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Frequently Asked Questions
Q: What is Education insurance?
— Education insurance is an insurance product used to ensure your children’s school or education tuition. The insurance policy is issued gradually when your beloved children go to Elementary School, Junior High School, Senior High School, and University.
Q: What is the difference between education insurance and conventional savings?
— The difference between the two is on the interest offered by the education insurance annually, which is higher than the conventional savings. For the education insurance itself, the average numbers of annual interest is 15%, whilst conventional savings only 4%.
Q: How do I count the total policy in education insurance?
— Generally, the calculation procedure for total policy in education insurance is by multiplying the amount of premium with the amount of months in a year and then multiplied it with the insurance interest offered by the insurance company.
Q: When should I purchase education insurance?
— You can purchase education insurance whenever you want as long as your beloved children still go to school. However, it is highly recommended to purchase education insurance before your children enter elementary school.
Q: What insurance companies that offer education insurance?
— They are PT. Asuransi Manulife Indonesia, Allianz Indonesia, Asuransi Jiwa Bersama (AJB) Bumiputera 1912, Panin Life, PT. BNI Life Insurance, dan PT. Asuransi Jiwasraya, etc.
The Education Insurance gives a life protection benefit by ensuring the risk of your death, such as providing a number of money if you are as the parent has passed away. This face amount is usually given similar with your child’s school tuition as has been agreed upon the policy.
This type of insurance is not only providing you a life protection, but Education Insurance also provide an infestation benefits, for example by managing and infesting some of your insurance premium that has been paid. And for a compensation, the insurance company would give a number of cash fund, which the amount has been agreed upon the policy and the payment period is also scheduled in the policy, in order to be in accordance with the children school season.
Education Insurance is intended to give a protection for the insured with a certain number of money and also compensation for the insured when he/she faces a risky situation that interfere the continuity in paying the education cost or tuition for the insured.
To purchase the insurance, you only have to pick the best insurance plan according to you and answer the necessary questions provided.
Who needs Education insurance and Why?
Everyone who has children needs education insurance for their beloved son and daughter. Because by having education insurance, as parents we have already being able to prepare educational savings for our children. By having education insurance, beside we have set aside some of our income for the children educational savings, at the same time we also get a protection for that fund, and also receive a health insurance in the form of an appropriate treatment from the hospital in case something unwanted happens to our children, for example from illness/accident that requires hospital treatment. Just imagine if we were not ready to face that situation, that would be so sad if that situation could really happen, and we could not do the best for our children.
When does the best time we have to prepare Education Insurance for our beloved children?
The best time to deposit your money is as soon as possible and should be done every month in a regular basis. We as the parents should as soon as possible set aside some of our monthly salary / income on the educational savings for the sake of our children. By starting it as soon as possible, your savings would increase significantly during 10 until 20 years ahead.