Original Article Written by Juboy
Mi bredda, yuh eva tink bout weh woulda happen if yuh car crash, yuh shop bun dung, or yuh sick an cyaan work fi months? Life full a unexpected blow, an most Jamaicans nuh prepare fi dat storm. Yet, di same way yuh put burglar bar pon yuh window fi guard yuh house, a so insurance act like yuh shield fi life.
Problem is, whole heap a we fraid a di word insurance cause it sound complicated, expensive, an full a trick. But Juboy deh yah fi break it dung yard style, so every man an woman from Coronation Market to Mobay know seh dem can use it fi protect demself.
Why People Struggle wid Insurance (The “Why”)
Plenty Jamaicans avoid insurance fi three main reason:
-
Trust Issues – People tink insurance company jus’ tek yuh money an hide behind fine print.
-
Poverty Reality – 60% a di working class live paycheck to paycheck, so dem feel dem cyaan afford extra.
-
Confusion – Big word like “premium,” “deductible,” “liability” lef people lost.
But truth is, di real problem underneath a lack a proper education. Insurance nuh haffi be mystery.
Misconceptions (What Nuh Work)
-
“Insurance a waste a money.” Wrong. If yuh cyaan afford fi lose it, yuh cyaan afford fi lef it uninsured.
-
“Only rich man need insurance.” Lie. Poor people need it more, cause one accident can wipe out dem future.
-
“Mi have savings, mi nuh need insurance.” Hear dis: savings mash up quick pon one hospital bill. Insurance is weh refill yuh cup.
How fi Look Pon Insurance (The ‘How’)
Think bout insurance as a shield. Shield nuh stop arrow from fly, but it block di one weh coulda kill yuh.
Step 1: Start Small
Tek out a basic health or life insurance plan weh match yuh budget. Even $2,000 a month can cover emergency.
Step 2: Cover Yuh Core
Di four main insurance type weh every Jamaican shoulda consider:
-
Health Insurance – cause hospital bill run like thief inna night.
-
Life Insurance – fi yuh family survive if yuh gone.
-
Car Insurance – required by law, but also save yuh from court headache.
-
Property Insurance – hurricane season remind wi seh Jamaica cyaan tek chance.
Step 3: Review Regularly
As yuh income grow, upgrade yuh shield. Add coverage weh suit yuh lifestyle.
Expert Insight
Insurance industry inna Jamaica regulated by Financial Services Commission (FSC). Dat mean company cyaan jus’ tek yuh money an run like obeah man. Plus, more plan deh pon di market now fi fit small budget, like micro-insurance plan targeted at hustlers an self-employed people.
Miss Mavis From St. Mary
Miss Mavis run likkle shop. Hurricane mash it dung 2012. Everybody laugh when she did pay fi property insurance, seh she a waste time. Guess wah? Insurance pay out an she rebuild shop faster than plenty other business weh still cyaan recover.
Moral of di story: better fi have it an nuh need it, than fi need it an nuh have it.
Mistakes Fi Avoid
-
Sign up widout reading di policy. Always ask question til yuh understand.
-
Buy more coverage than yuh can afford. Dat mash up budget.
-
Stop paying premium halfway. Insurance work only if yuh keep it active.
FAQs
-
“What if mi cyaan afford health insurance?” – Look pon workplace group plan, dem cheaper.
-
“Mi young, why mi need life insurance?” – Cause rate cheaper when yuh young, an death nuh carry age.
-
“Mi hustler, mi nuh inna 9-5.” – Try micro-insurance program weh target self-employed.
Action Plan Steps
-
Check yuh budget an decide weh type coverage yuh really need.
-
Compare at least 3 insurance company offer before sign.
-
Start wid di smallest plan, then grow it over time.
Juboy Last Word
Insurance nuh haffi be some big foreign ting fi confuse poor people. It a just a shield fi life, a way fi mek sure one tragedy nuh mash up yuh whole generation.
Mi granny always seh, “Better yuh walk wid umbrella when sky look cloudy, cause sunshine cyan last forever.” Insurance a yuh umbrella fi when storm come.
Drop yuh thoughts inna di comment section — yuh eva get help from insurance or yuh still skeptical? Share dis wid yuh family an fren dem, cause one likkle knowledge today might save dem whole future tomorrow.
✍️ Original Article Written by Juboy
Post a Comment