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Uzone.id – Many people are still pessimistic about insurance, especially when we accidentally have to pay for something that is not certain to happen.
Imagine you climb the mountain with enthusiasm, but suddenly slip and get injured. High medical costs can drain your savings. Or, while cycling casually, your bicycle is stolen. These unexpected events can disrupt your active lifestyle and drain your wallet.
The lifestyle that we live when we are young is vulnerable to being disrupted by unexpected events.
“Buying insurance at a young age is important. The younger you buy, the cheaper it is. Still young and healthy, so the premiums are more affordable. Don’t wait until you are 40-50 years old. The younger you buy insurance, the better, ” said Chief Operations & Health Officer Prudential Life Assurance, Dian Budiman.
This is where lifestyle insurance comes in as your best friend! Various types of insurance are available to protect your hobbies and favorite activities, giving you peace of mind and the freedom to continue enjoying life.
If we want to have life and health protection in the future, we need to prepare insurance from an early age. Here are 4 important reasons:
- Cheaper Premium Costs
If you decide to have insurance at a young age, the premium you pay will be much cheaper. Health conditions that are still healthy at the age of 20-30 years are the reason for the cheap premium costs.
It’s different if you have insurance when you are 40-50 years old, the company will charge a higher premium because your health condition is different compared to when you were younger and the risk of getting sick is higher.
- Provide Protection
Insurance will provide protection when you experience risks in the future. The protection you get certainly depends on the type of insurance you choose.
If you choose health insurance, you will get protection for health care. Meanwhile, in life insurance, the insurance company will cover the risk if the customer dies.
By preparing insurance early on, you don’t need to worry about losses from uncertainty that will occur in the future.
- Greater Opportunity to Apply for Insurance
If you apply for insurance from a young age, your chances of being accepted by the insurance company will be greater, because it is assumed that you are in good health without comorbidities.
It’s different if you apply for insurance at the age of 40-50, the insurance company will do it screening strictly for prospective customers. This is because, in that age range, a person is at greater risk of contracting disease and dying.
- To Manage Finances
Instead of buying trendy coffee and boba drinks every day, you can divert your finances to useful things, such as insurance. By having insurance, you can use money that is often used for lifestyle purposes only to pay insurance premiums every month.
At least, several types of insurance support our lifestyle, which we can choose according to our needs and hopefully provide peace of mind in living our lifestyle.
1. Travel Insurance:
Protect your travel moments with travel insurance that covers the costs of flight cancellation, lost baggage, flight delays, and even emergency medical evacuation abroad.
That way, we can be free to adventure men explore the world without worry, and enjoy
exciting adventures anywhere, anytime.
This insurance is suitable for backpackers, travelers, and nature tourism lovers.
2. Sports Insurance:
Injured while exercising? Don’t worry, there’s insurance! This insurance covers medical costs, rehabilitation, and even permanent disability compensation due to sports accidents.
So we can stay active in various favorite sports, such as swimming, cycling, futsal, or mountain climbing, without worry.
This insurance is suitable for professional athletes, sportsmen, and physical activity lovers.
3. Pet Insurance:
Pets are part of the family. This insurance covers medical expenses, care, and even the cost of destroying a pet due to illness or accident.
Provide the best care and create beautiful moments together without feeling anxious, this insurance is suitable for owners of dogs, cats, rabbits, and other pets.
4. Gadget Insurance:
Gadget damaged while traveling? New replacement gadget insurance! This insurance covers damage, loss, and theft of your favorite gadget.
Stay connected and entertained and always be able to use gadgets without worry, enjoy exciting moments anywhere.
This insurance is suitable for smartphone, laptop, tablet, and camera users.
5. Household Insurance, peaceful family, calm heart! This insurance covers damage due to fire, earthquake, flood, and even theft.
Protect your home and your community with a safe and comfortable home atmosphere for your beloved family.
This insurance is suitable for home, apartment, and condominium owners.
Tips for Choosing the Right Lifestyle Insurance:
- Know your needs: Choose insurance according to your hobbies, activities, and lifestyle.
- Compare and choose: Look for information and compare various insurance products from trusted companies.
- Understand the policy: Read the policy carefully, making sure you understand the coverage, limitations, and exclusions.
- Consult an agent: Don’t hesitate to consult an insurance agent to get more complete advice and information.
Remember: Insurance is not only about compensating for losses but also about peace of mind and the freedom to enjoy life without worry.
Choose the right lifestyle insurance and create a colorful and meaningful life! And don’t forget:
- Always read the insurance policy carefully before purchasing.
- Understand the coverage, limitations, and exclusions stated in the policy.
- Choose an insurance company that has a good reputation and is trustworthy.
- Make sure you pay insurance premiums regularly so that the policy remains active.
With lifestyle insurance, you can enjoy an active and adventurous life without worry.
