Illustration of health insurance
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.
Make sure you know which hospitals work closely with the insurance company you choose and the type of treatment. In general, there are two types of treatment offered by insurance companies kesehatanyaitu ambulatory (out-patient) and hospitalization (in-patient). There are also insurance companies that bear the cost of labor and dental care.
5. Select the appropriate premium to the condition of your finances
Full-cost premiums and dependents is a dream of every health insurance customers. However, things you need to know is more complete insurance provided an insurance company, the higher the premium that you pay. If you want to preparing your fund your health, choose insurance that will not strangle you financially.
Do not let you ignore the health today because of basic needs are not fulfilled due to pay a high premium. Therefore, pililah health insurance premiums according to your finances. For example, you pay the health insurance premiums of 10% of your salary.
6. Check the credibility of the insurance company
Insurance is a long-term product. Because of its long-term, you should select an insurance company that is credible. How easy it is to look at their experience in dealing with health insurance services and process claims.
Do not be tempted to believe fast and inexpensive premiums offered with benefits as well as the type of treatment is complete. Each insurance company has the kind of care and different premiums for customers with details of coverage are different too. All of the information listed in your policy, so read it carefully.
7. Carefully ease claims
Many customers who feel cheated because they have to pay the cost of treatment at the earliest. In this case, they actually take out insurance with a reimbursement system. Now, lest you be customers who feel aggrieved. Go carefully ease health insurance claims system would you choose.
Basically there are two types of systems are cashless and reimbursement claims. In the system of cashless or reimbursement payments are non-hospital treatment is done by swiping your health insurance card.
While in the reimbursement system, health insurance customers are required to pay in advance all medical expenses incurred, which are then billed to health insurance companies by attaching the receipt of payment from the hospital.
8. Compare the insurance products of other companies
Increasing number of insurance companies offering various products and health care benefits, should make you have more choices. Do not just glued to one insurance company alone. You should seek information about other insurance companies and compare their insurance products.
Things you should look into insurance are comparing product is a monthly premium, the type of health care, the system claims, provider or hospital that work together, and other benefits offered by perusahana-health insurance companies.
9. Avoid taking out insurance through tele-marketing
Insurance agent recruitment on clients generally done face to face directly. However, there are also agents who contacted the insurance are prospective customers via telephone or tele-marketing. Because of the shortness of time, insurance products can not be explained in detail.
You should contemplate, menganalisisi. and seek more information before deciding to take the offer. If you have already become a customer and want to terminate the contract, typically premiums collected are not refundable.
Remember, if you are not careful to choose today, you will lose tomorrow. So, have a few days to think about before you decide.
10. Choose pure health insurance
If you need a comprehensive health insurance benefits but have a limited budget, you should have health insurance purely on its own. Pure health insurance premiums relatively low compared to the investment plus insurance. This is because pure health insurance fund will not be used for investment purposes.
Choosing a good health insurance need a special strategy and should not be done in a hurry. Try the ten tips above so that you get a health insurance that fits your needs and your financial condition. If necessary, seek advice from your financial planner so that you are the better choice again.