What is private health care - Choosing the best private health insurance, it is not easy. Before the vote, understand first sundries private health insurance in order to choose the best product.
Health insurance has become one of the sought to manage financial risk. Each person must have the possibility or risk of suffering from a disease. Ill not only affect daily living activities. However, from the financial side, there was definitely influence also often does little.
The hospital costs of the longer and more expensive. First, as the Earth's age is increasingly aging society and lifestyle changes, the emergence of degenerative disease due to an unhealthy lifestyle, as well as a growing number of critical illness. The cost of treatment of degenerative diseases and diseases-this critical illness is not cheap. Could reach hundreds of millions of dollars, like cancer or heart disease.
Indeed, the current citizens of Indonesia already have a social security health i.e. BPJS Health which is mandatory. All citizens are obligated to become participants of the BPJS health. BPJS Health protection standard being adopted by communities that have become participants. However, due to its nature of service standards, not all match the BPJS Health Service.
What is private health care
Lucky, there are still plenty of options outside the BPJS service health. In Indonesia, many private health insurance providers also called commercial insurance. What and how private health insurance? What is the difference between insurance or social security Health BPJS? Also, as a way of choosing the right private health insurance? Check out the exposure below:
Understanding private health insurance
Private health insurance or private healthcare, as the name suggests, is the insurance provided by the private non-governmental institutions. Maybe you've heard the familiar names like Allianz, Axa, Prudential, Manulife, Cigna, and others. They are the private insurance companies that provide many private health insurance products.
Unlike the national health coverage provided by insurance issued by Government health that must be followed by all citizens, private health insurance is a commercial product that is not mandatory are owned by all the people. If you do not yet have so far health protection, you can buy protection on private health insurance companies.
What is private health care
How have health insurance when the Government? Indeed Government health insurance is mandatory for all citizens in Indonesia because of the social security plan or social security. If you currently have registered as participants but requires health insurance services with more private and comfortable, you can weigh to have private health insurance.
Differences of private health insurance with health insurance from the Government
There are some mendasar differences between others:
Membership
The entire citizens ' mandatory Government Health Insurance participants. This is because Government Health Insurance Plan social security where there are cross-subsidies between the participants with the financial ability of either with a weak economy that community groups do not have the financial strength to become Government Insurance participants Employment (tuition assistance recipients). Participants pay membership dues Government Health Insurance every month and the nature of the membership will be valid as long as the membership dues paid.
What is private health care
As for private health insurance is health products for commercial sale are free like products on the market and can be purchased by those who are in need. Health insurance is offered free on the market with a variety of features. To become a participant, you have to pay some of the premia can be paid in either monthly or annual range or all at once in the future.
O, Yes, Government Health Insurance membership also does not limit the age of the membership. Newborn babies can be registered into a Government Health Insurance participants. Dues equality also do not distinguish gender. In contrast to private health insurance that typically distinguishes between premium big women with male clients depending on the risk profile.
The burden of dues/premiums
Because of its nature as social security, the Government pegged the price of Health Insurance dues are quite affordable. Until now, participants restricted maximum dues Idr 80,000 per participant per month for a class I lowest dues Are. i.e. for class III just Rp 25,000 per month per participant.
What is private health care
Compare with large private health insurance premiums that could be hundreds of thousands of dollars per month. The complete protection features, usually the more expensive also premiums are to be paid by the customer private health insurance.
Protection feature
The range of protection or protectionism, Government Health Insurance has the edge because he's covered almost all kinds of diseases. Interestingly, the Government's Health also does not require the existence of a medical check-up first for prospective participants. This contrasts with the private health insurance that requires a medical examination for prospective clients to know medical history. Thus, private health insurance companies can gauge the risk of the potential borrowers.
The extent of protection of health, the Government can be a very economical choice because his protection hardly limited, including for critical diseases, whereas in terms of the cost of tuition is also very cheap.
In contrast, private insurance usually limits the protection on some of the risks away. Private health insurance is rare who bear the costs of outpatient. Only the inpatient covered. So are some kind of specific diseases, such as critical illness, usually a health insurance product offered in a different/separate.
What is private health care
The quality of service
There is a price, there is a way. If you include among the concerned with health insurance claims management convenience, using the services may be lacking proper Health BPJS for you. Because, as the social security service in which the participants are almost all the people of Indonesia, you must be prepared to face a long queue.
In addition, the procedure also could not claim directly to hospital providers. You should go to first health facility level 1, usually in the form of a new health clinic, then it could be referred to the hospital.
This is far different from the private health insurance services. Queued services likely will not be as much of the BPJS health. And to be sure, bureaucratic procedure. You can go straight to the hospital and access service providers to wear that you have insurance.
Private health insurance is superior in terms of comfort, flexibility, a speed of service. That compares with a big load you should pay a premium each month.
What is private health care
Well, in choosing which health protection, make sure the suit you budget, Yes. The nature of the actual health of the BPJS membership compulsory. As a citizen, it's good you register to be a participant in health protection Health BPJS standard. View a feature complete, it would be a pity if you don't have the BPJS health.
You can complement the more by purchasing private insurance as a form of protection and layered when you tend to want more convenient health services.
How to select the best private health insurance.
Well, if you feel in need of health protection of private insurance, it would be better if you pay attention to some tips on choosing the best products:
Cashless payment systems
Private health insurance products there are several types of choice claim. There is a that implements the reimbursement scheme in which the client pays first insurance maintenance costs, the new receiver is claimed to insurance companies. There is also a system of cashless or wear of the card.
What is private health care
Please choose a private insurance system with cashless so that you don't have to spend money first for hospital costs. It is enough to show the insurance card, you can simply be handled by hospital providers.
Extensive hospital networks
The hospital network provider or provider is essential to make it easier for you later when suddenly need treatment in hospital. Make sure you choose a private insurance product with an extensive provider network, particularly the most easily accessible both from the place of residence or of the place your usual activity.
In addition, the claims system cashless also can only be done in the hospital cooperated with the insurance company. Indeed, choosing insurance products with an extensive network at once full of cheap and premium, rada impossible. Most allowed, select the insurance product in collaboration with the Hospital where you and your family a regular medical treatment or where a doctor subscriptions you practice. When the hospital's location close to the dwelling house you, it will be better again.
What is private health care
Ceiling and premium
The higher ceiling, generally the more expensive health insurance premiums also. Adjust only financial capability. Financial planners advise, the burden of payment of insurance premium is the ideal is 10%-15% of the total revenue of the routine.
Select the pure insurance
Currently, many circulating in the market for health insurance or life insurance merged with investment products including mutual funds. People usually refer to it as the product unit linked. If you want to more economical, avoid choosing hybrid insurance products like this. Select the health insurance that is pure and has no frills investment features.
Unit-linked insurance products section will usually be insufficient provide protection when compared to load you should pay a premium. Understandably, unit-linked usually divides the cost of the premiums for the insurance part and partly for investment. The costs surrounding unit linked is also not small. So, when you do need private health insurance, make sure you choose pure health insurance products.
Protection feature
This is also very important to note. Generally, private health insurance providing protection hospitalization. When there is outpatient protection, usually the price premiums being very expensive. Well, lest ye choice economically but also quality, focus on protection that is really you need.
What is private health care
Health care costs are the biggest suck up the contents of the bag is usually the cost of hospitalization. Better you focus looking for health insurance with hospitalization alone and not have to think of an outpatient.
Don't buy in once heard
Current insurance product offerings have been very much used the channel. There is a via telemarketing, there are also through agents in the field. If you buy through telemarketing, make sure you have read the content of the insurance policy before agreeing to purchase. Would be better yet if you like to learn a dummy policy and discuss with the insurance agent first to know more clearly about the product.
In short, don't be in a hurry in buying insurance products. Learn about and compare at least three similar products before deciding to buy. Thus, you can get the best health insurance products.
That's the versatile google about private health insurance you need to learn more. Needs overprotection or insurance is important as part of good financial management. Be sure to learn and counting closely before making any financial decisions. Happy selecting!
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