Saya baca2 di internet, ada bbrp orang yang memang mengalami hal yg serupa dan tidak lama mereka sembuh.

Karena merah2 itu, dokter menyarankan saya di tes campak dan hasilnya menunjukkan Anti Rubela IgG +51 sedangkan Anti Rubela IgM -0.17. Artinya saya pernah kena campak dulu, dan sekarang tubuh sudah memiliki anti campak sendiri. Saat ini tidak ada campaknya. Berarti merah2 gatal itu bukanlah campak.

Harap2 cemas, besoknya hasil tes darah menunjukkan leukosit dari 1700 naik menjadi 2300, trombosit hanya naik 1000 jadi 74ribu. Nah….bener nih berarti kaki tangan gatel udah mau sembuh. Telapak kaki dan tangan masih terus gatal sepanjang hari. Dokter kasih obat minum dan salep, tidak terlalu berpengaruh.

Hari berikutnya lagi, trombosit mulai naik ke 98ribu, gatal2 di tangan dan kaki masih terasa tapi udah tidak semerah sebelumnya. Besok sudah boleh pulang kata Dokter Hendro Budijono, Sp. PD; suaminya dr. Eny, namun ortu saya melarang, tunggu sampai trombositnya normal kata mereka.

Besoknya trombosit tambah naik lagi ke 129 ribu, gatal2 di tangan dan kaki masih terasa tapi sudah berkurang jauh gatalnya. Saat dokter Eny berkunjung dikasih cerita bahwa konon emang ada mitos tidak bagus keluar dari RS hari Selasa atau Sabtu. Syerem deh ceritanya, jadi percaya aja deh.

Kemaren, saat hasil trombosit sudah 205ribu, saya boleh pulang. Jam 10.57 setelah visit terakhir dokter dan tutup tagihan, dari RS dikirimkan ke Sequis – Admedika, kurang dari 15 menit jam 11.11 Admedika langsung membalas dengan rincian biaya apa yg dicover dan tidak dicover. Saya tinggal tanda tangan di selembar kertas rincian biaya yg dicover dan tidak dicover, langsung  abis itu bisa pulang. Banyak orang mengeluh lama untuk keluar dari RS tapi syukurlah hal itu tidak saya alami kemaren ini.

Syukur juga pas sakit SUDAH punya asuransi Sequis yang memberikan manfaat sesuai tagihan. Biaya RS sebesar 23 juta, semuanya dicover kecuali excess biaya administrasi sebesar 750ribu. Ngga tau kenapa mahal bener tuh, biaya admin aja sampe 1.2jt, Sequis udah cover 500ribu jadi kita bayar sisanya. Yah bersyukur aja deh udah sembuh, semua dicover mulai dari kamar, obat2an, biaya dokter, infus, dll.

VIP di RS Grha Kedoya 1.250.000/malam, termasuk 1 tas amenities, peminjaman Handuk mandi, piyama ganti setiap hari, ganti sprei kasur dan sarung bantal setiap hari, makan pagi-siang-malam , masih ditambah snack 3 x sehari, cleaning service 3 x sehari (pagi siang malam), suster yang super gesit begitu dipencet tombol langsung datang ga pake lama. Fasilitas dan pelayanan sangat memuaskan.

Sekian pengalaman saya kena demam berdarah dan memakai fasilitas cashless asuransi kesehatan Sequis di RS Grha Kedoya, Jakarta Barat.

 

 

Millenium Gold Plus by Sequis Life

22 Jul

dollar

ONLY FOR PEOPLE WHO WANT THEIR MONEY TO WORK HARDER WITH LOW RISK.

IF you live in Jakarta, earning US Dollar and Planning to Invest your Money at a USD Cash Deposit in a Bank, you may realise that you are ONLY Earning a 1% or less interest with 20% final tax deducted from your interest; or maybe if you left it in USD Saving Account, you are earning a 0,01% interest with $1/month bank fees and again 20% final tax Deducted from your Savings. IF You have No Immediate Plan to use your cash, I would recommend you to check this one:

Sequis Life after its strategic partnership with Nippon Life from Japan has recently launched a Life Insurance product that can be Purchased by Indonesian and all Foreigners/Expatriate who work and stay in Indonesia with a valid KITAS/KITAP visa. Term Deposit locked in between 7-9 years with interest rate around 2%p.a., Tax Free, Authorised by Indonesia Financial Services Authority (OJK).

Product name : Millenium Gold Plus

Product information :

1. Entry Age : 1 month old – 65 years old

2. Currency : US Dollar

3. Payment Option : Annual (yearly)

4. Payment Period : 3, 4 or 5 years ( for Foreigner only available 3 and 4 years)

5. Minimum Annual Premium : US$5,000 / year

6. Life Insurance benefit and Deposit benefit – depending on your payment period :

a. Payment period : 3 years

Insurance benefit : 3,5 x Annual Premium , will be covered for 9 years

Deposit benefit : 3  x Annual Premum x 113,5% , Principal and Interest will be paid lump sum at the end of year 7

b. Payment period : 4 years

Insurance benefit : 4,5 x Annual Premium , will be covered for 10 years

Deposit benefit : 4  x Annual Premum x 116% , Principal and Interest will be paid lump sum at the end of year 8

c. Payment period : 5 years

Insurance benefit : 5,5 x Annual Premium , will be covered for 11 years

Deposit benefit : 5  x Annual Premum x 120% , Principal and Interest will be paid lump sum at the end of year 9

*>note : Maximum Life Insurance benefit for age 1 month – 50 y.o = US$350,000 while for age 51-65 y.o. = US$175,000

7. Underwriting : Non Medical

8. Fees and Charges : Once off $8 policy issuance fee. 

note : All rate and charges are correct as at the posting date. To get the latest update email steviani@gmail.com

Example : Mr. Sakamoto age 47 who work for Company XYZ at Cikarang is currently owning a $300,000 saving which is earning 0,01% p.a. with 20% final tax and $1/month. In a year his saving is increased by $30 interest before tax, deducted with $6 final tax and $12 bank fees, leaving Mr. Sakamoto with $12 annual net increase on his saving account. It would take him around 8 years to get a $100 interest.

Looking at Steviani website and read about Millenium Gold Plus, considering that he will not use the $300,000 savings in the next 7 years, Mr. Sakamoto decided to purchase the product with $50,000 premium per year and choose to pay for 3 years only.

He contacted Steviani by email to steviani@gmail.com and arrange a meeting to get a proposal and the application form. Within 3 days, they met, fill in the application form attaching copy of his current passport with valid KITAS visa. The following day Mr. Sakamoto arrange to transfer $50,000 into Sequis Life USD account at HSBC. Send proof of payment to Steviani by email.

Within 21 working days, the policy will be issued and when it issued, Steviani will again meet Mr. Sakamoto to give him his policy book and explain what is inside the book. Mr. Sakamoto will need to pay another $50,000 in 2016 and $50,000 in 2017. Total premium payment is $150,000 for 3 years ( $50,000 / year).

Say at 1 July 2015 the policy is issued, at 1 July 2022 Mr. Sakamoto will receive back his deposit with interest, a lump sum of $170,250. That is a deposit interest of $20,250 free of tax for a 7 year locked in deposit of $150,000.

After the deposit is matured and being paid out to Mr. Sakamoto there are still another 2 years Free Life Insurance protection with sum assured of $175,000 available to his beneficiaries ie., his beneficiaries will receive an additional cash amount of $175,000 as his family financial protection when Mr. Sakamoto is no longer available to support them in their life.

To Earn $12 per year on a full $300,000 OR Purchase Millenium Gold Plus with half the amount and Earning $20,250 after 7 years is all up to you.

You should have a careful consideration before deciding to purchase any financial product.

If you wish to Purchase this product or need Product Presentation please send me an email at steviani@gmail.com to arrange a meeting time either at your office or our office. Steviani working hour is Monday to Friday from 10 am – 4pm. Your email will be answered within 24 hours or 3 x 24 hours during weekend.

Happy Planning and Investing, Securing Your Own and Your Family Future.

Steviani CPA, CFP®, BKP, QWP

Licensed Insurance Agent of PT Asuransi Jiwa Sequis Life

wpid-att00297.jpg

Get insurance that suits YOUR LIFESTYLE!

22 May

“I’m sorry Mam, but your Health Insurance Card is only covering for room rate Rp.800.000,00 per night. Your Dad currently stay at Suite Room which rate is Rp.3.500.000,00 per night.”

Well that was a real conversation that I had few weeks ago at one hospital in Jakarta.

My Dad got a heart attack 2 weeks ago. He went to the hospital at night with my Mom and looking for a private room to get treatment. Unfortunately private rooms are full that night and the one available is either ICU or that 3.5mio Suite Room. He took that suite room.

The next day the doctor perform cardiac catheterization and found out one of the vein is narrowing thus decided my Dad will need a stent implanted in his heart then and there. He already got 4 stents, this is the fifth. Not only a heart stent, he also got an extra balloon on the same line. Goodness me, one stent cost about Rp.60.000.000,00 if you are wondering.

Stay in the hospital for 2 nights, one doctor visit, one surgery room for catheterization and angioplasty surgery, 1 stent and 1 balloon, 6 hours stay at ICU and take home medicine easily cost us almost Rp.150.000.000,00

Luckily my parents can afford to pay that bill.

Imagine if you are on the same situation. You are in an emergency situation to get a medical treatment but there is no room that suits your budget. So the choice either take the expensive room or get no medical treatment at all. I’m sure if you love your life dearly or someone else that is dear to you, you will most likely take that first option ie. stay at the expensive room even though you have no idea how you will ever be able to pay for the bill, their wellbeing will be your TOP Priority.

Many people in Indonesia don’t really know about Health Insurance. So when that critical time comes, their only option is either take out their life savings or borrow money from their family/friends. If they only knew there is a third option ie. Health Insurance. With a small amount of money you can save a lot and still get the medication treatment you need without worry of your financial future.

My parents remember that they ever buy a private health insurance so when they checked in to the hospital, the next thing they do is TO FIND THAT MAGIC CARD. THEY TOOK OUT ALL OF THEIR CARDS, HOPING TO FIND THAT ONE CARD WHICH WHEN THEY SWIPE, IT CAN PAY THE HOSPITAL BILL AND WONT STRIP OFF THEIR LIFE SAVINGS.

Good thing, she found it! She cant remember the cover she has because at that time she only bought it because her friends keep pestering her to buy. She took out the policy and find out that the insurance cover she bought was for room rate Rp.500.000,00 with very small benefit. Lucky there is another one provided by the company for room rate Rp.800.000,00 with a limited benefit which unfortunately they cant use because the room rate is too expensive compare to the card benefit so the hospital require the company to write a letter of guarantee. In the end, he have to pay it first and to get a reimbursement from two insurance companies later on.

Too much hassle isn’t it? Therefore I write this to let you know that if money is not a problem for you, PLEASE GET AN INSURANCE THAT SUITS YOUR LIFESTYLE. If you can pay ONLY 30 mio for a 150 mio bill, would you take it? I would.

As I wrote too many times, for people who already has a steady income, HEALTH INSURANCE is currently part of your LIFESTYLE. As your lifestyle increases, you might want to increase your Health and Life Insurance cover as well.

Trust me it is easier to increase your lifestyle than decreasing it.
Too many stories people can tell about huge medical bill changed their family lifestyle and most of it are not pretty. If you want to protect your lifestyle, I highly recommend you to get a Health and Life Insurance for yourself.

If you can not afford Private Health Insurance, you have to have at least cover from BPJS Kesehatan. With only less than Rp.50.000,00 you can get the same treatment which cost millions rupiah. Be smart with your money, get Insurance to protect yourself and your family from unnecessary financial distress.

Steviani, CPA, CFP®
wpid-att00297.jpg

Financial Planner Community of Indonesia

15 Apr

A new community of financial planners has emerge, happy to be part of it. First official member gathering Saturday, 18 April 2015 from 10am to 12pm at Pondok Indah. It will be a 2 hours full of new friends to meet and knowledge sharing. Best of all, it ‘s FREE!!!  😉

If you are a CERTIFIED FINANCIAL PLANNER and feel like looking for a new home or just new friends, come and join us! Will be happy to meet you all.

Steviani

image

Kampoeng Cerdas Keuangan, 23-26 March 2015, Bali Nusa Dua Convention Centre, Indonesia

13 Mar

Kampoeng Cerdas KeuanganAPLIC 15th, BNDCC, 23-26 March 2015

Knowledge is Power. Information is liberating. Education is the premise of progress, in every society, in every family. (Kofi Annan – World Bank Secretary-General – ‘Global Knowledge’97’)

Now, is the time for Indonesia, come to “Kampoeng Cerdas Keuangan,” open your mind, take knowledge, learn something new, take advantage of what is given to you for FREE. Get insight from the authorities (OJK), learn from the experts, take home the knowledge and make the best use of it, to give you and your family a better future!

For financial industry professionals, come to Asia Pacific Life Insurance Congress at Bali Nusa Dua Convention Centre to rejuvenate yourself, to remind yourself on what is important in this industries, in life. Let them remind you that Dreams Do Come True.  www.aplic2015-indonesia.com .