Tips for Choosing Insurance for Beginners to Pay Attention to

Who doesn’t want to have a healthy and happy body? Of course almost everyone wants this. However, as humans we cannot predict what will happen in the future. To be able to avoid these risks, you must have a solution and make the right decision.

Currently, there are many insurance products in Indonesia and they offer a variety of products. The main purpose of insurance is protection, namely protecting your health, life, family and even your vehicle. 

If you are still young and don’t know about insurance information, you don’t need to worry because you can get information on social media, blogs, or YouTube. Furthermore, if you are still confused about choosing insurance, you can see the complete information below:

View the Insurance Company’s Track Record

The first life insurance tip for beginners is to pay attention to the track record of the insurance company you choose. Life insurance has a long term usage period. You have to check whether the company’s finances are stable and check whether the company can be trusted or not.

Furthermore, you can also check the insurance company from the registration procedure and whether the insurance company is registered with the Financial Services Authority (OJK) or not. You can also look for information about the company’s credibility on social media, blogs or look for reviews on YouTube.

Choose Insurance Premiums According to Financial Capabilities 

Tips for choosing insurance for beginners is to choose an insurance product that suits your financial capabilities. Some young people have a high lifestyle without thinking about the future. It is not uncommon for some young people to get caught up in a high lifestyle and forget to prepare for the future.

As a young person, it’s a good idea for you to do good family planning. You must prepare a health and mental plan so as not to burden other people in the future. You can allocate your insurance premium budget according to your financial capabilities. Don’t let insurance premiums disrupt your finances.

Don’t Delay Buying Insurance

The next tip for choosing insurance for beginners is not to delay buying insurance. Some young people do not buy insurance because they feel they will not get direct benefits. If you buy an insurance product in old age, the premium price becomes more expensive because insurance companies usually require a medical check-up to check your health before getting insurance. 

Health conditions can also affect the price of insurance product premiums. Therefore, make sure you buy insurance products at a young age while you are still healthy.

Insurance Products that Suit Your Needs

The most appropriate insurance tip for beginners is to buy insurance products according to your needs. There are many insurance products ranging from Health Insurance, Life Insurance, Education Insurance to Vehicle Insurance. Make sure you choose an insurance product according to your needs. 

Furthermore, it’s a good idea not to buy insurance products with lots of additional features that you don’t actually need because it will increase the premium price.

So, those are 4 tips for choosing insurance for beginners that you can use as a reference. Don’t forget to choose insurance that has many benefits. One insurance that has many benefits is Zurich Proteksi 8 Insurance.

Zurich Proteksi 8 is a modern life insurance that not only provides life protection for 8 years but also a premium return of 108% at the end of the protection period. This product will provide a return of premiums when the policy has ended. As a result, you will get benefits even though you don’t accept any risks.

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