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Tips for Choosing Education Insurance for Your Little One's Future

Every year the cost of education continues to increase by 10 to 15 percent per year

It is very important for parents to prepare their child's education funds because the costs are not small and needed for a fairly long time span. In fact, according to the Financial Services Authority (OJK), "every year the cost of education continues to increase by 10 to 15 percent per year".

However, it doesn’t mean that due to these needs, you as a parent choose an education insurance with high premiums. Instead, you should choose the best educational insurance product that suits your child's needs.

The following are tips for choosing the right education insurance according to OJK:

1.   Calculating the Cost Required

It would be wise to calculate how much education costs are needed for your child before looking for the appropriate education insurance. Starting from registration fees, monthly tuition fees, book fees, uniform fees, extracurricular fees to transportation fees.

Especially for the education cost with a period of more than 10 years, such as college education, the most important tips to take into account is inflation. This is because calculating inflation can help the current planned investment value to offset the increase in the cost of education.

2.   Evaluate Financial Capability 

If you have decided the education cost needed, don’t forget to also measure your financial ability. You have to be able to manage how much money you can comfortably set aside and the financial risks that you will face when buying education insurance products because education insurance is a type of long-term insurance, so don't let the premium payments interfere with your family's financial condition.

3.  Choose Insurance Company Wisely

The next tips that is no less important for you to do is to choose an insurance company that has a good reputation, trusted, certified by the Indonesian Life Insurance Association (AAJI) and registered as well as supervised by the OJK such as BNI Life.

As we all know, insurance companies have their own advantages and disadvantages. Therefore, it is very important for you to do your research and make comparisons so you don't regret it later.

4.  Reviewing Selected Insurance Policy

If you have decided the choice of insurance product you want to buy, don't forget to re-check the terms and conditions contained in the policy. Reconfirm the name of the insured, the amount of premium, sum assured, duration of insurance, insurance costs, investment instruments and other facilities are in accordance with the agreement.

According to OJK Number 69/POJK.05/2016, insurance participants have the right to study the policy within 14 days of receiving it. So, besides choosing the right educational insurance product, you can also understand all the rights and obligations of consumers and insurance companies.

Those are 4 (four) tips for choosing educational insurance that you can do!

BNI Life, Providing Solution Giving Protection.

Source : Otoritas Jasa Keuangan

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