Ukhti Hijab Choosing the Insurance
So career women in today’s era have become interesting specific challenges. Not only because Ukhti will be required to give complete loyalty to the family, but a hijaber must share his attention for profession, self-improvement, and family.
It is not surprising that modern sisters have the same responsibilities and need the right financial and career plans. Among them are related to the importance of insurance protection. Even so, it’s not easy to choose the right type of insurance for today’s hijaber women who can provide overall protection and as needed.
Ootd — many beautiful hijabers have a specific value on their everyday look. In any situation, the hijab style must be updated so that it can inspire other styles of hijabers in general.
Now, this opportunity I have the opportunity to tell a story from a hijaber who likes to share his ootd style, you know!
Modern ootd styles with various types or mix models that you should try and of course can inspire your daily ootd fashion!
Ootd and the story of many beautiful sisters in hijab
So a jilbaber doesn’t mean you can’t look fashionable with various forms of modern clothing, right?
In a variety of routines, you often face the choice of various clothing styles so that you don’t understand the trick of combining them to make them suitable and not wrong style.
No need to be confused and complicated anymore. You can start by researching the best OOTD hijab ideas for all your busy lives. Especially for those of you who are still starting to wear the hijab, you have to try this OOTD once, hehe.
Now, in looking for a shirt that matches, you also don’t need to buy a brand-new outfit. Take advantage of the old shirt that is in your wardrobe, how come you can still look more stylish.
Below is a simple OOTD hijab idea that you can follow, as long as it is synchronized with your personality.
Beautiful Hijaber Ootd
1. Hangout wearing a long t-shirt and a Tosca placket skirt
Dinda Hauw’s long black t-shirt and placket skirt are the right and attractive combination.
Not only that, Dinda uses a plain black pashmina hijab, making it look simpler
A placket skirt like Dinda’s really fits anywhere. Not just a modern form, lightweight placket style when used.
2. The combination of a gradation placket skirt and a pink turtleneck
Sari Endah Pratiwi’s hijab model utilizes a combination of a button skirt with a cream purple colour combination and a pink turtleneck for an attractive combination. As well as pink pashmina and sneakers, make the appearance even more feminine.
This unique style is suitable for young hijabers, because it gives a younger impression and remains modern.
3. OOTD with black placket and striped tunic
Then there is Zaskia Sungkar who wears a placket skirt. She combines it with a black tunic ribbon, a headscarf, and a maroon sling bag.
Not only that, flat shoes are in harmony with the veil, making the hijab Kian look more feminine even with a dark complexion. Perfect for outfit of the day (OOTD) hijabers.
Beautiful sisters must be smart in choosing an insurance
It is important for contemporary women to know and recognize a number of important factors in the utilization of insurance rights
Understand the insurance policy, read the services provided and the products offered. Is this insurance company we are going to use this bad or this good?
There are several details that should be considered before using their services as more and more modern women need more than one insurance entitlement
For example pregnancy insurance, birth insurance, life insurance, duh rempong.
Eitss .. not a name, but in order to control the quality of life in the future, because modern women no longer depend only on men, contemporary women must be able to protect their own right to life.
Then a little extra for many modern women that how important insurance is for you.
There are two types of insurance that are commonly used and needed for a number of women, namely cervical cancer protection and breast cancer protection insurance.
Health insurance for protection from cervical cancer
Cervical cancer is a scourge that is feared by a number of women, especially women today who are vulnerable because they live in an urban lifestyle. Plus the data proves that there are 40 Indonesian women who are prone to cervical cancer every day. Therefore, many insurance companies currently provide protection against cervical cancer risk.
However, it should be noted that if you want to take advantage of this insurance model, check it from the start. Remember the insurance policy starts from the initial stage and lasts until the advanced and final stages.
Health insurance for protection from breast cancer
This insurance model must be asked first from the insurance agent. Remember the virtues of having this type of insurance. In addition, there are data if breast cancer is a female killer no. 1 in Indonesia. Ask about this insurance program from an insurance agent that you trust.
Pregnancy Insurance and Childbirth Insurance
It is natural for a woman to get pregnant and then become a mother. Childbirth can have a sizeable financial effect and needs protection if it comes to having a caesarean section which requires clinical action. Therefore, pregnancy insurance and childbirth insurance should be owned by a contemporary woman to guarantee the health of her child and herself.
Pure Life Insurance
This fourth type of insurance is an important insurance model for modern women. Because no one can predict the arrival of a disaster. Plus if a woman works in an environment prone to work accidents.
9 Guidelines for Choosing Quality Sharia Insurance Products
Insurance is indeed important to guarantee and protect people’s lives at risks that can appear in the future. Until many residents are ready to join and have sharia-based insurance because it is in accordance with the sharia economy provided by Islam.
With the increasing number of insurance companies offering Sharia Insurance products, therefore more customer options. In fact, many conservative banks also create special sections that offer sharia-based products.
Choosing quality Sharia Insurance is not easy, because all insurance companies are competing to offer the advantages of their insurance products to attract as many customers as possible.
In order not to make the wrong choice of quality Sharia Insurance, pay attention to some guidelines for choosing quality Sharia insurance:
1. Recognize Needs, Should Not Determine the Product Wrong
Insurance participants must identify the type of insurance that suits their needs. Insurance has several product choices, such as Life Insurance, Health Insurance, Accident Insurance, Teaching Insurance and insurance which are all investments. From the various types of insurance, choose the insurance that best suits your needs. When in doubt, ask the opinion of a trusted relative, close friend, or insurance agent.
2. Looking for Referrals and Determining the Sharia Insurance Company Products You Want to Take
Today many insurance companies exist, with their respective disadvantages and advantages. When choosing an insurance company, understand the long-standing and quality of service from the insurance company. Explore how long the company has been engaged in the Sharia Insurance sector. Explore how the company services in paying claims, is there a problem or maybe not.
3. Ensure There is a Sharia Supervisory Board (DPS)
All Sharia Insurance Companies certainly have a Sharia Supervisory Board (DPS). This Sharia Supervisory Board has members who are well aware of Islamic economics. This Sharia Supervisory Board has the aim of controlling, monitoring and guaranteeing that the Sharia Insurance products being sold are truly halal products and are operated according to Islamic law.
4. Examine the Details of the Sharia Insurance Pledge Made
Sharia Insurance Pledge is a form of agreement in the Sharia Insurance agreement. Explore and know the pledge that the company uses. Check all things related to the Sharia Insurance product. The contents of the Sharia Insurance Pledge have a special role regarding the insurance policy premium status.
In the Sharia Insurance pledge, there are no forfeited funds for life insurance. If the customer for some reason cannot extend the premium, therefore the premium funds that are paid from the beginning with insurance will still exist, although not 100%. This is because the premiums paid are deducted by administrative costs.
5. Explore and Know Examples Given
When before you make a Sharia Insurance pledge, the insurance agent will first provide an example that explains many things regarding the Sharia Insurance product. This example includes predicting the amount of money a potential customer will get when the approval period is over.
Look carefully at each detailed example explained by the insurance agent, so that you can find out every detail of the example described. If there is something that is not understood, you should not hesitate to ask. You should not be easily tempted by unusually high offers, such as offers that are far above the usual advantages of Islamic banks. Pay attention to the assumptions that exist in each sample and respond wisely.
6. As between Insurance Needs and Benefits
All Sharia Insurance products have benefits and benefits, so choose products that are more useful and provide benefits according to your needs. You should first explore the benefits and benefits of each insurance product that will be purchased.
By recognizing the type of insurance and its benefits, it will be easier for you to determine the type of insurance that is like and which companies can become business partners. For example, you buy a Death Insurance product, so you will not get compensation if you are only sick or have some injuries. Or for example, you buy an Accident Insurance product, so you don’t get compensation if you suffer from illness due to illness.
7. Compare and Look for the Most Efficient Premium Costs of Sharia Insurance Products
Insurance premiums called customer obligations and responsibilities have different amounts between one company and another. The following premium or insurance policy costs are a concern to determine the greatest sharia insurance company that suits your family’s financial situation.
Choose a premium fee that is reasonable and quite competitive, but not cheap. You have to be alert with insurance premiums that are too cheap, really, far below the cost of the usual Sharia insurance premiums. Because insurance companies want to take the maximum amount of funds, but the benefits of insurance that are given to customers are narrowed. For example, car insurance with only a rate of 1.00% is really unusual, because the funds obtained are certainly not enough to cover the company’s operational costs, let alone pay customer claims.
8. Select a Sharia Insurance Agent
An insurance agent is a representative of an Insurance Company who works on a chain between insurance companies and customers. Therefore, choose an insurance agent that you trust is able to provide a detailed, correct, and complete description of the decided product. A legal and professional insurance agent, of course, a member of AAJI (Indonesian Life Insurance Federation) and has an AAJI membership number. Because they have passed the test to become a professional insurance agent and have been legally registered.
So that if the customer later faces a problem with the policy, because it can ask the arrival of an agent to help solve the problem, even the insurance company will also be responsible for the existing problems. Make sure the service you get is the greatest service because you buy the insurance product for a long period.
9. Try to Find Out the Mechanism of Sharia Insurance Fund Control
The mechanism for controlling Sharia insurance funds is based on the Al-Quran and Hadith using the Al-Mudharabah mechanism and concept given by Islam. The mechanism for controlling funds for Islamic insurance is halal and acceptable to all groups, both Muslim and non-Muslim. So by recognizing the Sharia Insurance fund control mechanism will give peace to customers.
Be observant in choosing an insurance
From the details of several guidelines for choosing quality sharia insurance above, it is desirable to be able to help customers understand several insurance company products. Especially Sharia Insurance, which is like the guidance of Islam, so it gives more peace to Muslims as customers. Once the details of the guide for choosing quality sharia insurance, hopefully, it will provide many benefits.