General Insurance Artinya – Life insurance and health insurance are two different types of insurance. Although both give you financial protection, there are 7 aspects that are the difference between life insurance and health insurance.
Being part of the type of insurance, of course, life insurance and health insurance have different meaning. Come on, we see understanding!
General Insurance Artinya
According to the NGO, life insurance is a “contract agreement between the policy holder (insured) and the insurance company (insurer), where the insurance company promises to provide payment based on the death of the insured or payment based on life of life insured with great The benefits are set and/or based on the results of fund management.
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Simply put, life insurance is an insurance product that will provide before -compensation under contract, if it cannot be provided for living more.
Because the disability concerned is also changing, namely because of sudden death, total permanent disability, and even unproductive conditions (very bad physical due to old age).
If you want to know in detail about life insurance, you can read it in this article: Providing Life: Definition, Types, Benefits, Terms and Selection Tips.
Health insurance is “insurance that provides guarantees for insurers to replace all medical costs that include hospital treatment costs, surgical costs and healing costs”, quoted the NGO website.
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In other words, this health insurance is an insurance product that will fund you if you get sick, whether you need hospital care or can be outpatient.
Life -wide insurance focuses on providing financial protection to heirs if the insured dies or loses the opportunity to earn a living (total permanent disability).
This insurance aims to protect the family from bankruptcy if the insured or police holder dies (usually family spine).
Imagine whether at any time, the family’s spine died and had no protection, of course the family would suffer financial difficulties as a result of loss of revenue resources.
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Unlike life insurance, health insurance actually focuses on providing financial protection for the insured itself when a medical event occurs, for example medical, guardian, outpatient, dental care.
What to remember, the insurance company can replace responsibility for financing your medical care as long as it is in accordance with the policy or the contract contract you have previously purchased. Therefore, it is very important to know the type of politics before buying.
Since the concentration of the offered protection is different, the benefits of the insured (police holder) will also be different. Here are the details:
Benefits given by life insurance in the form of cash with a certain amount in accordance with policy insurance (contract contract).
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However, since life insurance involves the death of the insured, those who receive this benefit are heirs or families whose names are registered in politics.
That is, you first pay, and then submit a request or compensation to the insurance company by presenting evidence of the necessary documents.
Insurance costs can also be called premiums. Let’s look at the difference in the cost of life insurance premiums with the next health insurance.
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This is because the risk of death tends to be lower when compared to the risk of illness or damage that interferes with the health and benefits of this insurance is given only once, respectively at the time of the insured.
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In addition, the cost of life insurance premiums is also influenced by various factors such as age, health conditions, lifestyle and several other factors. You can learn it deeper through this article: Know 5 factors that affect life insurance costs.
Health insurance premiums are usually higher as a result of expensive health care costs and the risk of illness or damage that tends to be higher.
Similar to life insurance, the cost of health insurance premiums can also vary depending on age, health conditions, lifestyle and the scope of selected benefits.
Although these factors also play a role in determining the price of life insurance premiums, it can be said that health insurance premiums tend to be more expensive.
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As we know, politics is a contract agreement between the insured and the insurance insurer. Since the type of insurance is only different, the types of policies of each insurance are also different. Come, see the explanation!
In addition to the provided name, the name of the heir or user will be written in the life insurance policy. This successor will later receive money for life insurance if the insured dies or has a permanent disability. The amount of coverage also varies depending on the policy signed.
If the insured dies during this period, the benefits will be paid, and if it is still alive when the period is over, you can choose to continue or complete politics.
Although the two can be invested, but the main change of life insurance for life by connecting the life insurance unit lies in the approach of the insured.
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If the insured has limited access to life insurance for life, insurance of the Life Insurance Unit actually has a more free approach to determine the type of investment for their premiums.
Providing lifestyle of the unit’s links provides flexibility in choosing investment, changing the distribution and regulating the portfolio according to your financial needs and goals.
This insurance gives the benefits of the death and value of money and bonus if the insured is still alive until the end of the policy period.
This insurance is convenient for those who want to combine life protection by saving children or preparing pension funds, especially in the era of production.
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Health insurance users are insured or the owner himself. The benefits of health insurance can be felt directly when needed, be it
If you have certain diseases that require special care, the price of premiums will be higher. So, it is best to know the types of health insurance policies in order to choose protection according to your needs.
This policy is intended for individuals to provide financial protection against personal health. The insured as a policy holder has to pay a regular premium and receive benefits in the form of paying for medical tariffs involved in politics.
This policy is provided by entrepreneurs or organizations for employees or members. This generally has a lower premium because the risk is divided among group members.
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This policy benefits if the police officer is diagnosed with a critical disease that is defined in politics, such as cancer,
Following the different types of policies between life insurance and health insurance, these are the provisions of the validity period in each insurance.
The duration of this period of validity is also different in each type of life insurance policy. For example, life insurance policies for life implemented during the insured. Providing a future life that has a certain period of validity, such as 10, 20 and 30 years.
Another case of health insurance. This insurance has a period of validity of the policy that tends to be shorter, as for several years that can be extended as needed.
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Since the benefits of this insurance are in the form of cash, the insurance company offers several types of life insurance that have an investment element, such as the Life Insurance Unit and the Life Insurance Unit.
When providing life to the unit, the premium paid by the insured (police holder) can be invested in various financial instruments, such as stocks, bonds or investment funds.
This return to investment can affect the value of policy money and the benefits paid for insurance or heir in the future.
In principle, health insurance has no important investment element. The health insurance policy focuses more on paying the costs of health and medical care needed during the period of policy validity.
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Heirs as users are required to provide the necessary files, such as death certificates, CTP data, M -R and application forms. For other files, usually depends on the insurance provider’s policy.
Unlike life insurance aimed at heirs as users, health insurance is dedicated to protecting the insured (police carrier) from medical risk.
Once you knew the 7 differences between life insurance and health insurance, you are no longer confused, or do you not distinguish it?
Week requires the author to use reliable resources in each article. These resources include scientific research, government data, company internal data, original reports and expert interviews in the relevant industry. If necessary, we also receive research references from trusted publishers. Often known as the provision of the loss of the Allianz, where the types of insurance offered here are very complete and varied.
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There are many insurance products circulating on the market. One of them is general insurance. The concept of general insurance/loss proved to be as old as human civilization itself. That is, it can be said that insurance activities are one of the most important things in human life.
Security is an attempt to pass the risks to others. If danger arises, the other side will endure. If not insured, the person concerned will retain the risk on their own. If that happens, the person in question will lose money.
An example of a disaster of fire. If the price of the home building and its contents is for Rp. Savings of children’s school fees can later be sold to renew the house. The incident would not happen if the person concerned would buy a fire insurance policy.
. Knowledge restrictions do not make many people who have general insurance. In fact, if you have a wealth, a business or everything that has a risk of loss, then you really need general insurance.
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Is insurance that provides benefits in the form of compensation for insurers in case of damage, loss, loss of their property. With general insurance, you can avoid losses or reduce losses to a minimum if there is a risk.
Indonesia insurance offers two types of insurance, namely life insurance and general insurance. Simply put, life insurance provides protection for financial losses due to death, whose benefits are felt by heirs. Since general insurance provides protection for losses whose benefits are given to insurers.
The concept of providing loss is essentially no different from life insurance, namely efforts to protect the load on the risk of the guarantor. Life insurance and losses differ only from the subject to be protected.
They both provide protection against the risk of financial losses. However, the benefits of life insurance can only be felt by temporary heirs
