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Health Insurance for Parents Age 70 years

Growing age is unavoidable and will happen to everyone. As time goes by and age, one’s health condition will tend to decrease. Various physical limitations begin to be shown by people who have old age. Any possibility associated with health risks can occur in the elderly, who was once fitter, increasingly aged the more susceptible to disease.

Old age can start from retirement, starting from 55 years and over. Unfortunately not many parents are aware if he faces the risk of various diseases. As age gets older the healthier lifestyle should be stricter and health insurance protection should also be owned. If not, in the end, his son will take pains to seek medical expenses for his parents if ill.

The economic conditions of the mediocre community make health insurance products less popular for the elderly, especially outside the big city. It has become an old culture that exists in various corners of the earth. Although some parties have started to realize the importance of protecting themselves, but in fact the amount of usage of health insurance is still very minimal.

Insurance Products for Seniors

Age twilight turns out to have a special attraction for insurance companies. Some insurance companies make special products for the elderly. Through this product is expected that the parents are more awake and guaranteed health so no need to worry when having to pay for the existing treatment at the hospital with exorbitant prices when ill.

Insurance companies that provide opportunities for seniors to provide these two different types of insurance:

Stand-alone health insurance or pure health insurance such as insurance products from Allianz, AXA Insurance (general), Cigna and Sinar Mas,
Unit-linked life insurance with rider benefits in the form of health protection such as Manulife (MVP – Manulife Value Protector)
If you feel more need insurance that provides additional insurance for light in paying hospitalization, then can choose unit link insurance and then ask for additional insurance to the insurance. The advantages of health protection owned by unit link is quite secure with various facilities in it. In addition, health protection in hospitals with unit link also has a longer age limit than the unit of pure health or without unit link.

Some of the provisions that apply to the insurance products are as follows:

Hospital health protection in unit link has a longer age requirement than pure health insurance.
Entrance age in pure health insurance maximum is 65 years, while on unit link insurance can be up to 70 years.

Insurance coverage can be extended up to a certain age limit, for pure health insurance up to 70 years, while unit link up to 79 years.

The age limit of insurance entry in pure health insurance is 65 years, while the age limit if there is a link-unit is 70 years. In addition, as an insurance customer can also extend to the age limit already provided by the insurance company. If in pure health insurance has a limit up to 70 years whereas with unit link has a limit of up to 80 years.

Based on this, it would be more beneficial if for the parents have insurance with the second type of additional insurance with unit link. But everything goes back to every need of the elderly. If the elderly do not feel the need to hospitalize in the coming days then seniors can choose the type of pure health insurance.

But if the elderly do feel that they need intensive treatment at the hospital and want to keep watch for the future, it would be better if the elderly choose additional health insurance with this link unit.

Unit Link Insurance with Additional Benefits (Rider)

According to data obtained from Manulife Value Protector, there is Advance Hospital Benefit Plus. This insurance provides additional assistance in hospitalized hospital payments made by its customers. But again, if the customer does not buy the unit-linkmakamah this can not be given. In addition, protection will be provided only for one person and family with family members of father, mother and two children.

Health Insurance by Type of Facility and Claim Condition (Pre-Existing Condition and Elimination Period)

Health insurance has 2 different facilities, namely:

The first type is the customer simply shows the insurance card and ID card, this can be done for hospitals that have connections with the insurer. This first type is called cashless.
The second type is a double claim, all it takes to do is show a legitimate payment receipt.

Based on all the data already obtained, then there are rules that need to be understood first by the policyholder. The rules are:

If the policyholder experiences a pre-existing disease type within 24 months then the insurer will not replace it. But if it is more than 24 months then it can be returned by the insurance. To prove if the natural customer is true or not, then the insurer will perform various checks associated with the report provided. This is called Pre Existing Condition.

Claims that can be disbursed by the insurer is a claim from customers who have become policyholders for more than 2 months (60 days). In case of illness other than originating from an accident, the claim can not be accepted by the insurer. It is known as the Elimination Period

In addition to health insurance, in fact people who are elderly are equally important to include life insurance program. Here is an illustration of the benefits that can be obtained.

Illustration of the Importance of Life Insurance for Parents
The benefit of life insurance for parents is that if the parents are gone, the insurance can be disbursed and given to the person who is inherited by the parents.

So the amount of money put into insurance is not wasted, but can be utilized by registered holders of inheritance. Usually parents will choose the child to be the target of the recipient of the inheritance.

Illustration of life insurance benefits for parents as follows:

For example, parents have insurance that will be paid Rp2 million per month, so if in 10 years will get the accumulation of premiums that could be a savings of Rp240 million.

As a parent, having such protection as life insurance is helpful for medical expenses. If as parents have prepared everything well, it will usually be passed on to children and children will follow in the footsteps of their parents in the planning of old age later.

Actually with this insurance system is more pressing to save hard. Usually people are a little difficult to save when it has seen the need to accumulate.

But by having insurance, then someone will insert insurance into the monthly expenses list. This will keep the savings going. Although in the insurance will not get a certain interest as in the bank in general.

If a parent dies before the insurance payment plan is fulfilled ie for 10 years for example and the paid premium has not reached Rp240 million, then the insurer will pay to the holder’s approved inheritance.

Insurance parties are disadvantaged if this happens, but this is closed from the number of customers who they have, of course, do not experience the same conditions. So in general the insurance is not going to lose because of the velocity of money.

Prepare from Now
While still young, it is not wrong if you start preparing for old age later. As a good child, you can also begin to prepare your parent’s condition properly as one form of loving parents.

Purchasing insurance for the elderly can make you more prepared in the face of risk if parents experience illness and have to pay in large amounts. There are many types of insurance options that you can take in accordance with the illustration of the above products

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