Today, human needs for health insurance increasingly need to be met. This relates to guarantees that protect your financial sector, if something unexpected happens, such as accidents, chronic diseases, and natural disasters.
Today, the cost of treatment, doctors, and hospitalization is increasing. Plus if the disease is classified as severe disease. You can say that you are a healthy person right now. However, you will not know how your health will be in the future. For that, you need to take preventive measures by protecting yourself and your family with health insurance.
In addition, by using insurance, you can protect your finances as well. Because if you don't have insurance then an accident or illness occurs, it will often make someone's finances become messy.
Therefore, you need to pay attention to the following important things before you buy health insurance.
1. Choosing a Health Insurance Provider Company
Choose an insurance company with a good track record of excellent products and services. One of the characteristics of a good insurance company is having many branches. To find out, you can search for information through the internet or newspaper.
To be more sure, look for colleagues or relatives who have tried insurance at a company. Try to find and compare companies that provide many benefits.
Observe and compare the benefits of premiums that must be paid. Choose a product that suits your needs and financial capabilities. Don't force yourself to take expensive insurance. You can cut your budget by choosing an ordinary room when you have to go to the hospital, no need for luxury.
2. Health Insurance Provisions
Learn in advance what kind of services offered by the company, and what benefits can be obtained. Read the entire article in detail, because usually they often include conditions that are incomprehensible or biased in their meaning.
If you still don't understand, you can ask questions until you get a clear answer. Make sure that the insurance policy covers the medical costs you want, such as hospital, doctor, medication, and surgery costs.
3. Guarantee or Coverage
It is imperative that you as a prospective customer fully understand this. Because it can affect your decision to buy insurance or not. Every customer has the same mind so that the insurance they buy can fulfill their needs optimally. That is, protect from various risks of disease and various health problems in the future.
You need to know what risks will be guaranteed insurance. Also note also whether there is a maximum age limit that can be guaranteed insurance products that you will choose. Equally important, you also need to know how many other family members the insurance can cover.
4. Claim Value Per Year
In general, insurance agents will provide a table of claim values that will be received by you as a prospective customer when sick every year. For example, the rates for general practitioners, specialist doctors, prescription drugs, types of diseases, and others. When the maximum claim has been exceeded, the rest of the treatment will be your responsibility.
5. Hospital Network and Reimbursement System
The more choices of hospitals that work with insurance companies, that means the better the product. Even more so if the insurance product is accepted in all hospitals. Therefore, you can calmly rely on insurance products.
You as a prospective customer will feel comfortable when treated. Simply by showing an insurance card, your problem can be resolved. This method is referred to as cashless which means you do not need to pay at the hospital because it is already covered by the insurance.
In addition, consider whether the reimbursements system also applies. This system means you have to pay first and then you can submit a claim to the insurance company. For reimbursement, usually the customer must attach a prescription and diagnosis form that has been signed by the doctor.
6. Inpatient and Outpatient Procedures
In health insurance, there are two types of care that are covered, namely in-patient treatment and out-patient treatment. You need to check whether your insurance agent provides inpatient or outpatient coverage.
For outpatient care, you also need to ask how the insurance company will provide reimbursement for medical expenses or laboratory tests as promised in the policy. Of course, if participants experience inpatient or outpatient treatment at the clinic or hospital.
Meanwhile for hospitalization, the procedure depends on the premium paid. The hospital will check insurance benefits tailored to the class of health services. For example, the nominal given by the insurance company for the cost of the room is as much as Rp. 250,000. The price is equivalent to a class III inpatient room. Therefore, the hospital will recommend that patients be treated in class III.
7. Risk of Accident, Permanent Disability, and Death
In health insurance products, there are two types of products, namely pure and additional (riders). Pure health insurance only covers the reimbursement of medical costs or laboratory tests when sick. Insurance coverage can be expanded if prospective customers want the riders facility as additional insurance.
Riders are reimbursement of all hospital costs due to accidents, treatment of critical illness, to the provision of compensation due to death.
Additional insurance or riders function to optimize the main insurance program. However, you must be wondering to get the expansion of benefits. Do you have to add more premiums or are they already included in the benefits of the product?
If you do not understand the true benefits, you should ask for illustrations of events that are guaranteed insurance. The illustration is for example the incident on the highway due to being hit by a vehicle. Does the insurance cover all treatment or are there other conditions that need to be prepared.
8. Medical Check Up
There are insurance that provides medical check-ups and some are not. If there is a medical check-up, the insurance usually wants to measure the health risks of prospective customers. If a customer is diagnosed with a certain disease, the insurance policy may be refused. Or if possible, customers get the consequence of paying more premiums.
Most insurance products do not include the burden of medical check-up costs as covered, or in other words the costs are borne by the customer. This policy is intended not to be misused for those who only want to do free check-up. So, you need to make sure from the beginning whether there is a medical check up or not.
Try to Have Health Insurance
Health insurance can be the best form of protection that provides compensation for losses suffered due to illness or other health risks. Still need to remember, make sure the desired health insurance in accordance with needs and choose a health facility that suits your budget.
Also make sure you pay insurance premiums every month, or according to the agreement. For that, you can ask for help from one of your family members to remind. If you are a family head, make sure you also register insurance for all family members. Whatever his age, you will not know what will happen in the future.