Kamu termasuk orang yang sudah melek asuransi belum? Di kutip dari finance.detik.com, di dapatkan informasi bahwa ternyata masyarakat tanah air masih rendah dalam mengakses program asuransi. Asuransi sendiri adalah perjanjian antara penanggung (perusahaan) dan tertanggung (nasabah). Perjanjian ini mewajibkan nasabah membayar premi kepada perusahaan untuk penggantian atas risiko kerugian, kerusakan, kematian atau kehilangan yang di derita karena peristiwa tak terduga. Tetapi, banyak orang yang masih belum memiliki asuransi, padahal asuransi merupakan salah satu perlindungan terhadap diri sendiri dari kejadian-kejadian yang tidak di inginkan. Serta, banyak juga manfaat asuransi yang mungkin kamu belum tahu. Yuk simak manfaat dari asuransi berikut!
Manfaat Memiliki Asuransi
1. Memberikan Rasa Tenang
Kita tidak pernah tahu apa yang akan terjadi esok, termasuk segala kemungkinan risiko yang bisa terjadi kepada siapa saja dan kapan saja. Melihat kondisi itu, mungkin dapat membuat hidupmu tidak tenang. Tetapi, dengan memiliki asuransi, dapat membuat pemegang polis hidup lebih tenang. Hal ini di karenakan jika ada hal buruk yang terjadi, asuransi yang akan menanggung risiko tersebut.
2. Memberikan Rasa Aman dan Perlindungan
Apabila terjadi suatu risiko yang menimbulkan kerusakan atau kerugian, nasabah bisa tetap merasa aman karena memiliki polis asuransi yang melindungi dan menjamin aset atau harta benda dari suatu risiko yang tidak di harapkan. Tak hanya kamu yang perlu di lindungi, terkadang properti juga perlu memiliki asuransi agar mendapat jaminan perlindungan.
3. Sebagai Tabungan dan Investasi
Asuransi juga bisa di jadikan sebagai tabungan dan investasi masa depan, loh. Sekarang, banyak juga perusahaan asuransi yang menjamin pengembalian dana investasi saat kontrak selesai. Sebagai tabungan, pada beberapa produk asuransi tertentu, pencairan dana kematian dapat di cairkan kepada para nasabah jika kematian belum terjadi dalam jangka waktu yang telah di sepakati. Nah, jumlah pengembalian dana tersebut, bisa kamu gunakan sebagai tabungan hari tua. Sedangkan sebagai investasi, uang yang kamu keluarkan untuk membayar premi bulanan dapat kamu anggap sebagai tabungan untuk keadaan darurat yang tidak bisa kamu prediksi. Biasanya, asuransi yang di gunakan sebagai investasi juga memberikan kelonggaran kepada pemegang polis untuk memilih masa pertanggungan pada waktu tertentu. Jadi, dengan kata lain adalah asuransi dapat membuatmu lebih hemat untuk pengeluaran-pengeluaran tertentu pada berbagai bidang seperti kesehatan, pendidikan, dan lainnya.
4. Mengatur Keuangan
Saat membeli asuransi, seseorang harus melakukan budgeting untuk membayar tagihan premi asuransi pada periode tertentu. Nah, karena kewajiban membayar premi secara rutin, ternyata bisa membuat seseorang lebih disiplin dalam mengatur keuangan, loh. Karena secara otomatis kita akan menyisihkan sebagian uang untuk membayar premi tersebut.
5. Asuransi sebagai Upaya Memperkecil Risiko
Secara garis besar, semua produk asuransi memiliki fungsi dan manfaat yang sama yakni meminimalisir risiko kerugian dengan berbagai skema yang dimiliki oleh perusahaan asuransi untuk menahan risiko kerugian sampai pada batas/level tertentu. Hal ini dikarenakan asuransi dapat membantu menanggung kerugian akibat sebuah peristiwa.
Nah, itulah beberapa manfaat dari memiliki asuransi yang wajib kamu ketahui. Ingat, jika kamu tertarik untuk memiliki asuransi riset terlebih dahulu ya, asuransi mana yang benar-benar kamu butuhkan dan bandingkan semua produk asuransi berdasarkan pertimbangan yang mungkin kamu miliki.
Sumber:
https://finance.detik.com/moneter/d-5331929/masyarakat-ri-banyak-yang-belum-melek-asuransi-jiwa
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