Mana yang lebih dulu asuransi atau investasi ?
Ibarat ayam dan telur tidak mudah untuk menjawab hal ini, karena bagi saya kedua hal ini adalah bagian primer dari sebuah konsep perencanaan keuangan. Saya akan coba menjawab dengan beberapa kondisi tetapi sebelumnya kita lihat definisinya dulu :
Asuransi jiwa adalah bentuk perlindungan finansial dari penanggung (perusahaan asuransi) atas jiwa seorang tertanggung (nasabah) terhadap risiko kematian. Asuransi jiwa diperuntukkan bagi seseorang yang memiliki nilai ekonomis (tanggungan) atau memiliki beban ekonomis (utang)
Asuransi kesehatan adalah bentuk perlindungan finansial yang diberikan oleh penanggung (perusahaan asuransi) kepada seorang tertanggung (nasabah) terhadap risiko sakit yang memerlukan biaya perawatan secara medis seperti biaya kamar, obat-obatan, operasi, dokter, dll.
Investasi adalah sebuah cara yang dilakukan oleh seseorang untuk melipat gandakan uang yang dimiliki dengan menempatkan dananya pada sebuah instrumen yang memberikan keuntungan yang lebih tinggi dibandingkan dengan nilai inflasi.
Nah sekarang mana yang lebih dulu harus ada apakah asuransi atau investasi mari kita lihat beberapa kondisi berikut ini :
Kondisi 1 – Tidak punya tanggungan
Kalau masih belum punya tanggungan ataupun beban utang maka rekomendasinya gampang yaitu dahulukan investasi dan asuransi cukup kesehatan saja. Pilihan asuransi kesehatan yang paling murah adalah BPJS dengan premi sekitar 40-60 ribu per bulan
Kondisi 2 – Punya tanggungan
Kalau punya tanggungan maka rekomendasinya lebih mengutamakan asuransi dahulu (baik jiwa maupun kesehatan) baru investasi. Mengapa ? Karena kita perlu mengamankan situasi jangka pendek dan jangka penjang. Investasi cenderung untuk tujuan jangka panjang yang sudah lebih pasti sedangkan asuransi untuk jangka pendek dan jangka panjang dengan tingkat ketidak pastian yang tinggi. Jadi dengan punya asuransi maka kondisi jangka pendek aman dan jangka panjang juga aman. Tapi perlu diingat kalau situasinya mepet seperti ini jangan beli unit link dulu ya ? Mengapa ? Karena premi jauh lebih mahal dibandingkan dengan asuransi berjenis tradisional. Dari data saya untuk asuransi jiwa tradisional bagi usia sampai 39 tahun untuk mendapatkan Uang Pertanggungan (UP) Jiwa sebesar 500 juta hanya diperlukan premi sekitar 150an ribu per bulan. Plus BPJS sekitar 40-60 ribu per bulan. Jadi total keluar dana untuk asuransi hanya sekitar 200 ribu per bulan. Kalau anda beli unit link sudah dipastikan wajib membayar premi minimal 350 atau 500 ribu per bulan.
Salam,
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