Five (5) reasons people refuse insurance

1. Insurance Not Considered Primary Needs

When called primary needs, usually people will answer clothing, food, and shelter. After the three main priorities of a person's needs are met, then secondary and tertiary needs will be met.

Well, most people do not consider insurance as a secondary or tertiary need, let alone a primary. The most easy proof is, you certainly often find people changing vehicles or gadgets according to current trends.

But if the person is asked whether they already have insurance, chances are the answer is 'no' or 'not yet'. Furthermore, if asked again, interested in having insurance, the opportunity for the answer is between 'yes' or 'no'.

2. Insurance is Borne by the Company

At present, there are indeed many companies that cover health insurance (such as the Health BPJS) for their employees, and this is a benefit in itself. The registration is also managed by the company when someone starts working there.

With insurance from the company, making people no longer need to bother taking care of it alone. However, there are several companies that encourage their employees to open insurance in person according to the insurance company that they are interested in.

Even so, not necessarily the person automatically thinks of having insurance that he bought himself. Because generally, home loans, car loans, or motorcycle loans are the target for new workers. Then, what about having insurance? Most likely the answer is 'later' or even 'no'.

3. Prefer Investment Than Insurance

Most people consider that having an investment (visible) is more profitable than insurance. They think, by investing, the amount of money or assets they invest will multiply over a certain period of time.

Meanwhile, with insurance, if there is no insurance claim submission, then they feel loss because they have paid insurance premiums.

4. No Need for Insurance Because You're Still Young

When I was young, healthy, and didn't yet have dependents, the average person hadn't even thought about having an insurance policy. There are still many needs / desires while other young that need to be met rather than having to pay insurance premiums. However, talking about insurance certainly talks about a risk and financial protection in the future. So, if at any time you run the risk, then you no longer need to trouble your family for the loss cover.

5. 'Throwing Money' to Pay Premiums

Some people might still feel paying insurance premiums like 'throwing money', because they think the benefits are not immediately felt. When not sick, then they feel they only deposit money for free to insurance companies.

But the fact is, when someone without insurance or social security, illness can easily drain someone's money in a short time. For example, experiencing the risk of an illness and need special hospital care. Especially if you are married and have to bear other living costs.

Those are some reasons why until now people are still reluctant to buy insurance. Basically, insurance is protection against risks that may occur in the future. The term, has insurance is 'available umbrella before it rains'.