Today, many insurance options offered by various companies. However, sometimes we do not know exactly about the calculation of the services that we can gain a cost we have to pay. Therefore, be diligent to ask the insurer so that we can get the maximum benefit from the insurance that we buy. Here is some consideration before deciding to choose insurance services:
The number of family members:
How many families are covered. The greater the number of families, the greater the premium value that we take, so that the level of benefits could be used to charge up for the whole family covered. Ideally, if a family with two children or more, at least not obtained the insurance coverage at least equal to 12 times the expenditure per month. Choose the type of insurance to the value of the premium that can protect up to that value.
Current economic conditions
Adjust the current economic conditions. If we are in a condition that is sufficient, which means usually have a desire to enjoy more amenities, there's nothing wrong with prioritizing insurance premium equal value
The percentage of the cost of insurance
It is advisable to remove the insurance costs at least 10% of the revenue. Make this should "investment" because the insurance coverage obtained will be "bonus" that allows at a later date.
Value premiums paid by the company
If it works, ask how much the premiums that have been paid out of the company. If the protection afforded that's enough, allocate private insurance for other insurance which is not borne by the company.
In essence, we must know the exact amount of the sum insured that we can with what we paid for insurance. Choose the insurance that can provide maximum protection.
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