KOMPAS.com - When buying life insurance, insurance agents often recommend that customers also purchase additional insurance called a "rider". "Rider" is not free, you know, there is also a premium to be paid.
"I never found a life insurance policy with more than six riders at a time. Means that the premium paid is more expensive. Fact, it is not necessarily beneficial rider maximum, it is better to enhance the life insurance money," said Freddy Pieloor of financial planners Money and Love.
Pritchard Hapsari Ghozie of Zapfinance said, for insurance clients aged 30-50 years, the rider is most needed is health insurance, not the other. This is justified by sound of chuckle Budiman Sofyan, Head of Marketing of Commonwealth Life. "Based on our experience, at any age, usually the rider to be a major health," he said.
Ligwina Hananto, a financial planner from Quantum Magna, suggesting that a critical illness rider does not need to be taken because the benefits were not as great as expected. Freddy said the same thing. "Rider critical illness is hard to claim. Anyway reimbursement is not much, "said Freddy. According to him, it is better to insure a pure accident, not an additional insurance or a rider. The function of the sum assured under critical illness insurance is the same as accident insurance, which is to replace the loss of revenue because the customer is unable to work as usual. It was not for the cost of treatment of critical illnesses.
Replacement of critical illness rider does need more requirements. There are insurance companies who require to get a replacement because the customer has been sentenced to suffer from kidney disease, the sum assured will come out only when both kidneys have failed and can no longer be transplanted. If one is still functioning, the sum assured will not come out. If the client suffers a stroke, then the sum assured out. If the client was sentenced to a doctor with cancer, stage 4 new sum it out.
There is another rider named wifer premium. This type of rider benefits exemption of insurance premiums in accordance with the product in the event of the insured's total and permanent disability due to accident or illness. If the insured is no longer able to work and pay the premiums, the protection will still run because premiums will be paid an insurance company. "However, it should be observed also, how long the insurance company is willing to pay a premium," said Freddy.
Another common rider is accidental death and offered disablement benefit (ADDB). This rider provides additional protection from permanent disability and accidental death. When customers have an accident insurance and death, the sum assured will be given. Similarly, if the insured suffered total permanent disability due to accident. The insurance company will give you the percentage of the sum insured if the insured suffers permanent partial disability due to accident. According to Pritchard, it should be examined whether this rider provides optimal benefits. "Sometimes taking more pure accident insurance benefits," he said.
Thorough first rider products offered, only took the decision to buy it.
Sources: Compass ExtraEditor: Erlangga Djumena
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