In reality life's journey is not always as smooth as we expected. Unwanted things can happen, affecting our lives. But you don't need to worry because insurance can cover the costs you have to incur when unwanted things happen.


Why do I need insurance?


Insurance is the key so you can focus on the most important things in your life because insurance will ensure your financial security and your family when something unwanted happens. When large financial burdens such as hospital fees or medical bills soar, insurance helps to cover it, so you can still focus on reaching your dreams.

Here's how:

1. Health insurance will help pay medical bills when you are diagnosed with certain diseases, have an injury or have a disability

2. Protecting your income with insurance can guarantee the income you receive when you are in a condition that you can no longer work.

3. Life insurance guarantees the finances of your loved ones when you can no longer work. Having this type of insurance allows them to continue to enjoy a comfortable life without worry.

4. Education and pension insurance products help you achieve various things that are important to you, such as preparing education funds abroad for your child or enjoying a comfortable life at retirement

5. Dual-purpose insurance helps you more than just increase your savings fund and leave it to your family. These products can also be used to finance your medium to long-term plans, such as increasing property value, taking tertiary education, and even providing funds for your vacation

Now you understand why you need insurance - here are some other important suggestions:


When is the right time to start having insurance?
The sooner the better! The best time to start protecting your health and life is the first time you receive income. Getting protection early will give you the opportunity to pay a low premium. Choose the type of protection and premium that suits your needs and budget, and you will also be able to adjust the insurance coverage according to your changing situation and condition.

What type of insurance should I buy?
Protection of your health and your family is the main, then consider the type of insurance that can protect household finances if unexpected things happen to you. Next, consider insurance that will provide future savings funds for you and your family.

What types of insurance do I need to have?
You can choose health insurance or life insurance according to the needs and funds you have. To determine which is the most suitable, you must be able to manage your finances well and make sure you can set aside a portion of income to use when unwanted things happen or when you are sick. Please consult with our sales force to determine the type of insurance that is right for you. There are several things that must be considered, including your age, budget, and future plans.

What type of insurance coverage should I have first?
As a first step, you must start with personal health insurance that protects your most important needs. This insurance protects you from accident risks, provides coverage for hospital costs, surgery and other medical needs.

What should I do to protect the future of my family?
Protect yourself first, that's the main one. Then protect your family by making sure they have enough funds to finance all needs.

These needs include the cost of educating children, housing installments, anticipatory funds for emergencies, as well as funds for other dependents such as parents in old age.


Will insurance reject me if my family line has a history of diseases such as cancer, diabetes and high blood pressure?
If your family has a history of these diseases, then you will be charged a higher fee than the normal premium of 25% to 50%. That's why it's very important for you to have insurance as early as possible - as long as your health is still excellent. Most likely you will still get insurance coverage even though you have a medical history, and even allow you to not be subject to additional fees.

Don't delay procuring health insurance, because the longer, the more likely it is to incur additional costs or disqualifications. However, paying a higher premium is still much better than not having insurance at all, especially when you get sick.

What if I can't pay the premium because of financial difficulties or health problems?
There are several options to help you get through difficult times. One of them is taking premium or premium loan leave. Other options can also give you the benefit of monthly income when you are no longer able to work.

Some education insurance products have additional benefits, where when a parent falls ill or dies, then the child will be exempt from the obligation to pay the premium and ensure the cost of children's education is paid in full upfront.

At present I bear the needs of my parents. Are there products that can protect them if something happens to me?
Yes, there are many insurance products where you can apply for your parents to be an heir who will receive a single payment if something unwanted happens to you. This protection helps to take care of your parents' financial needs. You can also register them for insurance products that will reimburse costs related to hospitalization, surgery, physiotherapy and even traditional Chinese medicine and treatment. This product product offers monthly benefits or lump sum when experiencing disability.



Why do I have to spend money on insurance rather than high interest deposits or investments on my child's education?
The principle of insurance is to protect and prepare you and your loved ones in the face of various possible scenarios. Indeed safe deposits and offer high interest rates, but child education insurance products have been designed to guarantee the payment of children's education fees so you do not need to worry about rising education costs. And if something happens to you, you don't need to worry because your family's financial security is well managed.

Having savings at a bank is a good start. But to ensure that your money is well managed for you - and can supplement your savings - insure the answer, because insurance offers a higher return on investment and is better in anticipating unwanted events. Your needs depend on the stage of your life, and insurance gives you choices based on needs at different stages. Whether you are young and unmarried, or have had children, or entering retirement age, insurance can provide a variety of benefits and benefits so you can calm down. There are various insurance products that provide convenience, such as guaranteed protection, payment and long-term fund accumulation - all of which provide financial security for you at an affordable cost.

Now you can certainly see what is meant by insurance and how you can benefit. Please contact us and learn the products that are the best for you.