How to choose private health insurance - Most people still have private health insurance. Noteworthy is the dues or private insurance premiums are generally higher when compared health insurance from the Government. Make sure private health insurance also selected in accordance with the income and lifestyle, so that you do not the difficulties in paying dues.
The advantages of private insurance that generally have a variety of benefits. Of course, health facilities and services obtained is still based on the agreed premium and paid.
How To Select Appropriate Insurance Needs
In order for the desired health services can suit your needs, there are things to look for in selecting health insurance. The first thing is to ensure that the benefits derived from the selected health insurance in accordance with the premium or contribution which is paid each month. Thorough back any health care services may be obtained from the insurance, then ask in detail to any health insurance so that the information is clear.
How to choose private health insurance
After this is done, it is important to know the doctor or hospital in collaboration with selected health insurance. You are entitled to request the list of doctors and hospitals so that you are easy to get healthcare services when they need it.
How to choose the right health insurance for you and your family
As you may know, there are dozens of health insurance products offered in Indonesia. Starting from the local protection even to treatment abroad. The next question is how to choose a health insurance product that corresponds to your needs and your family?
1 Identify your needs
When you buy insurance products you first have to know what you need. Example: If you are a woman, who want to get married next year, it doesn't hurt to buy health insurance that gives you the benefits of pregnancy. There is one thing you need to know, every product has a health insurance waiting period. So you can't today, pay insurance premium listing first, next to direct claims. Besides knowing the needs in terms of protection, also recognize the magnitude of each protection. For example, You never had a track record of medical hospitalization in hospital X.
How to choose private health insurance
2 Select the type of protection: Domestic vs foreign and additional benefits
The average health insurance products are always offered with additional benefits. There are several products that provide additional, i.e. a guarantee of health care up to Rp 5 billion ( Indonesia money currency ) if treated in a foreign country, simply by adding to the cost of the premium. Consider again whether you currently really need.
3 don't forget Budget or budget
Insurance including things important in financial planning. Judging from the scale of priorities, the second most important positions of insurance in financial planning pyramid. Should everyone have health insurance, but choose a health insurance plan that suits your needs and suit your financial capabilities.
4 do not be lazy to make comparisons
Nowadays there are many health insurance products offered by private companies. As consumers, we need to do a comparison of products carefully, so that the obtained health insurance product that fits our needs and in accordance with the budget we have.
How to choose private health insurance
5 Select a credible Company
You certainly already know an awful lot of companies offering health insurance. Select a company that has a credible good. You can read testimonials from colleagues, siblings or parents, read the responses on the forums and so on.
6 Select the easy Company his claim
The insurance product that's needed at the moment that doesn't wear, e.g. illness, accident and other. So do not let you should bother when taking care of a claim. Select the insurance company that provides the ease of process claims. Now there are several insurance companies that have the features of e-claim aka claims via the internet or mobile applications.
7 Consider the hospital Partners
Each health insurance company certainly has the hospital partners. Select health insurance has many hospitals partners (both domestic and foreign). In addition to the many partners of hospitals, more ideal if the health insurance companies are also partners with the hospital your subscription.
8 Consider Family health insurance
Health insurance is usually offered with the option of a single protection (for 1 person), couples or families. There are usually discounts or special prices for couples and children. Select the option that corresponds to your current condition. Young children also need health insurance, particularly infants and children under five years of age.
How to choose private health insurance
9 Select a payment system that provides ease of
Indonesia health insurance product offered with two different types of systems i.e. cashless system and reimbursement systems. What is the difference between both?
Cashless system: you do not need to spend some cash to pay for the cost of care (inpatient, outpatient). You simply show the membership card or the card of health insurance and medical treatment bills will be paid automatically. Read also the working rules of the system of cashless health insurance policy on, including if medical expenses are greater than the costs borne by insurers.
Reimbursement system: you will need to pay a deposit or even pay off the entire cost of the treatment. Then the entire treatment Bill is billed to health insurance company to you.
10 Use the services of third parties
If you feel bothered with choosing a health insurance plan, you can ask the help of neutral third party services. You can consult with insurance brokers (especially if you buy group health insurance) or consultation with independent financial planners.
In choosing health insurance, make sure that the insurer is able to meet your needs, for any health insurance either from the Government or private, has drawbacks and advantages.
0 comments:
Post a Comment