Humans have different requirements at each stage of his life. Starting from the time of birth, childhood, adolescence, and adulthood and so on until old age. For that reason, the need for insurance is also different at every stage of life. Then, how to choose insurance that suits your needs and stages of our lives?. Here are reviews of insurance needs according to the stages of life.
1. Insurance needs at the time of
birth.
Insurance program
that can be followed by applicants who want the benefits of labor costs is
health insurance maternity care.
The
downside of this product is not able to stand alone, but is an additional
benefit of hospitalization insurance as the main product.
Health
insurance reimburse inpatient treatment rooms, ICU rooms, surgical rooms,
drugs, medical devices, lab, x-ray, supporting diagnostig, anesthesia physician
services, ambulance, and administration. It
also reimburse the cost of physician services and inpatient laboratory before
and after hospitalization cost control. Limit
the benefits available in a variety of treatment options based on the room
rates per day.
2.Insurance needs in
childhood and adolescence.
Children
and adolescents typically have the following characteristics:
• Status in general good
health.
•
The majority of student status.
• Classified
risk taker
This
type of insurance is right for children and adolescents with these characters
can be broken down as follows:
a. Health Insurance.
b. Personal Accident Insurance.
3.Insurance
needs in adulthood and working as an employee
People
who grew up and worked normally have the following characteristic:
•
relatively good health status
• The
opportunities will come around 20 years or more
•
Revenue was little to moderate
• Savings is still
relatively small to medium
•
Home ownership, there are still rent and some already have
•
Attitudes toward moderate risk.
This
type of insurance is right for people with these characteristics are:
a.Personal Accident Insurance
b.Health Insurance
d.Hajj Insurance Fund
e.Insurance Pension Fund.
4.Insurance requirements after
marriage
This
type of insurance for people who are married and have people who become
dependents can be described as follows:
a. Insurance Education Fund
b.Health Insurance
c.Residential Fire Insurance
5.Insurance needs as an executive
In
general, the characteristics of an executive is as follows:
•
State health began to deteriorate
• Future
work will come around 10 years or more
•
relatively good financial condition
•
Attitudes towards personal risk is between moderates and conservatives
•
Attitudes towards investment risk among moderate and risk taker
This
type of insurance is right for executives is as follows:
a.Insurance Professionals
b.Travel Insurance
c.Investment Linked
d.Insurance Pension Fund
6.Insurance needs as an entrepreneur
a. Property Insurance : Property All Risks Insurance
b. Insurance
Freight : Marine Cargo, Air Cargo, Land Transit, and Marine Hull Insurance
c. Engineering Insurance
d. Workers' Compensation Insurance / WCI
e. Public
Liability Insurance and Product Liability Insurance
f. Employ Benefit
g. Responsibility for People
7. Insurance needs when pension
a. Annuity program
b. Retirement Health Insurance
c. Endowment Insurance
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