Review Kitabisa Saling Jaga (dulunya Kitabisa Plus)

Artikel ini menggunakan struktur piramida terbalik. Poin penting ada diatas dan penjelasan ada dibawah

Kesimpulan

Kitabisa Saling Jaga fungsinya sama saja dengan memiliki polis asuransi penyakit kritis, namun cara kerjanya jauh lebih transparan dan berpotensi mendisrupsi dunia asuransi.

Keunggulan Kitabisa Saling jaga

  • Sangat transparan, berbeda dengan asuransi yang ‘menyembunyikan’ banyak biaya, di Kitabisa plus kita tahu uang kita ‘pergi kemana’
  • Benar-benar terjangkau, tidak ada komitmen jangka panjang, bayar semampunya dan semaunya
  • Seharusnya sesuai dengan prinsip syariah (saya tidak berhak mendakwah, namun saya tidak melihat ada unsur riba disini)
  • Kitabisa tidak memotong biaya apa-apa, uang kita hanya berkurang bila ada klaim dari anggota lain saja

Kekurangan Kitabisa Saling Jaga

  • Tidak bisa menaikkan atau menurunkan ‘uang pertanggungan’ semau hati kita, meskipun kita sanggup membayar lebih
  • Proses ‘klaim’ yang tidak dipublikasikan untuk semua kalangan (dijelaskan lebih lanjut dibawah)
  • Tidak mencakup perlindungan meninggal, hanya penyakit kritis dan COVID-19
  • Cakupan penyakit kritis yang ‘dilindungi’ tidak banyak (54 jenis)

Bagaimana Cara Kerja Kitabisa Saling Jaga?

  1. Kita ‘menyetor’ dana minimal 10rb rupiah, dana ini masuk ke ‘ptaungan’ dana bersama sumbangan anggota lain. Anggota lain mungkin menyumbang lebih tinggi
  2. Apabila salah satu anggota patungan ada yang kena COVID-19 atau penyakit kritis, maka anggota yang sakit tersebut mendapat santunan hasil pencairan dari ‘patungan’ bersama
  3. Misalnya untuk kasus COVID-19 mendapat santunan 5 juta, sedangkan ada 100.000 anggota yang terdaftar, maka saldo setiap anggota akan dikurangi 50 perak saja (5 juta dibagi 100 ribu)
  4. ‘Perlindungan’ aktif selama saldo kita minimal 10rb, jadi kalau anda hanya menyumbang 10rb di awal, maka sudah pasti perlindungan anda langsung nonaktif bila terjadi satu kali klaim dari anggota lainnya

Berapa Jumlah Donasi Ideal?

Terserah, tapi saran saya minimal donasi awal 50rb rupiah, sebab Kitabisa plus mulai memberlakukan ‘masa tunggu’ (makin mirip asuransi). Apabila saldo kita jatuh dibawah 10rb, maka kita harus melalui ulang masa tunggu.

Apasih masa tunggu itu? Periode waktu dimana kita belum bisa melakukan klaim, sekalipun kita kena penyakit setelah perlindungan tersebut aktif.

Perlukah Kitabisa Saling Jaga bila sudah punya asuransi?

Tidak perlu sih, tapi saya ikutan Kitabisa plus sebagai gerakan sosial saja. Ingat, dalam Kitabisa plus, semakin banyak orang yang tergabung, semakin kecil juga biaya yang dikeluarkan setiap anggota setiap kali terjadi klaim, jadi hal ini meringankan beban finansial banyak orang.

Memang sih, semakin banyak anggota berarti semakin tinggi juga risiko terjadinya klaim, tapi sesuai dengan rumus aktuaria yang diterapkan perusahaan asuransi, kenaikan risiko klaim pasti dijaga agar tidak naik sebanyak atau sebanding dengan jumlah uang yang diterima dalam dana himpunan.

Apabila sudah punya Kitabisa Saling Jaga, masih perlu asuransi?

Tentu saja. Anda masih perlu asuransi jiwa dan kesehatan karena Kitabisa plus hanya melindungi risiko penyakit kritis dan COVID-19 saja. Apabila anda tergabung dalam program BPJS, maka anda sudah punya perlindungan dasar menyeluruh bila ditambah dengan kitabisa plus.

Apakah Sumbangan di Kitabisa Saling Jaga bisa kita cairkan seperti Unit Link?

Tentu saja tidak.

Bagaimana Proses Verifikasi atau Klaim di Kitabisa Saling Jaga?

Meskipun kita bisa tahu berapa orang yang mendapatkan bantuan dalam satu minggu, serta foto dan nama sensor mereka, namun kita tidak tahu keabsahan ‘klaim’ mereka (apakah benar layak menerima bantuan?). Nah, perihal hal ini, tim Kitabisa ternyata mengundang langsung saya untuk berpartisipasi dalam proses verifikasi salah satu penerima bantuan.

Selain mengharuskan penerima bantuan untuk mengumpulkan rekam medis yang valid (misalnya hasil swab COVID-19 positif), ternyata ada juga proses wawancara online yang dilakukan oleh tim Kitabisa. Nah dalam proses wawancara ini saya juga berpartisipasi menanyakan beberapa pertanyaan untuk penerima bantuan sambil ngobrol-ngobrol.

Tim Kitabisa menyatakan bahwa partisipasi donatur dalam proses verifikasi masih dalam tahap pencobaan, namun saya menyarankan kepada mereka agar hal ini dilakukan terus-menerus untuk menjunjung asas transparansi.

Masa Depan Kitabisa Saling Jaga

Saya berharap kedepannya gerakan seperti Kitabisa plus ini merombak dan mendisrupsi industri asuransi yang selama ratusan tahun stagnan dan belum berubah banyak.

Transparansi yang ditawarkan Kitabisa plus akan menjadi kelebihan luar biasa yang mengalahkan segala jenis asuransi, karena semua orang akan dengan senang hati mengetahui kemana perginya uang mereka.

Untuk produk Kitabisa plus sendiri saya berharap juga bisa mencakup tutup usia.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

133 Comments

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