Tips to Pick The Best Health Insurance

Tips to Pick The Best Health Insurance  –  If you feel healthy continuously, and not having fallen ill. It is a great one, maybe you currently are proud to be able to live a healthy life.

However, diet and unhealthy lifestyle. Can make us sick, and we must seek treatment and hospitalization might be at home sick. Costs that must be incurred to redeem drug, as well as the cost of inpatient care is very expensive.

to avoid bad things happening, that befell us. We really need health insurance, so that problems can be resolved quickly.

Therefore we have to find the right insurance company, and not random. Because Health insurance is an insurance product that is intended to protect its users from the impact of costs arising from various health risks. If, the holder of the insurance policy has an accident or any disease and must be hospitalized. Thus, all or part of the cost of care and treatment will be borne by the insurance company. The amount of their own expense will be adjusted to the agreement stated in the insurance policy.

The Best Health Insurance Criteria

The best health insurance criteria may vary from one person to another. However, the majority of its ordinary financial planners will recommend the following when choosing a health insurance product:

Provide Non-Cash Payment System

The non-cash payment system will greatly facilitate you in making insurance claims.

Whenever you enter (hospitalized), you do not need to spend any cash at all. Simply by swiping your insurance card only.

This is different from the insurance reimbursement claim system where you have to cover your medical expenses first. Then just submit a reimbursement to the insurance company.

Unfortunately, the insurance claims system with the cashless method can only be used in hospitals that work with insurance companies only. So if your hospital does not work with the company where you buy health insurance. So, inevitably you have to bail the cost first to then finish it with reimbursement system.

Premiums should be adjusted to capacity

If you pay a small premium, your coverage will automatically become small. If at any time you have to be hospitalized for a long time. Inevitable, you must bear the cost that is not covered by the insurance.

In addition, do not forget to participate in adjusting the amount of premium for your financial ability Do not forget your financial status just because you want to get high-level family insurance.

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So this may seem trivial, not easy to determine in practice the monthly premium limit to be paid. For example, when determining a room, you can choose a comfortable room. So choose an expensive insurance product.

But again, the best health insurance is health insurance that meets your “needs and abilities”.

If you pay a small premium, your coverage will automatically become small. If at any time you have to be hospitalized for a long time. Inevitable, you must bear the cost that is not covered by the insurance.

In addition, do not forget to participate in adjusting the amount of premium for your financial ability Do not forget your financial status just because you want to get high-level family insurance.

So this may seem trivial, not easy to determine in practice the monthly premium limit to be paid. For example, when determining a room, you can choose a comfortable room. So choose an expensive insurance product.

But again, the best health insurance is health insurance that meets your “needs and abilities”.

No Limit Per Care

Each health insurance all have a limit or a limited ceiling. However, in practice, there are two types of limits that apply to insurance products. That is total coverage limit and limit per treatment.

Of the two types of limits, the type of total coverage limit is likely to be more profitable for the insured. Why is it more profitable? Because if the insured later experienced a certain disease that requires him to pay large maintenance costs. So the cost of his treatment will be covered by the insurance ceiling.

This is different from the limit system per treatment. This type of limit will limit operating costs by 10 million per year, hospitalization costs of 20 million per year, consultation fees of 10 million per year.

Well, if you later experience a certain disease and must be hospitalized in a hospital with hospitalization costs more than 20 million. You have to cover the rest of the costs yourself.

Therefore, as much as possible choose a health insurance product that does not apply the system per care limit.

Prioritize Inpatient

Normal health costs include two types of costs, namely the cost of inpatient and outpatient costs. Because the cost of hospitalization tends to be greater, then priority is the insurance product that has a large hospitalization.

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If you later have more money, you just buy extra outpatient insurance only. So your insurance coverage will be more complete.

Note the Wearing Period of Disease

Some health insurance products that exist at this time to impose the system of a waiting period of the disease. This system requires the insured to wait for a certain period of time. Before the end, he can file a fee claim for the treatment of the disease.

Some types of diseases that the waiting system is imposed are tuberculosis, kidney stones, high blood pressure, vertigo, diabetes, etc. In some insurance companies, waiting times that apply to some types of diseases can reach 12 months. Meaning, if you experience all the disease before your insurance policy is 12 months old, then the cost of treatment for the disease will not be borne by the insurance company.

Therefore, when buying insurance products, consider the waiting period of the disease imposed by the insurance company. As much as possible choose an insurance product that has a short waiting period.

Pure Health Insurance

If possible as much as possible choose a type of stand-alone health insurance aka pure health insurance. In addition, avoid any type of unit-link life insurance. Why? Because pure health insurance products tend to have cheaper premium costs compared to unit-linked life insurance products.

The reason is clear enough. In unit-link life insurance, the insurance premium you pay will be divided into three, namely for life insurance, for investment and for health insurance. The impact, the portion of the cost of premiums for health insurance becomes smaller. If you want to get a high ceiling, then automatically you have to pay the premium costs are much more expensive.

On the other hand, when you buy this type of unit-linked life insurance. Automatically you will be charged with a variety of discounts that amount is not small. The result, the portion of premium costs devoted to health insurance was the end of its being smaller.

This is a far cry from a pure health insurance system whereby all premiums are fully intended for health insurance. In addition, the discounted fees charged for pure health insurance also tend to be cheaper.

Provides Many Payment Options

The best health insurance should be easy for users to access. This convenience should include everything related to the insurance product, including one of which is the payment option.

As much as possible choose is a health insurance product that offers convenience in the payment process. However, you also need to be vigilant, especially if you want to use the system of payment using auto debit system using the credit card.

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Because in some cases found the incident where monthly premiums are still withdrawn even though the insured party has stopped subscribing. Or it could have already made payment through other payment mechanisms.

Although in practice later this kind of thing is relatively easy to complete, but in the process will take a lot of energy.

Credible Insurance Company

The majority of insurance companies in Indonesia are big enough insurance companies worldwide. Unfortunately, his big name and global operational reach cannot be used as a benchmark of the credibility of the company.

In fact, today there are many hospitals that refuse payment using cashless methods from certain insurance companies. By reason of the difficulty of filing a claim, even though the insurance company is a large insurance company.

Well, then, as much as possible choose is the health insurance products of insurance companies are really credible. Ask and discuss with people who have already used health insurance products. It may be helpful and easier for you to choose a credible insurance company.

Have Clear Rules and Procedures

The best health insurance should have clear rules and procedures. In this case, the insurance company should duly describe in detail. Anything related to the health insurance product they publish.

Do not arrive when you file an insurance claim that the insurer dismisses your claim. For various reasons, the procedures and requirements are not met.

Therefore, as much as possible buy an insurance product that has clear rules and procedures. If it is still unclear, do not hesitate to ask the insurance company team about all the rules and procedures that apply.

Buy With Cold Head

Currently, insurance product offerings have been run using a lot of media. From start to a phone to online insurance broker sites like Futuready.com. All offer insurance products with advantages and disadvantages.

Especially for complex insurance products such as health insurance, as much as possible to buy it with careful consideration. In this case, as much as possible to avoid buying health insurance products spontaneously as via phone.

That way, you will be able to freely determine the insurance products in accordance with your needs and financial capabilities.

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