If we view the present scenario, there are still many of us does not own an insurance policy yet. Regardless of what the package core whether it is life insurance, medical insurance, education insurance or investment insurance, the interest to have an insurance is still ‘blurry’ in the society’s eyes.
This situation obviously shows the practice of having insurance still new due to lack of education and awareness of its importance of being protected by an insurance package. Let alone the living environment in this era which offers challenges whether from the economy, security and health aspect.
For some peoples, insurance is perceived as burden. This is because they are forced to allocate a portion of their salary to pay premium, whereas its return and benefit is not known when it can be taste. When some incident or disaster happens, it is then when the insurance policy interest and importance can be benefited.
The Money Saving Factor
‘Money saving’ or ‘money keeping’ factor always become a reason to refuse having an insurance policy. For some people, the premium payment which is in average as low as $80, $150 or $300 per month is perceived as burden. This form a mentality in society which often avoids each time they are visited by an insurance agent.
Men which become the hope of their family and as a chief are the key individuals who need to be protected by insurance. It is a gamble of his life and put the bad luck on the man’s shoulder solely, but it is in fact a long term protection and effect which will be enjoyed by them in their hard time.
In overall the society is still not yet exposed to the benefits of having an insurance policy. Men which become the head of the family do not see their interest need to be protected. This indirectly put the fate and future of their family and beloved ones in risks.
Imagine should a man, who is unprotected by insurance and involved in an accident, does just the hospital treatment is enough for him whereas he could affords to receive further treatment in a private hospital and received financial assistance incentive during the treatment period.
