Business to Insurances

Widagdo (35) was surprised to learn that his life insurance premiums must pay double the original estimate. Because excess weight, he weighed an extra premium.

He was about to buy a traditional life insurance term life manifold. Contract for 20 years. Illustrates insurance agent, to get a sum of Rp 1.5 billion, do you think she had to pay a premium of USD 6 million annually.

This illustration was given before Widagdo undergo medical tests. In some insurance companies there is usually a limit to the number of insurance money that can be taken without medical tests. If the amount of the sum assured sum over the limit without medical tests, a series of medical tests should be undertaken prospective customers. Medical screening costs charged to the insurance company.

After getting the results of medical tests, new insurers determine exactly how much the cost premium to be paid. Similarly Widagdo. With a body that weighs 107 pounds, was found in fair condition after undergoing medical tests found that being overweight. In addition to obesity, other health factors such as hypertension, high cholesterol or other health history can be a cause dibebankannya extra premium.

Magnitude vary because it depends on the percentage of premiums that must be paid. If the customer be charged extra premiums, the insurance agent will tell. Customer can refuse to pay the extra premium protection by canceling.

Getting healthy, getting lighter the cost of the premiums we pay.


Source: Kompas.com