As an employee of a company, it is important to manage your lifestyle wisely amid your daily activities. Maintaining good health is essential to stay in top condition, and managing your finances is crucial to meet various needs, such as paying installments, household expenses, and routine shopping. In addition to allocating income to different expense categories, it is also important to prepare for unexpected financial risks. For example, if the breadwinner or head of the family passes away while mortgage or car loan installments are still ongoing, the surviving family members must continue making the remaining payments.
Is insurance from work sufficient for personal protection against unexpected financial risks?
Although some companies provide insurance for their employees, the coverage is often limited.
Read the explanation below to help you decide!
Office Insurance vs. Personal Insurance: What's the Difference?
- Limited Coverage
Not all companies provide comprehensive insurance. Office insurance typically only covers basic outpatient and inpatient care, along with limited health benefits. In the event of a major risk such as a critical illness or serious accident, the coverage may be insufficient. Additionally, life insurance is not always included, yet it plays a crucial role in protecting your family from such risks.
- Coverage Ends When You Leave the Company
If you resign or are laid off, your office insurance benefits automatically end. This can become a serious issue if you or your family suddenly need health or life insurance coverage.
After reading the explanation above, do you feel the need for personal insurance? Personal insurance can serve as additional protection when you require more comprehensive coverage.
BCA has partnered with AIA to offer an insurance product called: Proteksi Jiwa Maksima (JIMI). JIMI provides added protection to help maintain your and your family's financial security in a more flexible and optimal way. With life insurance, if the breadwinner or head of the family passes away, the surviving family members will receive a sum assured to help cover financial obligations (such as household expenses or outstanding debts like unpaid loans). This benefit can also support any ongoing or unfulfilled financial plans.
Advantages of JIMI Insurance
JIMI is a traditional life insurance policy with a 20-year coverage period, offering optimal protection with a total Sum Assured of up to 315%, which includes:
- 100% of the initial Sum Assured the event of death
- A booster Sum Assured of up to 110%
- An additional 100% of the initial Sum Assured if death occurs due to an accident
- An extra 5% of the Sum Assured if premiums are paid via BCA Credit Card auto-debit
- Affordable premiums starting from IDR550,000 per month
With the booster Sum Assured, it is expected that the impact of inflation on the inherited sum assured can be anticipated.
JIMI also offers the option to join AIA Vitality, a program that supports a healthier lifestyle in a simple and personalized way through three stages: know your health, improve your health, and enjoy the rewards. AIA Vitality motivates you to maintain healthy habits by offering lifestyle rewards and cashback on future premiums. The cashback amount is adjusted based on your AIA Vitality status in the previous policy year, as a token of appreciation for your healthy efforts.
Protect yourself today with JIMI coverage. Click the button below for more information.