Empat Jenis Asuransi Dasar
Produk asuransi semakin hari semakin banyak jenisnya. Mulanya hanya berupa sarana proteksi terhadap aset dan warisan, kini asuransi juga kerap dibungkus dengan instrumen investasi.
Pada kesempatan kali ini saya ingin menjelaskan beberapa jenis asuransi dasar yang seharusnya dimiliki oleh setiap orang.
1. Asuransi meninggal dunia / tutup usia
Ini adalah asuransi jenis paling dasar dan paling sederhana. Apabila kita sebagai tertanggung (pemilik polis) amit-amit meninggalkan dunia ini, maka ahli waris yang kita tunjuk akan mendapatkan uang santunan.
Mulanya, asuransi jenis ini berfungsi untuk membebaskan anggota keluarga yang kita tinggalkan dari beban finansial akibat kepergian kita, misalnya biaya pemakaman, utang yang masih ada, dan kebutuhan hidup tanggungan kita. Namun, seiring berjalannya waktu, asuransi jenis ini menjadi sarana untuk melipatgandakan warisan kepada keturunan kita.
2. Asuransi kecelakaan diri
Asuransi jenis ini memiliki manfaat yang sedikit lebih luas daripada asuransi jiwa. Selain memberikan santunan apabila kita meninggal, asuransi kecelakaan diri juga akan memberikan santunan apabila kita mengalami cacat akibat kecelakaan. Manfaat ini lumayan penting, karena orang yang mengalami kecelakaan belum tentu meninggal dunia. Dalam asuransi jiwa tradisional, tidak ada santunan yang diberikan kecuali bila tertanggung meninggal dunia.
Fungsi asuransi ini untuk meringankan beban finansial untuk perawatan tertanggung paska kecelakaan, dan amit-amit kalau cacat yang diterima bersifat tetap, maka uang pertanggungannya bisa digunakan sebagai modal usaha atau investasi
3. Asuransi penyakit kritis
Jenis ketiga ini serupa tapi tak sama dengan jenis kedua diatas. Bila jenis kedua diatas memberikan santunan bila terjadi cacat akibat kecelakaan, maka asuransi jenis ini akan memberikan santunan bila kita terdiagnosa penyakit kritis, meskipun kita belum tutup usia.
Yang dimaksud dengan penyakit kritis adalah, jenis penyakit yang memiliki tingkat keselamatan rendah, dan biasanya berbahaya bagi si penderita bila dibiarkan. Itulah pentingnya asuransi jenis ini, agar memberikan uang santunan secepat mungkin yang bisa kita gunakan untuk pengobatan, agar penyakitnya tidak makin parah.
4. Asuransi kesehatan
Jenis keempat ini rasanya sudah tidak perlu saya jelaskan panjang lebar lagi, karena hampir semua orang sudah memilikinya. Asuransi kesehatan memberikan kita santunan apabila kita dirawat dirumah sakit, sehingga meringankan beban finansial yang harus kita keluarkan untuk perawatan.
Menurut saya, keempat jenis asuransi diatas harus dimiliki setiap individu. Maka dari itu, saya menyambut baik bahwa OneAset sudah menyediakan produk asuransi untuk jenis-jenis diatas, dengan harga yang relatif murah dan proses yang 100% online. Bagi yang belum memiliki asuransi jenis-jenis diatas, bisa mempertimbangkan membeli dari OneAset.
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