Recently, critical illness insurance or critical illness life insurance company offered aggressively. This product provides reassurance to the insured who suffered from critical illness is free from the risk of financial.
Not only provides protection of critical illness, the insurance company also provides an additional benefit over critical illness product being offered. For example, refund if no claims occur for several years. Then, can include family members as insured.
There are three life insurance companies that not long ago produced a product critical illness. Take for example, PT AXA Financial Indonesia offers critical illness insurance Maestro Complete CI Cover and Maestro Juvenile CI for critical illnessnya. Then, PT Asuransi Cigna Indonesia (Cigna) with Family Proteksi Optima. Both of these life insurance companies provide protection over 10 critical illness.
Lastly, PT Central Asia Financial or Jagadiri insurance via Jaga Sehat Keluarga product protects not only one insured but can five people in the family. This product claims to protect the whole disease, even HIV/AIDS disease.
But whether this insurance product must be owned?
Freddy Pieloor, a financial planner from Money n Love Planning & Consultinge said, should considered again if you want to buy this insurance product. In addition to not important needs, critical illness insurance product is also judged redundant. He compares the product with the presence of BPJS Kesehatan.
"If there is now providing health BPJS complete protection for all diseases. What need extra insurance? "said Freddy.
If it wants to have a product that protects some critical illness. Freddy suggested, better choose to enlarge the health insurance premium has been previously owned, instead of buying new products. Or, increase BPJS Kesehatan level.
Freddy also reminded not to fall asleep with critical illness insurance sales gimick that it can be refund if no claim. And include family members.
The customer must carefully calculate the premium and claims are accepted. Including the conditions of disbursement claims, whether a new claim can be done after diagnosed a severe illness or gradually claim.
