So that all family needs can be met, of course financial planning .
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| Former Humana execs launch startup to make health insurance easier on small businesses |
It's not enough to manage money and save regularly, you must also be able to anticipate various risks that may occur in the future.
Not only risks related to urgent and unexpected conditions that require emergency funds, but also risks related to health problems.
In this case, health insurance has an important role to cover costs if a family member suddenly falls ill.
Even according to family financial planner Annisa Steviani CFP, AEPP, health insurance can be considered as an important foundation in financial planning.
"Illness or death can happen at any time, we as humans do not know when illness or death will come. Therefore, it is important for us to transfer the risk," said Annisa Steviani at the Launching of PRUSolusi Sehat Plus Pro and PRUSolusi Sehat Plus Pro Syariah. , Thursday (15/9/2022).
According to the woman who is familiarly called Icha, the existence of health insurance serves to transfer risk if a family member is sick.
In addition, another reason families need to have health insurance is to prevent the risk of loss of assets because they are used to cover medical or hospital costs.
"If we've been thinking that if we're sick we can use savings, we don't need insurance, actually it doesn't transfer the risk of losing assets," he explained.
He gave an example, someone who suddenly falls ill but already has health insurance does not have to worry about having to sacrifice his assets to cover hospital costs.
"For example, you are currently healthy, but you have insurance. Then suddenly you get sick and you have to spend tens of millions. Because you have insurance, you don't have to lose assets to pay for hospital fees," he said as an example.
On the other hand, someone who does not have health insurance risks sacrificing his assets because hospital costs are not cheap.
"But if you only save, then you only have 6 million rupiah, how can the savings cover the health costs? That's why health insurance is so important," added Icha.
In addition to health insurance, he also emphasized the importance of life insurance , because death will surely happen to anyone at an unexpected time.
"Life insurance is equally important. Especially when talking about death, it seems very scary, even though it is actually, right, very likely to happen," he said.
Life insurance itself functions as a backup to cover all costs needed by family members left behind.
"Without life insurance, we don't have backups for our children's schooling, and other costs. And what's more worrying is if we and our husbands die together. By having life insurance, all of our financial problems can be transferred to insurance. At least the children's finances are covered, " he said firmly.
Icha then emphasized the importance of changing the mindset of insurance products, such as health insurance and life insurance.
As for insurance is not the same as investment, so the two cannot replace each other.
In other words, both must be present when making financial planning and mature.
"Don't think 'I'm not sick, why do you buy insurance?'. In fact, insurance is bought when you are healthy, not when you are sick. If you are sick, you rush out of money first. ," he continued.
"And indeed we hope that nothing will happen. Don't feel lost because you have to pay continuously but you don't get sick, thank God it means if you don't get sick. Life insurance is the same," concluded Icha.
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