02.01
Most professionals in Jakarta has dicover by health insurance from the company, whether the reimbursement system, cashless, by 100%, 80% etc.. Did you think, does the amount of the surety company, for how long the company will change the cost of your health, the extent to which criteria the type of health protection that you get.
If you are sick, and you dicover company, how the condition if you can not work again for a period that is not determined by the doctor, the company decided to halt work because of the existence of the contract you are not considered to be more efficient for the company. Whether the company will continue to bear the cost of your health permanently? The answer is not.
Health is something that is very valuable, we never know when it comes and how long the attack time. The solution, you must have the additional protection that can provide personal protection dikala you are required to stop working.
Sample cases:
Mr. $, 36 years old, a professional in the foreign oil companies, more or less 10jt/bulan incomes. As senior staff, he get the bonus of 4x the size of the monthly revenue per year.
Mr. $ to get the replacement cost of health care facilities to 100%. This means, of any illness, the company will replace the entire cost.
Mr. $ has him with a child who soon will enter elementary school, he planned retirement at the age of 55 years.
At the age of 42 years, Mr. $ affected heart attack so mengharuskannya treatment in hospital. Severe conditions that require heart bypass surgery, the costs needed to Rp. 120000000. Before surgery, the condition of Mr. $ must fit, so he must be treated inap, consumption of drugs and additional vitamins. Total spent almost Rp. 150000000.
In accordance with the provisions of the company, all expenses reimbursed the company. After surgery, the condition of Mr. $ kunjung not improved, so that doctors ask him for total rest. Based on the decision-making leadership, Mr. $ in PHK because it is not efficient anymore. After the PHK, Mr. santunan $ distop health of the company. With the rest of the personal savings, he is forced to take to pay for further treatment and also meet the cost of living for their families.
Financial planning solutions to help prevent this happening dikemudian day:
When aged 36 years, Mr. set aside $ income to be placed in a protection product that is intended for family protection, health, and funds pensiunnya.
Mr. saving $ Rp. 1,500,000 per month, if he has the advantages of the bonus, it also ditabung.
With the savings products that have protection, if he is exposed to heart attack at age 42 years, he’ll received:
-Protection of the soul to Rp. 600,000,000
-Protection of critical illness Rp. 200,000,000
-Protection of the accident up to Rp. 400,000,000
Protection against the cost-Inpatient (up to 100 days / year) IDR. 600,000 / day, starting from the replacement of the first day of entering the hospital
As of since-convicted heart disease by a doctor, Mr. $ does not need to save more, otherwise our company will save to the bank account he Rp.18, 000,000 / year until he was 70 years old
Entering retirement age-55 years old, he can take a day savings parents Rp. 3,700,000,000 (assuming the investment of 16.60 p.a)
You are interested in the product that so? You already have a policy of insurance but want to review? Please contact me if you would have asked.
Thank you
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