As an employee, you should prepare yourself with health insurance. Why? First, the cost of treatment is constantly increasing and the disease can be approached at any time.
Second, health insurance will provide financial security when you get sick or have an accident. Thus, the cost of treatment in hospital will be borne by the insurance company under the terms of the agreements in the policy.
Well, from the number of health insurance products in circulation today, which one should you choose? If you are still confused, here are 10 tips that will help you choose a good health insurance.
1. Understand the type of health insurance products
Broadly speaking there are two types of products offered by health insurance companies, the hospital and hospital cash plan benefits. Types of insurance products benefit provides reimbursement of hospital costs in detail on a wide range of costs that we spend in the hospital during treatment.
The system used is a cashless claims or non-reimbursemen; usually payment of treatment in hospitals is done by swiping your health insurance card.
Meanwhile, hospital cash plan is a type of insurance product that provides crisp on the amount (nominal) in accordance with certain agreements in the initial contract. For example, Rp 500,000 per day when customers treated in the hospital, no matter what the actual costs incurred by the customer.
The system is a reimbursement claim, which the customer pays in advance the cost of treatment will be reimbursed by the insurance company after filling out the form submission to reimbursement.
2. Adjust to your needs
Various health insurance products often make you confused so could you pick the wrong health insurance and less according to your needs. To prevent this, understand your needs and your medical history. After that, select the appropriate health insurance and will ease the financial burden you and your family.
Eko Endarto, financial planners from Finansia Consulting provides advice, we recommend that you gather beforehand about the service as what is desirable and in accordance with the budget you have.
For example, you collect data on the cost of treatment in hospitals and related facilities (eg VIP at a cost of Rp 250,000 doctor visits and other facilities). After collecting all the new data later you looking for health insurance what fits your needs.
3. Know the benefits that you will get
Before choosing health insurance, know the benefits you will get. For example, the benefit is the guarantee the availability of the funds needed to finance the health needs of you and your family as customers. Thus, you do not have to worry anymore about health care costs.
Quite a claim and show evidence such as receipts authentic then the insurance company will pay the cost of treatment in the hospital.
Another benefit is that you will manage finances well because you have to pay a premium every month. In other words, you should set aside a salary as an employee for the payment of premium as a reserve fund for your health.
4. Know hospitals that work together and kind treatment
In choosing health insurance, you must know the hospital to receive a claim from the insurance company. We recommend that you choose an insurance company to receive claims from hospitals or from hospitals that can be reached easily or close to where you live.