Health Insurance. In line with the increasing education levels of Indonesian society, awareness of insurance, especially health insurance is increasing as well. But still there who think that health insurance premiums we pay is regarded as money lost. Therefore required careful consideration and thought in order to get his right health insurance. Use the information and references from various sources such as print media, the Internet, friends and relatives before dropping the option of health insurance products.
Health insurance is important for both single and married. Since health is a property of all ages, age and marital status do not know. By Kimberly Lankford author of “The Insurance Maze: How Can You Save Money on Insurance and Stil Get the Coverage You Need”, health insurance is a type of insurance that must-have for not only protecting the health but also the entire financial planning.
These are the things that must be considered before buying a health insurance:
The maximum guarantee. The greater the number given by the company, the better the health insurance provider.
The larger the cuts imposed, it is getting better. Shocking is not it? But it is to pay all your bills.
Choose pure health insurance for maximum coverage.
Search incumbents health insurance agent that can be relied upon.
Checks at the hospital or see your family doctor, which insurance so partner / their recommendations. Because the hospital will definitely choose the insurance claim process for fast payment process.
No health insurance reimbursement system that uses and some are sufficient to show a membership card health insurance. The first system usually applies to all hospitals. The second model applies to any partners. Ask your health insurers, hospitals whichever be their partner.
If already have health insurance, check again whatever has or has not been covered. If not suit your needs, add the type of health insurance that fills the difference between your needs. The case should not proceed, if all requirements are met health insurance. Better allocate your funds for other investments.
For this type of treatment, select whether you require hospitalization plus outpatient or one course.
Untu hospitalization, specify the desired room class; Class 2, VIP or VVIP.
Check the medical history of your family, if there is a dangerous hereditary disease? If yes, then you can add health insurance for critical illness. The thing to remember, critical illness health insurance, funds will be out by the time the disease is very severe; such as cancer stage 3 or 4.
No health insurance, which provides that the cost per item. Examples of drugs Rp 1.000.000, – There is also a limit of time ie per year. For example in a year total health insurance claims not melebihin figure of Rp 150,000,000, –
Good administration. Make it a habit to keep all medical bills in a special file. If there was an error in the calculation of the claim, you also keep supporting documents for verification.