Getting
married is a precious moment in life. For those of you who have just married,
or are planning a wedding, there is one thing you need to consider with your
partner, namely: choosing the right insurance. When starting to build a
household, maybe family health insurance is not yet a top priority

It isnatural that you will be compelled to buy a house in advance, have a privatevehicle, or even prepare for the arrival of the baby. However, when it comes tohaving insurance for your family, you think “We are all doing well.”

In fact,discussing insurance in the early days of marriage, will provide peace of mindfor the future. Imagine if you or your partner had a critical illness until youwere no longer able to work. This means that the source of family income isreduced. Moreover, if the situation occurs in the main breadwinner who does nothave insurance. Can you imagine how much impact this will have on the family?

 

ChooseHealth Insurance or Critical Illness Insurance?

Which comesfirst, health insurance or critical illness? Let's check together.

 

1. HealthInsurance

Healthinsurance is the first insurance instrument you need to have. Maybe you andyour partner already had insurance before when you were alone. However, whenthe vows to live together have been spoken, it means you have to start thinkingabout family health insurance as a top priority.

One of thereasons young couples put off getting insurance is because they are waiting tohave children first. In fact, one element of family health insurance is thebenefit of giving birth. Of course, insurance can ease the burden of hospitalbills when the moment of giving birth arrives.

According tothe Alodokter website, the cost of normal childbirth in Indonesia starts fromRp. 2 million to Rp. 15 million. Meanwhile, the cost of caesarean deliveryranges from Rp. 11 million to Rp. 50 million. The cost varies depending on thehost hospital, the class of care, medicines, and medical procedures performedduring the delivery process. This means that you and your partner areencouraged to set up an emergency fund of 20% -30% of the estimated cost ofgiving birth above.

Withrelatively inexpensive costs, family health insurance can provide coverage formaternity care costs. In the MiUltimate Health Care insurance product fromManulife Indonesia,

The Insuredwill get benefits of up to IDR 50 million for delivery costs. As a result, theemergency funds that you prepare can be allocated for other needs.

 

2.Critical Illness Insurance

Basically,critical illness insurance is part of family health insurance. But whatdistinguishes it is critical illness insurance provides additional benefitsthat are much more specific. This insurance covers dangerous diseases thatrequire large costs, are fatal and lead to the risk of death.

Why iscritical illness insurance important today? Consciously or not, the risk ofcritical illness or known as degenerative can lurk anyone, including theproductive age group. For example, narrowing of blood vessels or cardiovasculardiseases such as heart disease.

Based ondata from the Basic Health Research (Riskesdas), the prevalence of heartdisease in the 25-34 year age group reached 1.4%, while in the 35-44 year agegroup it reached 3.7% per 1,000 population.

Furthermore,according to the same survey, at least 15 out of 1000 people or around2,784,064 individuals in Indonesia suffer from this disease. Imagine, that'sjust one disease. There are still other degenerative diseases with a fairlyhigh prevalence rate, such as stroke and diabetes.

What shouldbe realized about the risk of critical illness is the health costs spent. Justso you know, the cost of bypass surgery or installing a heart ring can drainyour pocket up to around Rp. 300 million in a private hospital. This diseasetends to make the sufferer sick for a long time. It is not impossible,sufferers are no longer productive at work and eventually lose their jobs.

That's wherethe role of critical illness insurance. Broadly speaking, this type ofinsurance helps you and your partner avoid a financial downturn. He serves toprovide a replacement cost of the loss of an income.

Well,another insurance that can be considered is MiUltimate Critical Care fromManulife Indonesia. This insurance provides protection against at least 50types of critical illness. The premium payment period is relatively short,namely five years, but you can get benefits for the next 20 years.

Theillustration is like this. Budi, 42 years old, has been paying MiUltimateCritical Care premiums for 3 years. In the fourth year, he was diagnosed by adoctor with a late-stage stroke that limited his physical abilities. From theillustration above, what will Budi get? There are at least three scenarios.

First, Budiwill receive benefits in the form of 100% of the sum insured + 100% of thetotal premium that has been paid. Second, if the stroke causes Budi's death,the family will benefit 160% of the total premium paid. Third, if Budi is ingood health until the premium period expires, he will still get 160% of thetotal premium paid.

 

TipsBefore Buying Family Insurance

So, if youand your partner are already planning to have the family health insurancedescribed above, let's look at these three tips before buying.

 

1. UnderstandHealth History

It's commonto talk about you and your partner's medical history in the early days ofmarriage. This includes noting various unhealthy habits, such as smoking,consuming junk food, infrequent exercise, and others.

This isimportant so that you can calculate the emergency costs needed in the future.Perform periodic medical check-ups to determine the risk of disease that willarise. Because, most diseases come without having serious symptoms.

 

2. SeekMaximum Protection

It isimportant to look for family insurance with maximum protection. Someinsurances, such as MiUltimate Healthcare, provide benefits to the Insured withan age limit of up to 110 years. This age is considered to exceed the averagelife expectancy of Indonesians which reaches 71.4 years.

 

3. Payaccording to financial conditions

Familyinsurance, including critical illness insurance, is not cheap. Therefore, ifyou and your partner plan to have this insurance, it is important to check theability of your monthly budget to pay premiums. You can also pay it annually.

By havingboth of these insurances for you and your partner, at least you have provided asense of security in the family. It's just a matter of how you realize otherplans that you and your partner want. Enjoy your new life!