LIFESTYLE - Indonesia only recognizes two kinds of seasons, the dry season at the beginning of the year and the rainy season in mid-year to the end of the year. These two seasons have the same risk respectively.
For example, during the dry season, farmers will face the risk of crop failure due to drought. Whereas, in the rainy season, the rate of accidents and natural disasters will be higher due to the high rainfall.
But, fortunately had no banking facilities and non-banking that protects you from the unexpected things such as illness, accidents, natural disasters and death is insurance protection.
Insurance coverage has a system, in which you (the insured) are required to pay an amount of money each period so that at some point the insurance company (insurer) will protect you from the costs if the events as specified in the insurance agreement is present.
Of course, insurance is very useful in every season, both the dry and rainy, but, there are some insurance a must-have when it will enter the rainy season.
1. Vehicle Insurance
The rainy season will make driving more difficult, at night, the view will be blurred because of the rain that covered headlights, even during the day, the rain is too heavy can make the car in front of us opaque, which is where the car lights to be switched on noon when the heavy rain.
This can increase the likelihood of an accident. This is the case of rain without a disaster, imagine if it rains cause flooding. Obviously this will increase the likelihood of your car flooded.
Therefore, one of the very important insurance when the flood is vehicle insurance. Remember the susceptibility of accidents during the rainy season, vehicle insurance can make you not worried about the cost of car repairs.
You also do not need to fuss and bother if the car broke down in the middle of the road because of flooding, as many insurance companies that provide a free tow if something happens to your car.
You should also be careful in choosing car insurance, choose insurance that also protects the possibility of flooding. So, you need not worry if the car was flooded everywhere.
2. Accident Insurance
This financial product if the insured had an accident that resulted in minor injuries, severe or even death. Accident insurance can also bear the entire cost of treatment to the hospital inpatient costs.
Had accident insurance during the rainy season has the same reason the importance of vehicle insurance.
At the time of the accident, not only your vehicle is likely damaged, but also themselves may be affected by the accident.
To that end, in the rainy season, should you have an accident insurance to protect themselves in case of financial and unwanted things.
3. Health Insurance
Disease will arrive in the rainy season because the weather is cool and humid the optimal conditions that favor bacteria and viruses to grow. Some examples of diseases that may arise is the flu and fever, diarrhea, malaria, dengue fever up.
Of course, the cost of treatment for the disease is not cheap, and if you or family are not covered by insurance, you definitely have to spend a lot of money.
For that, you can anticipate the unexpected expenses to have health insurance.
4. Life Insurance
Life insurance is important for all kinds of seasons, but when it rains, the existence of this insurance can be very helpful. Obviously you hope it will not happen anything themselves, but their lives are not currently on your hands but the Almighty.
You as a human being, you should do the best you can do.
During the rainy season where the mortality rate is higher than the dry season, life insurance is needed.
The family relies on you to become the main reason for the importance of life insurance. Having a life insurance during the rainy season, will help the family when you are gone.
Use Insurance For Self Protection
Think of insurance as a self-protection and not as a guarantee that you are free from any financial burden or responsibility themselves.
Have these insurance during the rainy season would greatly help the financial condition if there is something undesirable.
The most important thing is to be careful in the rain and do not be reckless.
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