5 Tips To Choose Health Insurance
Health is not everything, but without health, we can not do everything. That's why many people buy health insurance. Uninsured people do not get good medical care and proper treatment, so as a result, people who do not buy health insurance have health worse and higher fiscal burden for them and their families.
Indonesian public interest in health insurance tends to be better than in the past, because awareness of the importance of health is good. This can be seen from the increasing number of types of health insurance available, their questions about what kind of insurance suits them, and so on.
Here are tips that can be done in finding the type of health insurance that is suitable for you.
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| Choose Your Health Insurance |
1. Apply for Health Insurance When You Are Healthy
Regret is always late. Most of us just bought insurance when the disease came to dispel, just realized how expensive the cost of treatment at the hospital. You certainly not often hear the story of those who just realized how important insurance after her mother entered the hospital, for example.
And not infrequently also sounded how the insurance companies that do not grant the request, because in health insurance, known a provision called 'pre-existing condition'. The purpose of this provision is, if you are already in a state of illness or already have a particular disease, most likely the insurer will not provide dependents for these diseases.
Therefore, when you are in good health, it is better to apply yourself to insurance. If the customer received is sick, the insurance company will lose because the cost of the hospital will be higher than the policy premise. After all, insurance companies are profit institutions, not social institutions.
So, do not postpone health insurance, apply right now. The faster, the better, the less likely you are to have the disease, and the greater the likelihood that your insurance application is approved.
2. Pay attention to Inpatient Terms
The second mistake that many people think about insurance: if I am being hospitalized, I can file a claim to the insurance, at any time. Wrong. There are several conditions that the insurer has about hospitalization rules.
First, hospitalization should be done at the hospital. Put pressure on the words of the hospital. That is, if the hospitalization is run in the clinic or puskesmas, the insurer will not replace it.
Second, for how long hospitalization becomes a requirement. Some set hospitalization after 1 day can already be claimed, there are at least 2 days of hospitalization. Some of them can already be claimed with just a few hours being treated in the Emergency Unit (ER).
3. One Police for One Family
For those who are married, the question that often comes out is: is it better to buy directly one policy for one family or policy per family member? What is the difference? Of course the price is different. The price of a direct policy for some family members is cheaper than one policy per family member. This is because the main insurance offered is life insurance. If you buy only one policy direct applicable to all members, while not necessarily all these members will buy life insurance. By purchasing a separate policy, it means that all family members must purchase life insurance.
4. Starting From Young Ages
As has been said above, the increasing age, the higher your risk of disease or the risk of death. This is already a law of nature. Although not necessarily those at a young age affected by the disease, and vice versa, not necessarily also those aged affected by the disease, but it is a provision that those who in old age must pay a premium more expensive. The younger you are, the cheaper the premium to pay.
Read Also :
5. Accepted at Which Hospital?
Different types of insurance, different hospitals that can accept it. The more hospitals that can receive your insurance, the more profitable you will be. Make sure which hospitals can accept the insurance.
***
Research for Health Insurance
Health insurance products are products that must be thoroughly researched before buying them. Hopefully with the 5 tips to choose health insurance, the mistake of buying insurance that is often experienced by people you can avoid. So, let's insure!
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Health is not everything, but without health, we can not do everything. That's why many people buy health insurance. Uninsured people do not get good medical care and proper treatment, so as a result, people who do not buy health insurance have health worse and higher fiscal burden for them and their families.
Indonesian public interest in health insurance tends to be better than in the past, because awareness of the importance of health is good. This can be seen from the increasing number of types of health insurance available, their questions about what kind of insurance suits them, and so on.
Here are tips that can be done in finding the type of health insurance that is suitable for you.
|
| Choose Your Health Insurance |
1. Apply for Health Insurance When You Are Healthy
Regret is always late. Most of us just bought insurance when the disease came to dispel, just realized how expensive the cost of treatment at the hospital. You certainly not often hear the story of those who just realized how important insurance after her mother entered the hospital, for example.
And not infrequently also sounded how the insurance companies that do not grant the request, because in health insurance, known a provision called 'pre-existing condition'. The purpose of this provision is, if you are already in a state of illness or already have a particular disease, most likely the insurer will not provide dependents for these diseases.
Therefore, when you are in good health, it is better to apply yourself to insurance. If the customer received is sick, the insurance company will lose because the cost of the hospital will be higher than the policy premise. After all, insurance companies are profit institutions, not social institutions.
So, do not postpone health insurance, apply right now. The faster, the better, the less likely you are to have the disease, and the greater the likelihood that your insurance application is approved.
2. Pay attention to Inpatient Terms
The second mistake that many people think about insurance: if I am being hospitalized, I can file a claim to the insurance, at any time. Wrong. There are several conditions that the insurer has about hospitalization rules.
First, hospitalization should be done at the hospital. Put pressure on the words of the hospital. That is, if the hospitalization is run in the clinic or puskesmas, the insurer will not replace it.
Second, for how long hospitalization becomes a requirement. Some set hospitalization after 1 day can already be claimed, there are at least 2 days of hospitalization. Some of them can already be claimed with just a few hours being treated in the Emergency Unit (ER).
3. One Police for One Family
For those who are married, the question that often comes out is: is it better to buy directly one policy for one family or policy per family member? What is the difference? Of course the price is different. The price of a direct policy for some family members is cheaper than one policy per family member. This is because the main insurance offered is life insurance. If you buy only one policy direct applicable to all members, while not necessarily all these members will buy life insurance. By purchasing a separate policy, it means that all family members must purchase life insurance.
4. Starting From Young Ages
As has been said above, the increasing age, the higher your risk of disease or the risk of death. This is already a law of nature. Although not necessarily those at a young age affected by the disease, and vice versa, not necessarily also those aged affected by the disease, but it is a provision that those who in old age must pay a premium more expensive. The younger you are, the cheaper the premium to pay.
Read Also :
5. Accepted at Which Hospital?
Different types of insurance, different hospitals that can accept it. The more hospitals that can receive your insurance, the more profitable you will be. Make sure which hospitals can accept the insurance.
***
Research for Health Insurance
Health insurance products are products that must be thoroughly researched before buying them. Hopefully with the 5 tips to choose health insurance, the mistake of buying insurance that is often experienced by people you can avoid. So, let's insure!
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