Myth vs Fact: Things You Need to Know about Insurance
SUMBERPULSA.COM - Insurance is often a topic full of misconceptions. Many people have a wrong view of this financial product. This article will review some general myths about insurance and reveal the true facts behind it.
Myth 1: Insurance is only for the rich
Fact: Insurance is designed for all people, not only the rich. There are various types of flexible premium insurance products, so you can choose according to the needs and financial capabilities. Insurance is actually a tool to manage financial risk that may occur in the future, such as illness, accident, or death.
Myth 2: Insurance claims are difficult to submit
Fact: The process of submitting insurance claims has become easier and more transparent. Many insurance companies provide online services and call centers to facilitate customers in submitting claims. However, it is important to read the insurance policy carefully so that you understand the requirements and procedures for the applicable claims.
Myth 3: Insurance only burdens finances
Fact: Indeed, insurance premiums are monthly expenses. However, when compared to the costs that must be incurred in the event of an unexpected risk, insurance premiums are much smaller. Insurance provides peace of mind because you already have financial protection if things happen that are not desirable.
Myth 4: Useful insurance if I am healthy
Fact: Many people think that insurance is only needed when sick. In fact, health insurance also provides preventive benefits, such as routine health checks. In addition, life insurance provides financial protection for people left behind if there is a risk of death.
Myth 5: All insurance products are the same
Fact: Insurance products are very diverse, ranging from health insurance, life, vehicles, property, to travel insurance. Each product has different features and benefits. Therefore, it is important to compare various products before deciding to buy.
Myth 6: Insurance agents only sell products
Fact: A professional insurance agent will provide consultation that suits your needs. They will help you choose the right insurance product and explain the benefits and risks related.
Conclusion
Myths about insurance often prevent people from having adequate financial protection. By understanding the actual facts, you can make wiser decisions in choosing insurance products.
