In Indonesia, insurance called as "asuransi". It is about risk management of uncertain loss. So, it will compensate of your financial problem from a loss. For example, when you got an accident (sorry, we hope that's not happened to us), the insurance company will pay the cost of your loss such as the hospital cost or cost for repairing your car.
The insurance company is the company who sells an insurance policy. In that policy, also called as contract, is about your agreement to buy the policy to insure the insured entity. Then, you should pay the premium to get compensate when you get loss.
Do we need to be insured? of course, we do need. Because we do not know what will be happened for the next second. For example, after playing futsal we can be hit by a Xenia with a crazy woman drove it. So, get your insurance to against the uncertain loss of your financial problem.
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