As an employee, you seyogianya prepared with health insurance. Why? First, the cost of treatment is increasingly growing and disease can be approachedat any time.
Second, health insurance will provide a guarantee of financial security when you are sick or have an accident.
Thus, the cost of hospital treatment will be borne by the insurance company in accordance the contents of agreements which are listed in the policy.
Well, the number of health insurance products in circulation right now, which one should you choose?
If you're still confused, here are 10 tips that will help you choose a good health insurance.
1. Understand the type of health insuranceproducts
Broadly speaking there are two types of products offered health insurance companies, namely hospitalbenefit and hospital cash plan.
Insurance product type of hospital benefit providesreimbursement costs in detail over a wide range ofcosts that we spend time on medical treatment in hospital.
The system used is the claim of cashless or non-reimbursemen; usually payment of the treatment in hospital is done with a swipe of the card of health insurance.
Meanwhile, hospital cash plan is a type of insurance product that gives the turn at a certain number of(nominal) in accordance with the agreement at the beginning of the contract.
For example, Rp 500,000 per day when clients in outpatient hospital, no matter how the actual cost incurred by the customer.
The system is its claim to reimbursement, i.e. the customer pays the cost of medical treatment in advance that will be reimbursed by the insurance company after the completion of filing reimbursement.
2. customize to your needs
A wide range of health insurance products often make you confused so could you just chose the wronghealth insurance and less to suit your needs.
To prevent this, understand your needs and your medical history. After that, select the appropriate health insurance and the financial burden later you and your family.
Eko Endarto, a financial planner from Finansia Consulting advice, should you collect in advance roughlywhat kind of service you want and that fits your budget that you have.
For instance, you are collecting data about the cost of medical treatment in hospitals and their facilities(e.g. VIP class with the cost of doctor visits Rp 250,000 and other facilities).
After collecting all the new data the next time you are looking for health insurance what fits your needs.
3. know the benefits you'll get
Before choosing health insurance, know the benefits that you will get.
For example, the benefit is the assurance of the availability of the funds needed to finance the health needs of you and your family as customers. Thus, youneed not be troubled again a matter of health costs.
Quite a claim as well as showing the authentic evidence such as receipts of payment then the insurance company will pay the costs of the treatment at the hospital.
Another benefit is that you will arrange financial well because you have to pay a premium each month.
In other words, you have to set aside a salary as an employee for the payment of the premium as a reserve fund for your health.
4. know the hospitals are working together and type of treatment
In choosing health insurance, you should know thehospitals that can receive claims from insurance companies.
Should you choose an insurance company can receive claims from all hospitals or from the hospital can be reached easily or distance from your residence.
Make sure you know where the hospital is working with the insurance company you choose and the type of treatment.
In General, there are two types of treatments offered outpatient kesehatanyaitu insurance company (out-patient) and hospitalization (in-patient).
There is also the insurance companies bear the costs of delivery and dental care.
5. Select the appropriate premiums with your financial condition
Cheap premiums and dependents complete is the ideal health insurance clients.
However, things you need to know is the more complete coverage provided an insurance company, the higher the premium you have to pay.
If you want to memperiapkan Your Health Fund, please select the insurance that won't strangle your financial.
Do not let you ignore health today because of basic commodities would be sure not due to pay high premiums.
Therefore, the pililah health insurance premiums in accordance with your finances. For example, you pay your health insurance premiums by 10% of your salary.
6. View the credibility of the insurance company
Insurance is a long-term product. Due to its long term, you should choose a credible insurance company.
How easy it is to look at their experience in dealing with health insurance and services the process his claim.
Don't be tempted to fast and cheap premiums offerbelieving with the benefits and types of care.
Every insurance company has the kind of care anddifferent premiums for customers with different coverage details. All the information listed in your policy, so please read carefully.
7. Carefully ease the claims
Many clients feel cheated because they must pay medical expenses at the beginning. In this case, they are actually taking the insurance reimbursement system with the product.
Well, lest you become a customer who feels wronged. Know carefully ease health insurance claims system would you prefer.
There are basically two types of systems i.e. cashless claims and reimbursements. In the system of cashless or non-reimbursement of payment usually treatment in hospitals is carried out by health insurance card swipe.
While in the reimbursement system, health insurance clients are required to pay in advance all of the medical costs incurred.
Then be charged to health insurance company by attaching the receipts of payment of the hospital.
8. Compare insurance products from other companies
Growing number of insurance companies that offera variety of products and the benefits of health care, it should make you have more options.
Don't just glued to one insurance company only. You should seek information about other insurance companies and compare their insurance products.
Things you should consider in comparing asurasi products include:
monthly premiums
types of health care
the system claims
provider or hospital work
benefits-other benefits offered by the health insurance company-perusahana
9. avoid taking insurance through tele-marketing
An insurance agent who does recruitment against the customer is generally done by face to face directly.
However, there is also a asurasi agent to contact prospective customers through telephone or tele-marketing. Because of the brevity of the time, insurance products can not be described in detail.
We encourage you to reflect on, menganalisisi. and looking for more information before deciding, would take the offer.
If you have already become a customer and wanted to decide the contract, typically the premiums collected are non-refundable.
Remember, if you do not select the perusal of this day, you'll lose the next day. So, ask for a few days to think, before you break the chain.
10. Select pure health insurance
If you need a full health insurance benefits but havea limited budget, you should have health insurancepurely in its own right.
Pure health insurance premiums are relatively lower than the investment plus insurance. This is because pure health insurance funds will not be used for the purpose of investment.
Cover
Choose good health insurance need special strategy and shouldn't be done in a hurry.
Try these ten tips above so you get health insurance that is suitable to your needs and your financial condition.
If necessary, seek advice from your financial planner so that your selection is getting better again.
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