Yuk Kenalan Sama Jenis-Jenis Asuransi

Ilustrasi Jenis Asuransi | Lifepal

Tidak ada yang tahu pasti kejadian apa saja yang mungkin menimpa kita di masa depan. Oleh karena itu, hadirlah asuransi sebagai perlindungan dari risiko dan kerugian yang tak terduga tersebut. Namun, saking banyaknya macam-macam asuransi di Indonesia, membuat orang kerap bingung untuk membedakan masing-masing manfaat dari tiap produk asuransi. Ketidaktahuan tersebut yang mengakibatkan beberapa orang merasa ‘tertipu’ karena manfaat asuransi tidak sesuai dengan ekspektasi. Lalu, apa saja jenis asuransi dan apa contohnya? Yuk coba kita liat jenisnya di Indonesia:

Asuransi Jiwa

Salah satu macam-macam asuransi yang terkenal di kalangan masyarakat adalah asuransi jiwa. Asuransi jiwa memberikan keuntungan finansial kepada tertanggung atas kematiannya. Tujuan dan manfaat dari asuransi jiwa adalah untuk memberikan perlindungan terhadap timbulnya kerugian finansial atau hilangnya pendapatan seseorang akibat adanya kematian anggota keluarga tertanggung yang umumnya menjadi sumber nafkah bagi keluarga. Dengan adanya pembayaran dari pihak asuransi, keluarga tetap dapat melangsungkan hidup pasca kematian anggota keluarga.

Melansir dari axa-mandiri.co.id, terdapat tiga macam asuransi jiwa :

  • Term Life: Asuransi jiwa ini akan memberi perlindungan dalam jangka waktu 1,5 atau 10 tahun. Walaupun nilai pertanggungan produk asuransi jiwa ini jauh lebih besar, uang premi hangus di akhir periode. 
  • Whole Life: Perlindungan asuransi jiwa ini seumur hidup, tetapi preminya lebih mahal. Jika pemegang polis tidak meninggal selama masa kontrak, maka uang pertanggungan dapat di klaim namun jumlahnya tidak sebesar produk asuransi jiwa term life. 
  • Unit Link: Unit Link merupakan asuransi yang tergolong jenis asuransi non tradisional. Pengertian dari unit link adalah produk asuransi yang mengkombinasikan asuransi dan produk investasi. Jadi, ibaratnya dana nasabah dipecah dan dimasukkan ke dalam dua keranjang, sebagian masuk keranjang premi asuransi untuk perlindungan dan sebagian lagi disetorkan oleh perusahaan asuransi ke manajer investasi agar dikelola sebagai investasi. Keputusan penempatan investasi sepenuhnya ada di tangan nasabah.

Asuransi Kesehatan

Banyak orang salah sangka bahwa asuransi kesehatan adalah asuransi jiwa. Padahal keduanya memiliki kebermanfaatan yang berbeda. Asuransi kesehatan merupakan produk asuransi yang menangani masalah kesehatan kepada pemegang polis. Produk penanggungan ini akan memberikan manfaat kepada pemegang polis yang membutuhkan perawatan kesehatan akibat suatu penyakit serta menanggung biaya proses perawatan. Umumnya, penyebab sakit tertanggung yang biayanya dapat ditanggung oleh perusahaan asuransi adalah cedera, cacat, sakit, penyakit kritis, hingga kematian karena kecelakaan. 

Terdapat 4 macam asuransi kesehatan dari para perusahan penanggung, yakni:

  • Pertama, Asuransi berjangka 
  • Kedua, Asuransi tabungan 
  • Ketiga, Asuransi seumur hidup
  • Keempat, Asuransi kontrak anuitas

Asuransi Pendidikan

Mengingat tingginya biaya pendidikan saat ini, banyak orang tua yang terbebani dengan angka tersebut. Dengan adanya kenaikan sebesar 10-15% per tahunnya, membuat orang tua lebih memilih untuk membeli produk asuransi pendidikan dalam rangka mempersiapkan masa depan anak. Biaya premi yang harus dibayarkan per bulan berbeda-beda, tergantung dari tingkat pendidikan yang ingin didapatkan. Asuransi pendidikan menawarkan manfaat berupa tanggungan biaya pendidikan. Jenis asuransi ini memberikan kemudahan kepada para orang tua untuk menyiapkan uang sekolah anak secara mudah. Apabila nantinya tak lagi produktif menghasilkan uang, tabungan dalam bentuk asuransi pendidikan ini bisa diklaim untuk membiayai kebutuhan sekolah anak pemegang polis.

Asuransi Kendaraan

Terdapat 2 jenis asuransi kendaraan, yakni asuransi motor dan mobil. Asuransi mobil adalah produk asuransi yang memberikan ganti rugi apabila terjadi kerusakan/kehilangan pada mobil atau motor karena kecelakaan. Ketika kamu menabrak atau orang lain yang menabrak. Selain itu, asuransi juga menanggung risiko kerusakan akibat bencana alam seperti banjir maupun huru-hara tetapi dengan catatan penambahan premi.

Selain keempat asuransi di atas, masih banyak jenis-jenis asuransi lainnya lagi loh seperti :

Asuransi smartphone, asuransi properti, asuransi bisnis, asuransi kelautan asuransi pengiriman barang, asuransi dana pensiun, asuransi umum, dan lainnya. Jangan lupa ketika sobat ingin mendaftar asuransi untuk selalu mengecek kembali terms dan condition dari polis asuransi.

Ayuk tulis di kolom komentar asuransi yang wajib kalian punya menurut kalian! Kamu masih bingung kenapa harus asuransi? Simak https://davidwijaya.com/2022/06/02/pentingnya-asuransi/

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