Why Is Funeral Insurance Important?

Many unexpected events always loom over our lives, such as illness, accidents, and even death. These risks often happen without our knowing, so whether we are ready or not, we need to face them by using Funeral Insurance.

When such misfortune comes suddenly, we will certainly be burdened with the costs, which can weigh heavily on us because of the high price of the services we use. Not a few people have had to sell their assets or other valuable possessions to raise more money to cover the shortfall. Others have had to borrow from other people or from other creditors so they can quickly get the money to pay the costs that remain unpaid.

Funerals are no different. People are also often troubled by the high price of cemetery land in Indonesia, which rises in value higher every year. Compared with previous years, the value of land for graves was not as expensive as it is now, and many people could still obtain it easily.

Funeral Insurance

Because so many people have been burdened by the cost of buying a grave, a number of public service companies have introduced funeral insurance services that have started operating in recent years, such as Kamboja. Their existence has proven successful, as more and more people have come to use insurance over time.

The presence of this public service certainly reduces the burden of funeral package costs, which keep getting more expensive every day. Just consider all the needs for a funeral, from the price of the grave land to the cost of transportation. Even just imagining it, it surely looks very expensive, does it not?

The high cost of simply burying a body can certainly leave a family scrambling to find funds. Even if they can receive money from donors, it is not certain that all the costs will be covered, is it?

Important

Take, for example, someone living in a big city like Jakarta. If you compare prices across locations, they will likely not differ much. What makes the difference is perhaps the grave class, which is generally divided into 5 levels: block AAI, whose price reaches hundreds of thousands. Then there are blocks AAII, AI, and AII, where rental prices are in the tens of thousands. For people from lower or less affluent backgrounds, block AIII can be used, which carries no fee at all.

This division into blocks is actually based only on the strategic location of the grave, whether it is in a place that is easy for people to pass or far from the footpath. Some people may not feel burdened, but what about those from lower or less affluent backgrounds? Can they afford the funeral management costs in Jakarta?

Of course, this would be very difficult for them, especially when economic conditions are not supportive. Cemetery insurance, which many people are now interested in, is available. Less well-off people can also be helped with the costs they must pay. Not to mention, if they wish to have the body moved to their hometown, it would certainly require millions just for the transfer alone.

Range of Funeral Insurance Registration Costs by Kamboja

Registering for funeral insurance is an important step to make sure that all funeral needs can be met properly without burdening the family. Kamboja, as a trusted funeral service provider, offers several types of funeral insurance packages that can be adjusted to your needs and budget.

A. Proteksi AMAN Package

• Coverage up to IDR 25,000,000 with costs starting from IDR 35,000 per month.
• This service includes funeral management by professionals, third-party arrangements for mourners' and family needs, and a cash benefit to the family if money remains after all funeral costs have been handled.
• Key Features: Complete body preparation, body transportation within Jabodetabek, complete funeral arrangements, provision of a headstone, light refreshments for 40 mourners, and family transportation.

B. Proteksi NYAMAN Package

• Coverage up to IDR 50,000,000 with costs starting from IDR 65,000 per month.
• This service is popular because it provides more comprehensive protection, including complete body preparation, VIP body transportation with a voorijder (escort vehicle), funeral home decoration, and mourner refreshments for 3 days for 50 people.
• Key Features: Body preparation, headstone or coffin, funeral home decoration, family transportation, mourner refreshments, and administrative handling such as a death certificate.

C. Proteksi TENTRAM Package

• Coverage up to IDR 100,000,000 with costs starting from IDR 135,000 per month.
• This package offers the most complete protection, with services such as complete body preparation, a premium coffin, VIP transportation, mourner refreshments for 3 days for 50 people, and provision of a headstone and grass.
• Key Features: Premium funeral services, mourner transportation, and administrative handling.

With these package options, registering for funeral insurance at Kamboja can help you plan and prepare for a funeral calmly and without financial worry. Each package is designed to give peace of mind to you and your family when difficult moments arrive.

Examples of Reasons to Use Funeral Insurance

One example is the use of an airplane to transport a body. Local companies note that when the family uses a plane to take the body home, it costs a lot for a single one-way trip. Why can it be so expensive?

Because the airline handles everything needed to move the body to its destination, from the ambulance, to a room for the family to wait before departure, to arranging all the documents the airline requires.

So how much does it actually cost to transport a body to its destination? In fact, the cost of using a plane or just an ambulance does not differ greatly, and both are still in the range of millions. What may weigh more heavily is the coffin.

Most people who often arrange burials know that coffins cost more than other funeral management services in Jakarta. Just imagine, for a single coffin, some can cost tens of millions. Although there are still cheaper ones, 1 or 2 million would still not be enough to buy one.

Because of the high costs that must be paid for a funeral, protection services for burial are very important. If you already have life insurance, it is better to add a funeral service as well.

If you think life insurance can cover the cost of land, a coffin, and other funeral needs, that is a mistake. That guarantee only provides compensation in the form of a sum of money if the policyholder passes away. That service is very suitable if you are the breadwinner. When you pass away, the family left behind receives a sum of money to help with their finances.

If you add a funeral guarantee, your family will be helped because there is not as much expenditure for the cost of burying the body. So it is worth using both types of insurance for better financial planning in the future.

Conclusion

From the explanation above, you will certainly understand how high the cost of funeral arrangements can be. It is indeed unlikely that you can cover it all yourself, especially when your financial situation does not help. So it is worth investing part of your savings in insurance so that it will not weigh on you in the future.

Kamboja will always stand by you in providing professional funeral management services and funeral insurance when that day comes.