The life of modern society that tends to be free and can do whatever they want makes some people think about their future. The future when they already have a family with a lot of great responsibility towards the family. The busyness of working with a target makes many people easily lose health.
The lifestyle and lifestyle of these people make them think about how to do what they are currently doing can guarantee the life and health of their families. Many life insurance, health insurance, etc. have emerged which have different standards for each company. But currently it is still a priority for the Indonesian people is Health Insurance. As the general public, we are sometimes confused about choosing good health insurance for ourselves and for families.
The following are the criteria for good health insurance:
1. CASHLESS
Cashless is a claim method where payments are made just like an ATM card. So the family or the patient only needs to swipe the card for payment and everything has been fulfilled. It's just that if you use Cashless you have to be at a hospital that has collaborated with your insurance company.
2. EXTENSIVE HOSPITAL NETWORK
A broad hospital network means the insurance company that you are participating in has counter appeal provider rate increase negotiation appeal letter cooperation with many large and good hospitals in your area, it is better if all over Indonesia also collaborate. So whenever we feel safe because everything has been covered
3. CEILING AND PREMIUM ACCORDING TO NEEDS AND ABILITIES
Ideally, the health insurance ceiling is chosen according to our wishes and abilities. If the scheme taken is lower, when you are hospitalized, you will have to pay additional costs to cover the shortfall that is not covered by insurance. So it is better if you take the ceiling and premiums according to your own needs, don't bother yourself to pay the premiums.
4. PURE HEALTH INSURANCE
Choose health insurance that stands alone, not a unit-linked rider life insurance. Why? Because it's expensive. In unit-linked, the premium will be divided for life insurance, investment and new health insurance so that the portion for health becomes small.
In pure insurance, the premiums are intended solely for health cost coverage, so that the premiums will be cheaper and automatically the insurance coverage will be higher.
5. PRIORITIZE HOSPITALIZATION
Medical costs usually include outpatient and inpatient care. We recommend that you focus on insurance that covers hospitalization costs because usually hospitalization is the largest cost needed than outpatient care. If you feel necessary, you can take out additional outpatient insurance.
6. WAITING PERIOD FOR SICKNESS
Some health insurance requires a waiting period, some illnesses cannot be claimed for a certain period of time from the date of the insurance period. For example, Cigna determined that the following diseases could only be claimed 12 months later, namely asthma; Tuberculosis (tuberculosis); kidney, urinary tract and bladder stones; high blood pressure (hypertension), heart and blood vessels; Diabetes (Diabetes Mellitus); Vertigo and others. Ask the insurance company what is the waiting period and for how long.
The importance of health and the high cost of medical treatment makes insurance that protects these costs is an important part of any family financial planning. Especially if there are no health facilities from the workplace. Make sure to choose good health insurance and best suit the needs and abilities of the family. Use the information provided for your consideration.
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