Sesimpel Ini Nyicil Untuk Proteksi Diri Covid 19

Pada tanggal 16 Agustus 2022 kemarin setelah proteksi diri yang ketat pada era pandemi, melalui konferensi pers RAPBN di Jakarta disampaikan bahwa penanganan virus Corona (Coronavirus Disease-2019/Covid-19) tidak lagi masuk dalam Rancangan Anggaran Pendapatan dan Belanja Negara (RAPBN) 2023, loh. Hal ini disampaikan oleh Menteri Keuangan (Menkeu) Sri Mulyani Indrawati, yang menambahkan juga perbandingan antara anggaran kesehatan tanpa Covid dengan anggaran disertai kebutuhan Covid. Menurut beliau, anggaran kesehatan tanpa Covid-19 naik Rp 130 triliun menjadi Rp 169 triliun. Selain itu, dipaparkan juga anggaran kesehatan pada 2020 sebesar Rp 172,3 triliun dengan kebutuhan Covid sebesar Rp 52,4 triliun. Sementara pada 2021 anggaran kesehatan Rp 312,4 triliun dengan anggaran untuk penanganan Covid-19 sebesar Rp 188 triliun. Peningkatannya cukup besar ya.

Lantas Bagaimana?

Kalau begitu, ketika kita terkena Covid harus tanggung sendiri dong?! Sepertinya iya nih. Kondisi Covid-19 yang masih belum berakhir, tentunya membuat kamu jadi was was ya? Nah, salah satu pilihan untuk berlindung dari kondisi ini adalah harus melek asuransi sebagai proteksi diri nih. Memiliki asuransi dapat melindungi kamu dari berbagai risiko baik untuk Covid-19 maupun tidak. Kalau investasi bantu uang untuk bekerja untukmu demi masa depan yang lebih cerah, asuransi bantu kamu melindungi mimpi atau visi yang kamu miliki di masa depan.

Masih Newbie, Gimana Cara Pilih yang Tepat?

Buat kamu yang masih bingung bagaimana memilih asuransi yang tepat, yuk simak tips di bawah:

1. Cermati manfaat dari produk asuransi

Saat melihat produk asuransi kamu perlu untuk memperhatikan manfaat yang di tawarkan dari produk asuransi yang kamu pilih. Asuransi ibaratnya sebagai jaring pengaman kamu ke depannya sehingga harus tepat sasaran manfaatnya. Seperti perihal penggantian biaya, penyakit yang di cover oleh asuransi, klaim biaya, serta karena Covid-19 masih ada pastikan juga asuransi yang kamu pilih menanggung biaya perawatan Covid-19.

2. Sesuaikan dengan bujet

Walau asuransi merupakan safety net, dalam memilih asuransi perhatikan juga bujetnya. Pastikan bahwa saat kamu mengambil keputusan untuk memiliki asuransi, kamu mampu untuk membayar biaya asuransi hingga batas waktu yang di tentukan. Sesuaikan asuransi mana yang cocok dengan bujet mu saat ini. Jika tidak sesuai bujet mu, nanti malah berhenti di tengah jalan dan biaya yang sudah kamu bayarkan jadi hangus. Coba pilih asuransi yang memiliki bujet sebesar 10% dari pengeluaran bulanmu ya. 

3. Memiliki jaringan rumah sakit yang luas

Hal lain yang harus kamu perhatikan saat memilih perusahaan asuransi adalah jaringan rumah sakit yang di miliki perusahaan tersebut. Pastikan bahwa perusahaan asuransi yang kamu pilih memiliki jaringan rumah sakit yang luas sehingga akan mempermudah kamu nantinya saat keadaan darurat. Poin plus lagi jika perusahaan tersebut mempunyai fasilitas layanan online ya. 

4. Cara cek klaim asuransi tidak bertele-tele

Tentunya ketika ingin melakukan klaim, kamu pasti menghindari prosedur yang berbelit dan bertele-tele. Untuk terhindar dari hal ini, baca dengan cermat polis yang di berikan oleh perusahaan asuransi sejak awal agar kamu mengetahui prosedurnya dengan baik. 

5. Pastikan kredibilitas perusahaan asuransi 

Ketika kamu memilih untuk memiliki asuransi, pastikan kamu memilih perusahaan yang memiliki kredibilitas ya. Jangan asal memilih hanya karena manfaat yang di tawarkan karena saat ini banyak penipuan berkedok asuransi, loh. Cara yang bisa kamu lakukan adalah mengecek rekam jejak perusahaan tersebut sehingga kamu lebih paham dengan perusahaan asuransi yang kamu pilih. 

Sumber terkait proteksi diri asuransi:

https://www.allianz.co.id/tentang-kami/berita-perusahaan/rilis-media/2021/2021-januari/kasus-covid19-masih-terus-bertambah-pahami-pentingnya-punya-asuransi-kesehatan-untuk-tangkal-tingginya-biaya-perawatan-covid19.html

Penulis:

Kategori: Keuangan

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358 Comments

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  81. I strongly recommend stay away from this site. My own encounter with it was nothing but dismay and suspicion of fraudulent activities. Proceed with extreme caution, or even better, look for an honest site to fulfill your requirements.

  82. I strongly recommend to avoid this platform. My personal experience with it has been purely frustration as well as concerns regarding scamming practices. Proceed with extreme caution, or better yet, look for a more reputable site for your needs.

  83. I strongly recommend stay away from this site. My personal experience with it was only frustration and doubts about scamming practices. Exercise extreme caution, or even better, look for a more reputable site to meet your needs.

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