What is the best life insurance?

What is the best Life Insurance in Indonesia?

• Please write down your opinion and/or story about experience before and/or after buying any life insurance that available in Indonesia. But i myself have a bit situation here; Let say I'm single, early 20 something. I have a mother and 2 siblings whom are my dependants. I've been running Prudential Life Insurance since couple months ago for its affordability and the Health Card that provides cashless facility so i don't need to spend any money in case i need to go to the hospital. Also, most of the top hospital in Indonesian big cities accept this Prudential Health Card. And about the affordability, starts from Rp. 300,000 a month i could set a life insurance for around Rp. 288 million if i were dead or permanently disabled. Also, the insurance can be an investment (unit-link) which i could withdraw anytime i need. In the next couple years, it said that the investment would grow up. it has dual function as an insurance and also as some kind of a mutual funding investment. Anyway, I'm planning to set my whole family members up also for the Insurance, but i need to make sure if Prudential were still the fittest option for my situation here. Because compared to Allianz and Manulife, Prudential has no Family Plan. But otherwise, Al & Ma have no affordable Cashless Facility i mentioned above. *Oh and for any Insurance Agent, don't try to sell your thing or i will downvote and report your answer. We need a better objective information and understanding about any insurance products that are available around the country. If you want to, you can reach me via PM to discuss better insurance plan than this one. Thanks!

• Answer:

  Quite interesting question, But in someway it's like saying: Which food do you like best? or Which sport are the most healthy? The answer will depends on the people you ask. I'm sure that you should know, that insurance is a service business, therefore I believe that the best insurance is the one that gives the best service. But what is good and the best? Of course Prudential card can be discussed as one of a good service, no need to reimburse. On my experience one of minor advantages of Prudential is that sometimes others insurance gives more death insurances. (If you allocate all your money to death insurance, you maybe will get lower compensation) Of course it's a very broad category, because everyone may buy an insurance for different reason. For example: A salary man, maybe buy insurance for investment, because after all his health already covered by the company. A business man, maybe put more concern in health coverage, because after all, he do the trade (circulate the money) himself. I hope this will help you little bit. Of course you can PM me