5 Reasons People Refuse Insurance

Terakhir Diubah : 21:51:44 - Sunday, 26 September 2021

Indonesia is still listed as an underinsured country, this is because there are still many Indonesians who do not have insurance. There are many reasons why Indonesians are lazy to have insurance. Some of these reasons are based on one thing, namely the lack of insurance education for the public. Here are the top 5 reasons why Indonesians are still reluctant to get insurance according to the Insurance Magazine version:

Do not understand
Because insurance is not very popular in the community, many terms are not understood by the Indonesian people, thus causing people to be afraid of being deceived and decide not to have insurance, whether car, health, or life insurance. People's ignorance can actually be overcome if there is education that is easy and simple to understand, sometimes the explanation received by the community from an insurance agent is not explained in simple language.

Too expensive
Insurance is still considered a luxury and out of reach. Whereas the government and private companies have provided several various insurance options and along with the growth of the insurance industry, prices have become very competitive. For example, the price of personal accident insurance can be around Rp. 25,000 (twenty five thousand rupiah) but it can still provide a fairly high protection value. The price of insurance today is much cheaper in the past, maybe even this price is not more expensive than people's spending on mobile phone credit.

There are still other needs
This is very understandable, but make sure that what is meant by other needs are very urgent or primary needs and once you have enough savings, start insurance no matter how small the amount. Because no matter how small the insurance value, it will be very helpful when needed.

“I Will Drive Carefully” (Car Insurance)
Even if you drive very carefully, your car still has the risk of being hit, dented, or other traffic incidents. Therefore, insure your vehicle, so that your financial status remains stable if something happens to the vehicle.

Insurance Claims Must Be Difficult
This point, really depends on the type of insurance company chosen, but in general, if you have read it carefully and understand the insurance policy comprehensively, insurance claims should not be a frightening specter. Therefore, it is highly recommended to consult first with some relatives or experts before buying insurance products.

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Safety Tips For Walking In The Rain

1. Get an Umbrella
An umbrella is useful for a variety of reasons while walking in the rain, not only will it naturally help to keep you dry, but it will also keep water out of your eyes. When water impairs your ability to see (especially if you wear glasses!), you’re more at risk of an accident. What’s more, holding an umbrella also improves your visibility, helping the drivers of surrounding vehicles to see you.

2. Wear Bright Colors
A brightly colored raincoat will serve you well when walking in the rain. Much like the umbrella (which should also be bright if possible), this utilitarian item will both keep you dry and aid in other motorists’ ability to see you. The brighter the color, the better. When it’s raining out, visibility is significantly impaired, especially for elderly drivers, but bold colors stand out and help you avoid a pedestrian accident.

3. Choose Non-Slip Shoes
Non-slip shoes (and preferably waterproof ones for your comfort) can help you get across streets safely. When streets and sidewalks are wet, slip and fall accidents may be more likely. While a slip on a sidewalk can lead to injuries, a slip in the middle of the road can be catastrophic.

4. Follow Traffic Laws
Rain or shine, you should always follow pedestrian rules of the road.

5. Using a sidewalk whenever possible
Crossing at a crosswalk when the signal indicates that it’s okay to do so
Yielding to vehicles when not crossing at a designated crossing area
Not exiting the sidewalk into the path of traffic
6. Resist Distractions
Finally, remember to put away distracting items when walking in rain. Turn off the music and tuck your cell phone safely into your pocket. When it’s raining out, approaching vehicles can be harder to both see and hear, and extra attention can be key to your safety.

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Benefit of Health Insurance

Health is very expensive. Moreover, it turns out that you or a family member need treatment and care that requires large costs but the savings are running low. You avoid worrying because you already have health protection through health insurance.
In addition to getting the maximum treatment and care at the best hospital, you can protect your finances, insurance will help according to the policy you have.
Therefore, when buying an insurance policy, you must pay close attention to each type of health insurance, the premiums and benefits that you will get as a policyholder.
In addition to protecting our finances from losses, other benefits also exist in other benefits. Such as surgery, hospitalization, specialist doctors who will help you during treatment. Call us at 021-50508080 for health insurance info.

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Tips on Insurance Claims If Car Loans Lost?

Of course you will experience panic when you realize that the private car you usually ride is not there and has definitely changed hands to an irresponsible party or stolen, sad because you know the missing car has not paid off its credit payment, worried for fear of not being able to claim, it's natural but take it easy, because usually at every leasing company, cars that have not been paid off are still guaranteed to the insurance and can be a solution if you experience a disaster like this.

Released from Asuransi Magazine, the first step and must be taken immediately is to report to the creditor of the incident and or contact your car insurance provider directly, try within 3 X 24 hours after the theft occurs, so that there is no disruption in the claim process. insurance. To facilitate the process of filing a claim, complete the theft report with an official letter from the police, because the police agency is the only institution authorized to declare the status of the stolen car lost.

After receiving a police letter, prepare important documents such as a Motor Vehicle Insurance Policy, a photocopy of STNK, and a driver's license to be included in a report to the car insurance company. After the document submission process is complete, the police and insurance will examine the case that happened to you, to ensure the validity of the incident. If it is proven that it complies with the clauses and definitions of the theft victim (reference PSAKBI and KUHP), the total lost stolen claim can be processed. As a car owner, you will be given a cover letter from the insurance company to help make a vehicle registration block letter from the local regional police (POLDA)

Insurance claims can generally be disbursed from 14 days or 21 days from the day of the incident, if the documents needed to support the claim submission have been completed. However, if the car is found within 60 days, you can change the type of claim, from total lost stolen to partial loss. So that the damage that occurs during the process of loss, can be compensated by the insurance.

Conclusion In Making a Car Insurance Claim

Make sure the loss report is not delayed, so that the car insurance can act quickly.
Always put important documents, related to your car insurance policy in a safe and easy to find place, so that they are easy to find in the event of a theft case.
It must be remembered that, the car insurance only covers loss in the category of car theft. Meanwhile, losses resulting from fraud or embezzlement are not covered by insurance coverage.
Before looking for a suitable insurance company, first compare the services and prices offered, then provide possible theft scenarios, and ask if they can protect you from these risks.

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Sahabat Insurance at Pasar Keuangan Rakyat Financial Exhibition

Bandar Lampung, 22 October 2023 - Sahabat Insurance participated in a financial exhibition entitled Pasar Keuangan Rakyat by AAUI at Boemi Kedaton Mall Bandar Lampung, 22 October 2023.
Sahabat Insurance provides a consultation booth about general insurance and visitors can purchase insurance according to their needs.
This exhibition is part of the support program for the Financial Inclusion Month (BIK) in order to encourage inclusion and services closer to the community.

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