Liga Asuransi – Dear readers, how are you? I hope your business does well this year and wish you even better next year.
As you already know, last week on November 21, an earthquake occurred which is located 10 Km Southwest of Cianjur Regency, West Java. The 5.6 M earthquake has so far caused financial losses to residents in the Cianjur area due to damage to their assets, and has even claimed lives.
In addition to the earthquake that occurred in Cianjur, several regions in Indonesia have also experienced natural disasters such as floods, landslides, tornadoes, etc.
Natural disasters are one of the many unpredictable risks. Apart from causing fatalities and injuries, many other losses may arise, such as damage to houses, property, vehicles and even delays in tourist trips.
Natural disasters can also create human tragedies, undermine the foundations of the economy, and hinder development. If something like this happens to you and your family at any time, you will definitely experience a huge loss.
Maybe you and your family will experience losses that can reach tens or even hundreds of millions of rupiah, according to the amount of damage to the assets you have.
On this occasion, we will discuss how to minimize financial losses caused by natural disasters.
If you are interested in this article, immediately share it with your colleagues so they can understand and prepare for all the risks that can occur at any time.
Actually, there is a fairly simple way for you to reduce financial losses due to natural disasters. The simple way is to have insurance.
However, you must have insurance during normal conditions, not at the time of the incident or after the incident.
So, what does this have to do with having insurance and natural disaster losses? Let’s discuss together!
Insurance that you must prepare
Here’s the insurance that you must prepare to reduce financial losses
- Life Insurance
One type of insurance to deal with natural disasters is life insurance. Life insurance is a protection program for families in the event of unwanted things, such as death, for insurance policy holders. Factors that cause these risks are very diverse, one of which is the occurrence of natural disasters, such as floods, landslides, earthquakes and tsunamis.
By having life insurance as insurance for natural disasters, you can ensure the stability of your family’s economy if at any time the risk of dying due to natural disasters approaches.
- Health Insurance
Maybe some people already have health insurance. The reason is, health insurance covers the amount of costs incurred when you have to undergo treatment at the hospital. If during an earthquake or other disaster, you are affected in the form of a deep wound or certain scratches, health insurance can be the right choice.
Of course, it is not only injured when the natural disaster occurs. If after the earthquake and the conditions where you live are still inadequate, so that it makes your immune system decrease and causes illness, health insurance can also provide guarantees for hospital expenses that must be incurred at that time.
- Property All Risk
Insurance Property insurance is insurance that guarantees the property you own from all risks that may occur, such as natural disasters, riots, strikes, theft and demolition.
Natural disasters such as earthquakes, floods, etc. can certainly result in losses to property such as your home or place of business.
Protecting property assets with insurance is one of the right steps to minimize losses due to unexpected disasters.
- Vehicle Insurance Vehicle
is one of the most important assets to have, because its function is to facilitate one’s mobility for activities.
However, vehicles are also most often affected by natural disasters, ranging from collisions that occur due to shaking, being crushed by collapsed buildings, to falling into steep places such as ravines or the sea.
When you buy vehicle insurance, make sure that the insurance can cover losses caused by collapsing buildings, being submerged in flash floods, and so on.
In fact, not only vehicles that can be protected by insurance. Vehicle passengers who experience the consequences of a disaster can also get protection, if the passenger is in the vehicle when the disaster occurs. So, in addition to assets, we also protect ourselves from the risk of natural disasters that might occur.
- Travel
Insurance Travel insurance is insurance that provides protection as long as we travel both domestically and abroad. When you are on a business trip or just on vacation, natural disasters can happen at any time.
Like the case of natural disasters that have occurred in Lombok, which is one of the biggest tourist destinations. In this incident, of course, many tourists were there when the earthquake occurred.
Travel insurance is one of the important things that can be used to minimize losses, one of which is due to flight delays, this is the thing that most often occurs as a result of natural disasters.
Travel insurance can provide compensation for all losses incurred due to flight delays from the airlines we use.
To get the benefits of protection for the above, make sure the insurance chosen has extensive hospital partners and is around the location of your trip.
From the start, you can minimize any losses caused by earthquakes or other disasters that might occur.
It’s possible, in the time you’re not in a disaster insurance will look like an extra burden. Because insurance is a product that must be purchased or owned when you don’t need it or are not experiencing a disaster. However, the benefits provided by insurance will be felt when losses due to disasters occur.
From disaster insurance, it is at least able to reduce the impact of the losses incurred. At least this insurance is also able to help with recovery funds.
From disaster insurance that we have, at least it is able to reduce the impact of losses incurred, and having insurance can help you recover funds after an incident.
How to get the Best Natural Disaster Insurance?
To get natural disaster insurance coverage in Indonesia is not easy, it requires an understanding of risk management that is not insured in an insurance policy. Therefore, you really need help from an insurance brokerage company that has experience in dealing with natural disaster risks.
Insurance brokers are certified insurance experts from credible insurance education institutions in Indonesia and abroad. They are registered with the Financial Services Authority (OJK).
An insurance broker will help you review contracts, company documents and other necessary information. Then place your risk with several insurance companies and banks to get suitable guarantees at competitive fees.
One of the official insurance brokerage companies registered with OJK is L&G Insurance Broker.
For all your insurance needs, contact L&G now!
Source :
- https://www.daya.id/usaha/artikel-daya/keuangan/cara-minimalisir-kerugian-akibat-bencana-alam
- https://nasional.kontan.co.id/news/usaha-mengurangi-risiko -loss-financial-as a result of-terjadinya-earthquake
- https://wakalahmu.com/artikel/literasi-asuransi/7-exemplary-asuransi-bencana-alam-yang-according-with-
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