Tips for Choosing a Good Health Insurance
Tips for Choosing a Good Health Insurance - The adage says that health is wealth expensive. True, and the next day, health will be increasingly important for us. We are getting older age is inversely related to the physical and environmental conditions of diminishing. Fortunately for those who have prepared themselves with good health insurance for individuals and families.
What is a health insurance ( health insurance )? According to Wikipedia, the definition of health insurance is a type of insurance product that specifically guarantees the cost of health insurance or the members of the care if they fall ill or have an accident. Broadly speaking there are two types of treatments offered by insurance companies, namely hospitalization ( in- patient treatment) and outpatient care ( out - patient treatment).
In Indonesia there are many types of health insurance in circulation. Each claimed to be the best health insurance. If we read all the brochures or newsletters from the insurance companies, we will be confused myself. Where health insurance is good and which ones are less or not good.
For that we need to find common ground between the needs of our insurance with the health insurance programs they offer. Therefore, each individual has different insurance needs. Similarly, each insurance company has a product, system and different premium payment.
First of all the reasons you first clear the health insurance program. If briefly summarized, in general, the reason someone 's health insurance program are :
Choosing a good health insurance
Usually the one consideration in choosing health insurance are: how much benefit for inpatient, outpatient, ambulatory surgery , etc. . But in fact there are other things more important and should be a priority in choosing insurance. Here are some tips on choosing health insurance are:
1. Choose the insurance to cover critical illnesses
Belonging to the critical illness eg heart disease, cancer, tumor, stroke etc. It is the disease most feared by everyone. As a result of an unhealthy lifestyle, stress, obesity etc, people with the disease every year in increasing numbers . Sources said that the WHO, 90 % of the world's population who died earlier critical disease.
It is no secret that in Indonesia treatment for a variety of critical illnesses is very expensive. That is why consideration of critical illness cover should be a priority in choosing health insurance .
All you have to do is check and ask the agent that offers health insurance: Does insurance cover for critical illness protection? How critical illnesses dicovernya? Check and calculate how much protection that is destined for the critical illness and whether it is sufficient for the cost of the future?
2. Choose the insurance that covers total permanent disability
In addition to the critical illness cover, the other important thing is that the priority of such insurance must also cover the total permanent disability, either because of illness or accident so that the question can not work anymore. Also make sure that the insurance provides protection with a total permanent disability claim paid directly in cash instead of a gradual or " installments". Good health insurance usually after removing the lid indirect protection policy or break customer relationships.
3. Protection period
If you decide to have protection at this time, then you also have to count to your age will be protected, because the 5 -year course only difference will be very important for you not? Insurance firms that claim good product should have the longest period of protection, especially for critical illness benefits ( up to 70 -year -old client ).
In choosing a good health insurance should be based on the understanding that the decision to protect yourself and your family with insurance that is not solely for the protection of the health risks today or tomorrow, but for a few years or decades to come.
4. Customer Testimonials
Choose an insurance company that is reliable and has a good testimony from people who have used his services. Please check directly with co-workers, friends or neighbors who have used the services of the company. Take advantage of the Internet to find references about the testimonials of people who already use the insurance services.
5. Assessment of media
Choose health insurance has received the title of good judgment from a variety of media, such as Media Insurance and Insurance Media Research Institute ( Irma ) of Indonesia. Every year, both institutions are routinely held awards event for companies in the insurance field called Insurance Award. Assessment should not refer to only one or two institutions. More and more organizations or media that rewards, will be better.
What is a health insurance ( health insurance )? According to Wikipedia, the definition of health insurance is a type of insurance product that specifically guarantees the cost of health insurance or the members of the care if they fall ill or have an accident. Broadly speaking there are two types of treatments offered by insurance companies, namely hospitalization ( in- patient treatment) and outpatient care ( out - patient treatment).
In Indonesia there are many types of health insurance in circulation. Each claimed to be the best health insurance. If we read all the brochures or newsletters from the insurance companies, we will be confused myself. Where health insurance is good and which ones are less or not good.
For that we need to find common ground between the needs of our insurance with the health insurance programs they offer. Therefore, each individual has different insurance needs. Similarly, each insurance company has a product, system and different premium payment.
First of all the reasons you first clear the health insurance program. If briefly summarized, in general, the reason someone 's health insurance program are :
- Awareness and understanding that health care is expensive.
- Hospital costs are getting higher.
- Unpredictable health conditions ( unpredictable ).
- High- risk job because working in the field.
- Do not have the protection of the office / workplace.
- Working as self-employed and do not have health financing.
- So that if treated in hospitals can be free.
Choosing a good health insurance
Usually the one consideration in choosing health insurance are: how much benefit for inpatient, outpatient, ambulatory surgery , etc. . But in fact there are other things more important and should be a priority in choosing insurance. Here are some tips on choosing health insurance are:
1. Choose the insurance to cover critical illnesses
Belonging to the critical illness eg heart disease, cancer, tumor, stroke etc. It is the disease most feared by everyone. As a result of an unhealthy lifestyle, stress, obesity etc, people with the disease every year in increasing numbers . Sources said that the WHO, 90 % of the world's population who died earlier critical disease.
It is no secret that in Indonesia treatment for a variety of critical illnesses is very expensive. That is why consideration of critical illness cover should be a priority in choosing health insurance .
All you have to do is check and ask the agent that offers health insurance: Does insurance cover for critical illness protection? How critical illnesses dicovernya? Check and calculate how much protection that is destined for the critical illness and whether it is sufficient for the cost of the future?
2. Choose the insurance that covers total permanent disability
In addition to the critical illness cover, the other important thing is that the priority of such insurance must also cover the total permanent disability, either because of illness or accident so that the question can not work anymore. Also make sure that the insurance provides protection with a total permanent disability claim paid directly in cash instead of a gradual or " installments". Good health insurance usually after removing the lid indirect protection policy or break customer relationships.
3. Protection period
If you decide to have protection at this time, then you also have to count to your age will be protected, because the 5 -year course only difference will be very important for you not? Insurance firms that claim good product should have the longest period of protection, especially for critical illness benefits ( up to 70 -year -old client ).
In choosing a good health insurance should be based on the understanding that the decision to protect yourself and your family with insurance that is not solely for the protection of the health risks today or tomorrow, but for a few years or decades to come.
4. Customer Testimonials
Choose an insurance company that is reliable and has a good testimony from people who have used his services. Please check directly with co-workers, friends or neighbors who have used the services of the company. Take advantage of the Internet to find references about the testimonials of people who already use the insurance services.
5. Assessment of media
Choose health insurance has received the title of good judgment from a variety of media, such as Media Insurance and Insurance Media Research Institute ( Irma ) of Indonesia. Every year, both institutions are routinely held awards event for companies in the insurance field called Insurance Award. Assessment should not refer to only one or two institutions. More and more organizations or media that rewards, will be better.
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Insurance
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