Definition of Bancassurance
Bancassurance is a collaboration between the bank and the insurance company. Therefore Bancassurance is a combination of the terms "bank" and "insurance"
This is done so that the bank gets a profit if the product is sold, while the insurance company gets new customers from the bank. Therefore, the cooperation between banks and insurance companies is carried out.
Bancassurance Benefits for Customers
There are several benefits that you can get when you buy Bancassurance products, here are the benefits that you can feel:
1. Get double benefits
Considering that this product is a product of banks and insurance companies, you can get benefits in the form of insurance protection as well as savings.
Customers can also add funds to their bancassurance products without affecting the insurance coverage provided.
2. Investment benefits
Bancassurance also has products for education insurance and retirement savings. Therefore, as a customer, you can get protection as well as investment benefits.
3. Extensive service network
Given that bancassurance involves banks, if at any time you need assistance with insurance products, you can visit KCPs (Sub-Branch Offices) spread throughout Indonesia.
It's different if you buy regular insurance products, there are only branch offices in a few places.
Bancassurance Products in Indonesia
Here we will provide some Bancassurance company references:
1. PT AXA In Me
It is a collaboration between insurance company AXA and Bank Mandiri. Here you can get various insurance products such as car, motorcycle, life, health insurance and many more.
2. MiWealth Protection
It is a unit-linked insurance product issued by DBS bank in collaboration with Manulife insurance company.
This product is for those who want to provide their assets with more protection.
3. FWD Life dengan Hana Bank
Providing unit linked insurance products, which have the benefit of protecting customers' valuable assets.
The product provided is similar to life insurance considering that the benefits are for retired people who want to enjoy their wealth in old age.
4. Zafirah Prosperous Protection
Intended for the lower middle class, customers only need to pay a premium of IDR 50 thousand/month to get protection.
5. Fortuna Harvest Insurance
It is a life insurance product issued by AIA and CIMB Niaga. You can get benefits in the form of life insurance and accumulated retirement funds.
6. Maximum Retirement Protection
Next is the product of the collaboration between AIA and BCA companies. The products provided are life insurance and accumulated retirement fund preparations.
How to Register for Bancassurance
For how to register, it's actually easy, you just have to go to the nearest bank and usually there is a special place for bancassurance marketing. Follow these steps:
- Visit the nearest KCP bank that provides bancassurance products
- Bring conditions such as KTP, and NPWP
- Fill in the form and submit the file
- Wait for a few days for the validation process
- If already registered, the bank will contact you
Tips for Choosing a Trusted Bancassurance
We have provided some tips that you can practice in order to choose a trusted bancassurance product. Here are the tips:
1. Check the legality of insurance products
Seeing the legality of a bancassurance product is the most important thing you have to check.
The goal is to avoid illegal products and your money can be safe in the insurance product.
2. Learn the police
The second thing you have to do is read what the benefits are and how to claim insurance .
That way you can judge whether the bancassurance products offered are suitable for your needs or not.
3. Compare with other bancassurance products
Then you can compare one bancassurance product with another.
4. See insurance recommendations at The Newbie
We provide some of the best life insurance as well as the best health insurance .
You can check some of the recommendations there to get the right insurance product.
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