
Asuransi adalah sebuah cara untuk mengurangi risiko bahaya yang mungkin akan Kamu hadapi di masa depan. Dengan menggunakan produk asuransi, Kamu dapat membagi beban risiko kepda perusahaan asuransi. Dalam penggunaan asuransi, Kamu pasti tidak asing dengan istilah premi. Ya, premi adalah biaya asuransi yang harus di bayarkan oleh peserta asuransi kepada perusahaan sesuai jenis dan produk asuransi yang di pilih. Tinggi rendahnya biaya premi biasanya dihitung berdasarkan tingkat risiko yang mungkin terjadi pada Kamu.
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Untuk mengetahui lebih lanjut lagi seputar faktor penyebab premi asuransi menjadi tinggi, simak 5 hal di bawah ini.
#1 Perokok aktif
Jika Kamu adalah seorang perokok aktif, bukan hal yang tidak mungkin jika Kamu harus membayar premi yang cukup tinggi. Hal ini di sebabkan karena penyakit yang timbul dari kebiasaan merokok aktif akan jauh lebih tinggi di bandingkan orang yang tidak merokok. Maka, perusahaan asuransi pasti akan menetapkan premi yang lebih tinggi karena pola hidup Kamu kurang sehat.
#2 Obesitas atau overweight
Di sebagian kebudayaan, menjadi gemuk adalah lambang dari keuangan dan kemakmuran. Tetapi, hal ini berbanding terbaik dengan pemahaman perusahaan asuransi. Perusahaan akan menilai kegemukan yang di alami peserta asuransi dapat menimbulkan berbagai penyakit dalam waktu dekat. Maka dari itu, jika Kamu mengalami obesitas atau kegemukan, siap-siap untuk membayar premi tinggi.
Gemuk memang bukan suatu masalah karena beberapa orang akan terlahir dengan gen gemuk, tetapi kegemukan atau obesitas dapat membawa Kamu ke berbagai penyakit serius!
#3 Risiko akibat pekerjaan membuat premi asuransi mahal
Tahukah Kamu bahwa pekerjaan juga menjadi pertimbangan bagi perusahaan asuransi dalam menentukan besaran premi yang di bayarkan? Ya! Hal ini memang betul dan semua perusahaan asuransi akan menentukan premi yang tinggi apabila pekerjaan yang Kamu lakukan termasuk ke dalam jenis pekerjaan berbahaya, seperti pekerja di tambang batubara, emas, pengeboran minyak, pilot, masinis, sampai dengan polisi. Untuk Kamu yang memiliki pekerjaan dengan risiko tinggi, tetap jaga keamanan dan patuhi SOP perusahaan, ya!
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#4 Penyakit keturunan dan catatan medis
Jika Kamu memiliki keluarga dengan riwayat penyakit bawaan, maka Kamu harus bersiap untuk membayar biaya premi lebih tinggi jika menggunakan produk asuransi kesehatan. Ada beberapa daftar penyakit keturunan dan catatan medis yang akan memengaruhi biaya premi adalah diabetes, penyakit jantung, kanker, kolesterol tinggi, depresi, dan riwayat penyalahgunaan obat-obatan (kecanduan narkoba).
#5 Hobi Ekstrim
Ternyata, perusahaan asuransi akan memberikanmu premi dengan harga tinggi jika Kamu memiliki hobi yang cukup ekstrim. Hal ini di sebabkan karena kegiatan ekstrim sangat rawat terhadap risiko bahaya. Jika Kamu memiliki hobi yang cukup ekstrim, akan lebih baik jika Kamu sangat memahami berbagai risiko bahaya dan sebisa mungkin hindari risiko kecelakaan yang timbul. Menggunakan peralatan keamanan yang baik dapat mengurangi risiko kecelakaan yang parah.
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Pahami Dirimu Lebih Jauh Ketika Menggunakan Asuransi
Semua orang pasti akan mengalami berbagai risiko bahaya pada dirinya masing-masing. Untuk mengurangi risiko tersebut, Kamu bisa menggunakan asuransi yang sangat berguna agar beban biaya berobat dapat di bagi kepada pihak asuransi. Memiliki asuransi memang penting, tapi jika Kamu tidak ingin menggunakan asuransi dengan premi yang tinggi, maka Kamu harus menjaga kesehatan dengan baik. Jangan melakukan hal yang dapat merugikan diri sendiri dan keluarga.
Sumber:
https://avrist.com/lifeguide/2019/04/30/inilah-penyebab-mengapa-premi-asuransi-anda-jadi-mahal/
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