Jakarta, CNBC Indonesia – The difficulty of insurance coverage for the late Mirna Salihin within the Cyanide Espresso case has develop into a subject of debate within the media once more after the documentary Ice Chilly: Murders, Espresso and Jessica Wongso appeared on Netflix.
In 2016, it was within the information CNNMirna’s father, Darmawan Salihin, didn’t deny that Mirna did have insurance coverage. Nevertheless, he didn’t specify the kind of insurance coverage Mirna had.
One among Jessica Wongso’s attorneys, Dame Purba, requested Darmawan concerning the insurance coverage.
“How a lot is the insurance coverage?” Dame requested Darmawan..
“10 million,” answered Darmawan.
“10 million what?” mentioned Dame.
“Sure, rupiah. Rp. 10 million. We reside in Indonesia, so the forex is rupiah,” mentioned Darmawan.
Whether or not life, well being or crucial sickness insurance coverage, the protection quantity of IDR 10 million is definitely very small. Though the premium is affordable, there’s a massive risk that the safety for the individual involved is not going to be optimum.
In life insurance coverage, the quantity of compensation cash must be utilized by the household to finance life and repay money owed.
So should you intend to purchase life insurance coverage, what’s the ideally suited compensation it’s best to have? Following are the calculations.
Life insurance coverage sum assured
The sum insured should be ideally suited. Not an excessive amount of and never too little. As a result of when you have an excessive amount of, it will likely be troublesome so that you can save and make investments, but when it’s not sufficient then our safety is not going to be optimum.
The simple method is to make use of calculations primarily based on annual bills.
On this technique, you calculate the quantity of insurance coverage cash by bearing in mind the quantity of curiosity or return if the insurance coverage cash you obtain is saved in an funding product. The formulation is:
Sum Insured = Annual bills/low danger funding return per yr
Here is the simulation:
Your annual bills are IDR 120 million, and if the assumed low danger funding (authorities securities) is 5%, then that is the perfect quantity of life insurance coverage protection for you.
UP= IDR 120 Million/5% = IDR 2.4 billion
When you die and your loved ones claims the insured quantity of IDR 2.4 billion, this cash could be reinvested in different authorities debt securities that haven’t but matured.
If the yield on the chosen authorities debt securities is 6%, then in a yr your loved ones can earn passive revenue of IDR 10.8 million (10% ultimate SBN tax has been deducted).
With this, your loved ones’s monetary burden could be diminished.
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