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In addition to saving money in the bank for the purpose of funding the education of children, the parents can also consider buying insurance education . When compared with the savings banks , insurance education clearly more advantageous because the interest alone is greater than regular savings , which is an average of about 15 % per year .
Are you interested in buying this insurance product to guarantee the cost of education for your baby ? If so , it is better to follow the way of choosing insurance education below :
Know your insurance company
In Indonesia , there are some insurance companies that provide insurance products education . Call it Prudential , Allianz , Bumi Putera Insurance , Manulife , and so forth . Before you decide to choose one of these companies , you are strongly advised to know the insurance company first so you know its quality . To obtain information about the company , visit the official website and ask questions directly to customer service available .
Customize premium to the cost of educating a child in the future
Although the insurance company gives you complete freedom to you in determining the amount of the premium to be paid , you are strongly advised not to choose an insurance premium in small amounts . Why ? Because the rate of inflation in Indonesia in recent years by 12 % to 15 % with the rising cost of education by 20 % to 25 % annually . Therefore , if you are a low premium , it is possible that you can not meet the cost of educating a child in the future . Ideally insurance premiums per month ranged from Rp 500,000 to Rp . 800,000 .
Choose a flexible policy
Some insurance companies do not allow the insured to take out an insurance policy if it has not reached a certain period . This is fine , but it is better to choose an insurance company that allows you to choose the policy that is flexible . This means that the insurance policy you can take whenever appropriate educational needs of children .
Check the additional facilities
Usually the additional facility of education is the guarantee of health insurance in the form of compensation costs of medical care in the hospital . You may consider this facility if you also need to assure the child's health costs . But , make sure that this additional facility is not cut too much the number of insurance policies in order to fund a child's education remains insufficient education .
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