There are various routines that we do every morning before starting our activities, including:
- Have breakfast and take multivitamins to keep your immune system up
- Check motorcycle/car tires
- Check engine & fuel for motorbikes/cars
- Wearing a helmet when going to ride a motorbike
- Putting on a seat belt while driving in a car
This routine is done as a preparation to stay safe and comfortable during activities, especially when traveling. However, with this routine is it enough to protect yourself if you experience unpleasant events?
The answer is no.
Often we are very protective of personal assets, but forget to provide protection for ourselves. In fact, personal health and safety are the most important assets so that activities can continue.
How much do we provide protection when experiencing misfortune while on the move? This is where insurance takes a role to provide protection, especially Personal Accident Insurance. The benefits will be felt not only for you, but also for your family. Especially if you act as a breadwinner at home. Insurance will provide financial coverage, to lighten your burden.
What benefits does Personal Accident Insurance provide?
- Medical treatment costs
- Coverage in the event of a disability
- Coverage if you die
Of the many insurance companies, which one should you choose?
Well, before buying insurance, follow these 5 important tips:
1. Choose a Company that Has a Positive Reputation
The number of insurance companies must make it difficult for us to make a choice. However, in today's digital era, it is very easy to do research on various things, especially the company's reputation.
One thing that can be used as a reference is to make sure you choose an insurance company that is registered and supervised by the Financial Services Authority (OJK) to avoid fraud.
Friends, you can visit the OJK website to get information on which insurance companies have registered. Regarding the positive reputation, you can also visit the sites of each company, to validate the related company information, yes.
2. Make a Comparison
Don't hesitate to compare each Personal Accident Insurance product, especially in terms of the ease of purchasing the product, the benefits provided, and the ease of access when you need to submit a claim.
Usually, we can make a claim through an agent, Customer Service, or fill out an online form found on each insurance company's website. For comparative research, you can also do a test, namely by contacting the customer service of each company, so that you will get a guarantee of comfort if you have to file a claim later.
3. Don't Procrastinate
The best time to have insurance is now, as soon as possible. Not tomorrow, next week, next month, or next year. If you have the opportunity to get the insurance product you need, let's register immediately so that the protection can be activated quickly.
Because whatever our activities, it is possible to experience unpleasant events, such as falling or slipping. If all these misfortunes can be covered by insurance, why dig into the savings?
4. Choose As Needed
Each insurance company product comes with a variety of tempting benefits and will certainly be useful to protect our activities. There are products with 10 benefits, even though we only need 3 benefits.
You need to know, the benefits/guarantees are directly proportional to the premium price paid. It would be wiser if we choose product benefits that suit our needs, and make sure the premium value paid meets our financial capabilities.
Relax, insurance definitely has a variety of products with benefits that can be adjusted to the customer's ability to pay premiums, so it doesn't burden expenses. Don't hesitate to ask to get as complete information as possible, OK!
5. Ease of Claim
Good or bad insurance products will depend on the services provided. In this case, starting from the convenience when buying, the benefits provided, to the ease of claims that customers will get.
This last point is always a benchmark, because it is at this stage that financial compensation coverage will be provided by the insurance company to its customers. Do not hesitate to research the claim process carried out by each insurance product. The more transparent the contact information for submitting claims, of course, it will be a consideration for friends to choose their products.
Insurance is not a scourge or a product that burdens friends, therefore before deciding to choose a product, you should do research and compare each product from each insurance company.