Insurance purposes

INSURANCE

Whatever type of insurance you choose, usually the purpose of ownership of the policy is not far from misaligned. At least, the purpose of insurance can be grouped into three primary things, similar to the one below.

1. Risk transfer

You are the insured and the policy owner is aware of the danger or loss that lurks to your health, life, or property. You also know that it is difficult to predict when the danger will come and cause you loss. Because you don't want to gamble with a large risk of harm, you transfer some of the risk to a party who is able to provide compensation benefits, namely the provider of insurance contributions.

Two. Receipt of compensation

Poly people finally decide to be a participant of the insurance premium because they want to receive compensation if something harms them. If you officially become an insurance customer and hold a policy, the insurance company will pay a certain amount of compensation related to the danger or loss you experience. The compensation payment was based on the consensus contained in the policy.

3. Member welfare

Losses that befell you can also be a problem for your members. What is meant by members here can be family members or employees in the company. Joining yourself as a premium customer is also able to make the welfare of members more secure. Be an example If you become a participant in life insurance, your family members still get financial certainty, even though you die globally. When enrolling a company in business insurance, you have minimized the risk of termination of employment resulting in a major loss to the company.

Main function of premium

Broadly speaking, the primary function of the premium means minimizing the risk of loss to its customers. But if described in more detail, there are at least 3 primary premium functions.

Gives peace

You'll probably be very panicked when you find out the huge amount of treatment or time your ride is gone. This panic can be reduced if you have insurance. You realize that the premium will change the losses you experience so that you sleep more soundly.

Minimize loss

The function of insurance is to provide protection in the form of compensation or payment of benefits. Using it, you can reduce the financial losses that befall you related to various types of money

conditions that you experience, such as property being lost due to a house fire or hospital expenses due to an accident.

Savings and investment

Poly insurance premium product which now has a unitlink concept. In this premium model, you not only receive protection and financial compensation if there is a risk that befalls you. In unitlink premium products, you are very likely to have future savings from the investment due to your coverage which is managed by a premium company.

Life insurance is a premium product that you can choose to be able to get all three insurance functions. The reason is, life insurance products can provide benefits for death and accident payments which can also be a provision for the days ahead for your family.

Pfi Mega Life has two premium life products that are worth buying. First, there is mega comforta which is a term life premium. Mega comforta provides protection related to death and critical illness.

Another one is mega saving protection which is a traditional dual purpose life premium. This product provides insurance contribution protection against the risk of death caused by accident and non-accident.