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| Five Tips for Choosing Health Insurance |
As we know that health is not everything, but without health, we cannot do everything. So from that there are many people buying health insurance. People who are not adequately insured do not get medical treatment that is fairly good and appropriate, so as a result, people who do not buy health insurance have worse health and a relatively higher fiscal burden for themselves and their families.
And Indonesian people's interest in health insurance tends to be better than in the past, due to the awareness of the importance of health has been better. This can be seen from the increasing number of types of health insurance available, their questions about what type of insurance suits them, and so on.
The following tips can be done in finding the type of health insurance that is right for you.
Tips for Choosing Health Insurance
1. Apply for Health Insurance when you are healthy
It is undeniable that a Regret always comes late. There are most of us just buying insurance when the disease comes to dispel, just realized how expensive the cost of treatment at the hospital. You certainly not uncommon to hear the story of those who just realized how important insurance is after his mother was hospitalized, for example.And it is also not uncommon to hear how the insurance company did not grant the request, because in health insurance, a condition called 'pre-existing condition' is known. The purpose of this provision is, if you are already in a condition of illness or already have certain diseases, chances are that the insurance company will not provide dependents for these diseases.
Therefore, when you are in good health, it is better to directly submit yourself to insurance. If the customer who is accepted is sick, the insurance company will incur losses due to hospital costs will be higher than the policy premise. After all, insurance companies are profit institutions, not social institutions.
So, don't procrastinate on health insurance, apply now. The sooner, the better, because the less likely you are to have an illness, and that means the more likely your insurance application is approved.
2. Take note of the Terms of Stay
The second mistake that many people think about insurance is: if I'm hospitalized, I can file a claim with insurance at any time. Incorrect, there are several conditions that the insurance company has regarding the rules of hospitalization.First, hospitalization must be done in a hospital. Put emphasis on the hospital's words. That is, if hospitalization is run in a clinic or puskesma, the insurance will not replace it.
Second, for how long is hospitalization a requirement. There are several sets of hospitalization after 1 day can already be claimed, there are at least 2 days of hospitalization. Some can already be claimed with just a few hours treated in the ER.
3. One Police For One Family
For those who are already married, the question that often comes out is: it's better to buy one policy directly for one family or a policy per family member. What is the difference, of course the price is different. The price of one direct policy for several 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 direct policy that applies to all members, while not all of these members will buy life insurance. By purchasing a separate policy, it means that all family members must purchase life insurance.
4. Starting from a Young Age
As mentioned above, the more you age, the higher your risk of disease or death. This is already a law of nature. Although it is not certain that those who are young are affected by the disease, and vice versa, it is not certain that the elderly are affected by the disease, but it is a stipulation that those who are at an old age have to pay higher premiums. The younger you are, the cheaper the premiums to pay.5. Accepted at the Mana Hospital
Different types of insurance, different hospitals can accept it. The more hospitals that can receive your insurance, the more it will benefit you. Make sure which hospital can receive the insurance.Thorough In Finding Health Insurance
A health insurance product is a product that must be examined carefully before buying it. Hopefully with the five tips above, the mistake of buying insurance that is often experienced by most people you can avoid. Therefore, let's be insured!also read here
