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Awareness that cancer can strike anyone, of course, in addition to maintaining diet and lifestyle, we also need to have a strong financial capacity for life activities to continue.
Agency Development Manager Henry Kurniawan KS, RFP®, LCPC said, to have a strong financial plan begins with having a sound financial planning, which is not only limited to meeting personal needs, multiplying wealth, or accelerating the acceleration of wealth growth but financial planning that can reduce and minimize economic risks, such as being exposed to critical illness.
One of the simplest references in financial planning, Henry said, is the principle of allocation of 10% for good, 20% for the future, 30% for installments and 40% to meet daily needs. Allocation of 20% of funds for preparation for the future, namely for emergency funds, life and health insurance, children’s education funds, pension funds, funds for DP Houses (for those who do not yet have), developing wealth, and funds for various other financial purposes.
Emergency funds and health insurance for all family members and life insurance for family breadwinners should be the first priority, then the other funds will be the next because it will answer a number of questions that often arise in the community, such as how to pay for treatment if family members are affected by critical illness or cancer, what is the impact if the breadwinner is no longer productive due to critical illness or what if the breadwinner dies.
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This protection will pay a number of benefits if the insured policy holder gets a diagnosis or dies from cancer.
Especially for cancer, SQIMC products with X Booster cover experimental cancer treatment, cancer treatments (radiotherapy and chemotherapy) according to the bill and have the benefit of monitoring critical illness if advised by a doctor with the benefits according to the bill as long as the policy is still valid.
In addition, Sequis also has a Sequis Q Early Payout Critical Illness Plus Rider (EPCIP) product that provides comprehensive protection for up to 120 critical illness conditions, one of which is cancer disease from an early, moderate, and advanced stage whose insurance benefits can be used for treatment if diagnosed with a critical illness so that your family’s financial condition is maintained (Income Replacement).
Considering that critical illnesses including cancer are increasingly dominating the diseases that lurk us and we do not know whether our family members are candidates for critically ill illnesses, so on this International Cancer Day let us prepare by equipping ourselves and our families with health protection. Make Sequis Q Infinite MedCare with X Booster and Sequis Q Early Payout Critical Illness Plus Rider (EPCIP) your family umbrella.
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Having health insurance is very important, but still must be examined regarding hospital cost limits. The point is that if we currently have to get medical treatment and spend some funds covered by insurance, does our policy still have sufficient limits to cover hospital costs in the future.
It is also necessary to consider the matter of increase or inflation because inflation will also affect the increase in hospital room costs, medical expenses, and other medical costs.
If you are looking for health insurance, choose health insurance that has a large annual benefit limit, and even looks too large for now, because the cost of hospitals in the future will be more fantastic than now.
Another thing to consider if you will take health insurance products is the cost of the inpatient room.
“Suppose that the current VIP room price is 1 million, with inflation, it could be that the price of non-VIP rooms in the future will be the same as today’s VIP room prices. That is, look for health products that are no longer limited by the price of the room. This is so that if one day the room price increases due to inflation, customers who have VIP class facilities with 1 bed room can still use their insurance facilities to the maximum.
Responding to the problem of limits and inpatient room costs, Sequis has a Sequis Q Infinite MedCare Rider insurance product that provides protection of up to Rp90 billion per year (without an overall annual limit) and responds to the public’s need for medical care costs for critical illnesses including cancer. In early 2020, this product has an X Booster facility or known as Sequis Q Infinite MedCare with X Booster, which is health insurance that is more focused on the benefits of critical illness.