Reason why we need insurance?

There is one thing that should not be missed when creating a financial planning, the budget for insurance holdings. A head of the family can at least provide protection to other family members, one such as the recent natural disasters that often occur. But the fact is it is not taken seriously.

Without realizing it, we often prioritize to insure a car, motorcycle, or our house first. The reason is if we lose the vehicle, can be replaced with a new one. While the life and health are deemed unnecessary. So what if lost?

There are still many other logical reasons that explain why the life and health insurance is important, consider several explanations importance of having health insurance as a follow:

Disaster comes Unexpected  

Disaster came to anyone, even those who are young and healthy. Insurance protects its customers from a disaster such as an accident, a serious illness that can lead to financial problems as a result of wage earners no longer able to work to support the family.

Health Costs Rising 

According to the Global Medical Trends Report from Towers Watson, the average cost of treatment in Indonesia rose to 13.55 percent per year. Whereas the average community income rose only average community income rose only 1.2 percent per year. In other words, the increase in health costs are not proportional to the increase in the salaries of employees.

Death is a sure thing

Death is inevitable. Only time are unpredictable man. When penafkah family died suddenly, insurance protects the family from financial problems due to the loss of family income.

Perhaps you feel that at this time you are young and healthy and do not need insurance. Or maybe you feel not need life insurance because despite not having children married? In fact, the younger you have insurance, the insurance premium you need to pay will also be more lightweight.

Some people may feel that the insurance premiums feels like a 'waste of money', because benefits are not immediate. But what you get from the insurance is the protection and security. Sooner or later, you will find it useful.