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Teknokrat Important things to note about insurance. Teknokrat We need to know what to protect when choosing an insurance. Is the protection against income lost due to being unable to work due to illness, permanent disability or even death? Is it protection against medical expenses? Teknokrat The benefits. To choose the right insurance, we must know the benefits that will be obtained, for example AsJi benefits in the form of sufficient coverage for the family to support themselves when the main breadwinner dies or benefits in the form of hospitalization during certain classes during illness. Teknokrat Premium. Before deciding to buy insurance, measure your financial ability to pay the premium every year. Because insurance premiums are annual expenses, we can use annual income in the form of bonuses or THRs to pay for them. The amount of the budget for insurance premiums is 10% of annualized income.

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