Asuransi Penyakit Kritis: Tradisional atau Unit Link?
Apabila anda membaca FAQ saya tentang asuransi sebelumnya, anda mungkin ingat bahwa saya memang merekomendasikan asuransi tradisional untuk perlindungan jiwa, namun sebaliknya merekomendasikan asuransi unit link untuk proteksi kesehatan.
Namun untuk asuransi penyakit kritis, sayapun tidak bisa memihak kedua kubu karena plus minus dari keduanya cukup seimbang, akhirnya kembali ke selera masing-masing saja.
Berangkat dari pertimbangan tersebut, dalam tulisan kali ini saya dibantu oleh rekan saya Sonny Caesar Octario, seorang CFP® (Certified Financial Planner) yang bekerjasama dengan Prudential Indonesia, asuransi yang perusahaannya paling besar di Indonesia. Kita akan membahas pertimbangan serta kelebihan dan kekurangan asuransi penyakit kritis, baik tradisional maupun unit link.
Latar Belakang
Sampai tahun 2020, hanya satu perusahaan asuransi terkemuka yang menyediakan asuransi penyakit kritis model whole life, sehingga bila anda menginginkan produk spesifik seperti itu, pilihan anda hanya satu perusahaan.
Namun sepertinya, entah karena blog ini atau karena banyak permintaan pada umumnya, mendadak dua perusahaan asuransi terbesar di Indonesia bersaing meluncurkan produk asuransi penyakit kritis tradisional yang bersifat seumur hidup.
Hal ini tentunya membuat persaingan dan perbandingan semakin sulit dilakukan, karena dulu hanya ada satu pilihan dan sekarang malah menjadi medan pertandingan. Kita tidak perlu membahas spesifik kekurangan dan kelebihan ketiga produk tersebut, namun kita akan kupas tuntas skema mana yang lebih tepat bagi setiap orang, dan tergantung dari faktor apa saja.
Kelebihan Asuransi Penyakit Kritis Tradisional
Penuh Kepastian
Sama seperti asuransi jiwa seumur hidup, skema pembayaran dalam asuransi penyakit kritis tradisional juga memberikan kepastian atas hal-hal dibawah ini:
- Berapa total uang yang akan kita keluarkan
- Berapa lama kita harus membayar
- Berapa uang pertanggungannya dan apa saja manfaatnya
Hal tersebut karena kontrak berlaku seumur hidup namun pembayaran diselesaikan dalam beberapa tahun setelah polis dibuka. Berbeda dengan unit link yang memiliki risiko lapse (status polis & manfaatnya menjadi beku) ataupun keharusan melakukan topup bila nilai investasi tergerus.
Tidak Butuh Manajemen Aktif
Manajemen aktif yang dimaksud disini adalah memantau nilai investasi secara teliti dan melakukan switching, redirection, maupun topup secara strategis demi memaksimalkan retur dari unit link. Retur memang tidak diharapkan memberikan keuntungan finansial, namun setidaknya bisa menutupi kenaikan biaya asuransi setiap tahunnya.
Ilustrasi pembukaan polis tidak pernah menjamin tingkat retur dimasa depan, namun banyak dari nasabah asuransi yang terkecoh dengan ilustrasi tersebut, menganggap bahwa selama polis dibayarkan rutin, maka proteksi aktif seumur hidup. Banyak agen menggunakan ilustrasi retur unit link saham 14% pertahun, padahal hal ini hampir mustahil terjadi. Unit link saham sebagus apapun tidak mungkin mencetak 14% setahun secara konsisten tanpa memiliki penurunan harga sama sekali.
Kenyataan berkata sebaliknya, bila agen asuransi anda kurang mahir menyusun rencana pembayaran premi, atau anda kurang beruntung dari segi investasi (misalnya harga unit linknya terus turun), maka tidak menutup kemungkinan polis anda lapse (tutup paksa) sekalipun anda membayar polis secara rutin. Hal ini kemungkinannya lebih tinggi bila anda sudah berusia tua, karena biaya asuransinya akan semakin mahal.
Kekurangan
Manfaat Kalah dari Unit Link
Entah kenapa, cakupan perlindungan dari asuransi tradisional untuk penyakit kritis selalu lebih payah daripada rider yang tersedia di asuransi unit link, meskipun berasal dr perusahaan yang sama. Contohnya, perlindungan penyakit kritis dari produk tradisional perusahaan A hanya mencakup 88 macam penyakit, namun untuk produk unit link perusahaan A (perusahaan yang sama) melindungi sampai 128 macam penyakit.
Kehilangan Fleksibilitas
Database dan definisi penyakit kritis terus berubah setiap tahunnya. Ada penyakit baru yang baru ditemukan, adanya mutasi penyakit, dan lain-lain. Akibatnya, perlindungan asuransi harus terus beradaptasi menghadapi perubahan tersebut.
Di polis unit link, hal tersebut tidak terlalu menjadi masalah karena pemegang polis bisa menghapus ataupun menambahkan rider (asuransi tambahan) kapan saja selama bisa menanggung biaya tambahannya. Sedangkan di asuransi tradisional, kita tidak bisa mengubah skema perlindungan ketika sudah memulai pembayaran pertama dimuka.
Berapa Jenis Penyakit yang Harus Dicakup?
Ini adalah pertanyaan yang cukup sulit dijawab. Tentunya semakin banyak cakupannya, semakin bagus dan memberi kepastian. Tapi, data menunjukkan bahwa hanya sekian persen dari penyakit kritis yang diderita oleh orang Indonesia, itupun kebanyakan karena faktor gaya hidup dan genetika. Jadi sebenarnya bagi sebagian besar orang hanya perlu perlindungan untuk penyakit tertentu, tidak perlu semuanya diambil.
Ada hal – hal yang perlu dipertimbangkan dibawah ini, namun ada baiknya dikonsultasikan dengan dokter karena sangat bersifat medis, sehingga yang dijabarkan dibawah ini hanya bersifat umum saja.
Faktor Genetika
Apakah si tertanggung memiliki riwayat penyakit keturunan? Salah satu penyakit keturunan yang paling umum di Indonesia misalnya diabetes. Nah, tentu asuransi penyakit kritis yang dipilih harus yang melindungi penyakit keturunan tersebut, karena sebagian besar penyakit kritis justru disebabkan oleh faktor keturunan.
Gender juga perlu jadi pertimbangan, laki-laki misalnya memiliki risiko yang lebih tinggi untuk sakit jantung, diabetes, kanker, dan liver.
Kebiasaan Hidup
Beberapa kebiasaan hidup yang perlu diperhatikan adalah hobi merokok, alkohol, selera makan, dan jenis pekerjaan. Orang yang merokok tentu lebih rentan terkena penyakit kritis seperti penyakit jantung dan paru-paru, dan orang yang hobi minum alkohol tentu lebih rentan terkena sakit ginjal. Selera makan berpengaruh ke tingkat kolesterol, hipertensi serta diabetes juga. Dan beberapa pekerjaan meningkatkan risiko penyakit tertentu, misalnya pekerjaan outdoor yang menghirup udara berpolusi sehingga berpotensi memicu kanker dan gangguan pernafasan.
Penyakit Umum di Demografis Tertentu
Setiap negara memiliki penyakit kritis “langganan” yang lebih rentan menyerang penduduk negara tersebut. Di Indonesia, antara lain kanker, gagal ginjal, stroke, dan hipertnesi.
Kondisi Keuangan
Asuransi tradisional membutuhkan komitmen besar di awal, namun bebas dibelakang. Apabila anda saat ini punya dana nganggur, maka merupakan waktu yang baik untuk membuka polis asuransi tradisional. Asuransi tradisional juga memberikan ‘diskon’ bila melakukan pembayaran tahunan, jadi saya selalu menyarankan untuk mengikuti skema pembayaran tahunan agar total uang yang dikeluarkan lebih sedikit.
Sebaliknya, asuransi unit link lebih murah dalam pembayaran berkala, entah secara tahunan ataupun bulanan. Asuransi unit link cocok bila anda bisa menyisihkan sebagian pendapatan anda untuk pembayaran premi. Keuntungan asuransi unit link adalah fleksibilitas dalam kenaikan dan penurunan manfaat, jadi bila di masa depan anda ingin menaikkan uang pertanggungan ataupun mengganti cakupan, bisa dengan mudah minta kenaikan premi.
Saran
Apabila anda memang parno dan tidak yakin berapa jenis penyakit kritis yang perlu dilindungi, maka rider unit link dari Prudential yang bernama Pru Total Critical Protection (PRUTop) tentunya memberikan proteksi terbaik, karena melindungi kondisi kritis tanpa peduli apapun jenis penyakitnya, sekalipun penyakitnya belum teridentifikasi di dunia medis.
Apabila anda seperti saya yang lebih peduli pada konsistensi keuangan, dan merasa bahwa tidak memiliki keturunan genetik penyakit tertentu, maka produk tradisional Prudential bernama Pru Critical Benefit 88 yang memberikan kepastian jumlah premi, kepastian proteksi, dan kepastian nilai tunai dijamin seharusnya cukup bagus untuk diambil.
Perlu diingat bahwa asuransi penyakit kritis memiliki cakupan, perlindungan yang lebih luas daripada asuransi jiwa murni, sehingga wajar saja bila rasio premi dan uang pertanggungannya tidak setinggi produk seperti Pruwarisan.
Untuk konsultasi asuransi lebih lanjut, anda bisa menghubungi Sonny langsung di 087782161285 (Whatsapp) atau Instagram @escio_
Hi Adrian, mau tanya apakah asuransi penyakit kritis ini bisa berdiri sendiri? Setau saya ini cuma bisa jadi rider nempel di asuransi jiwa unit link? Jd misal mau yg PRU diatas hrs beli asuransi jiwanya juga ya, sementara saya ud punya jiwa yg whole life… Thanks
Halo bang Andre, untuk asuransi penyakit kritis yang “berdiri sendiri” ada dua cara. Pertama kita beli asuransi non unit link (tradisional whole life) yang memang ada proteksi kritisnya. Biasanya sih tetap mencakup tutup usia juga. Solusi kedua, kita buka polis unit link, tambah rider kritis, tapi minta uang pertanggungan jiwa nya sekecil mungkin yakni hanya 20 juta, sehingga biaya asuransi bulanannya rendah. Kalau asuransi bang Andre yang sekarang itu unit link, bisa juga kok minta ditambah rider penyakit kritis
Halo Pak Adrian, alternatif lain selain Pru ada lagi tidak untuk perbandingan CI ? Saya cenderung mau pilih CI stand alone atau unit link tapi yang bisa cuti premi secepatnya, jadi tinggal top up tiap tahun untuk bayar COI karena kebetulan sudah ada instrumen investasi lain. Terima kasih
Halo kak Felix. Hampir semua brand lain tentu ada. Tinggal dipilih aja yang cocok gimana. Kalau unit link biasanya bs cuti premi setelah tahun kelima ya, demikian jg tradisional biasanya bayar paling cepat 5 tahun langsung selesai.
Halo pak Felix,
Kita ada opsi combo wholelife n CI standalone atau UL dengan rider CI dan cuti premi bs dilakukan mulai thn ke 3.
Utk diskusi lbh lanjut bisa chat WA kt di 081299814787
Thanks,
Hendy
MuS Financial
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