Benefits and Strategies Choosing Health Insurance

 Health insurance is one of the types of insurance products that specifically guarantee the cost of health insurance or care members if they experience illness or accident.
Health insurance products held either by social insurance companies, life insurance companies, as well as a general insurance company. Some insurance companies and life insurance has also marketed health insurance programs with various variants.
Nowaday, very noticeably becoming increasingly expensive health care costs. The cost of doctors, medicines, especially for hospitalization costs are costs that must be paid when you or some of your family members stricken with the disease.
Be thankful if you are currently working in a company that already has a health insurance program so that it can minimize the risk when experiencing pain can be helped by the presence of a health insurance program.
Benefits and Strategies Choosing Health Insurance

If you are not currently a health insurance program is recommended in order to feel free and be prepared to buy a health insurance plan, because disease knows no age though logically prone to diseases of old age, but the premium paid depends on your age.
Increasing age of the premium paid will be more expensive and are further aggravating the situation where if you are already experiencing a critical illness, it will be difficult to follow or received in the health insurance program.
Judging from the kind of health insurance in Indonesia consists of a collective health insurance and individual health insurance. Individual insurance specifically designed for individuals or families, while the collective insurance is for companies to provide health insurance to their employees.
The burden of individual insurance premiums are relatively more expensive compared to the collective health insurance. Why is that? It happened because of the number of individuals or participants in a collective insurance more so when the risk, the claim can be shared equally by all the individuals in the group.


 * Benefits of Health Insurance

    Helping availability for all needs doctor's fees, medicines, hospitalization, up to the surgery. In general, the type of care or program provided are the benefits of outpatient (Outpatient), hospitalization benefits (Inpatient), labor benefits and dental benefits.
    Benefits of hospitalization (inpatient) that can be enjoyed by the health insurance participants includes hospital fees, lab fees, delivery fees, costs of emergency (emergency service). The dental benefits of prevention, basic dental care, dental care complex, and the installation of dentures.
    Benefits ambulatory (outpatient) include cost of consulting a general practitioner or specialist, using prescription drugs, the cost of preventive measures, as well as the cost of aids recommended by a doctor. There is a maximum limit use of funds annually in outpatient benefits.

Third-care benefits mentioned above is an additional option that we can take the following basic program, ie hospitalization benefits. We can not just take advantage of either of these additional options without following the basic program that hospitalization benefits.

The value of the premium to be paid and the sum insured in health insurance depends on the program you choose. Various insurance companies have this kind of program and premiums vary with the details of the insurance benefits are different also.
Replacement or Health Insurance Claims System
There are two types of systems that use the system of reimbursement (reimbursement) or system provider. With reinburstment system, insurance participants must use the money in advance to pay for medical expenses, etc. can be claimed or replacement request to the insurance company.
Using reinbursment system you have freedom in choosing a hospital, but the maximum cost of replacement has ditentapkan in advance. Melalakukan claim to completeness attached letters of administration are the main requirements in order to process replacement cost you have to spend in order to be paid by the insurance company. The length of time depends on the disbursement claims of the services provided, but generally range between seven working days.
For a system provider we do not need to spend money upfront. You just simply show the membership card of health insurance for health services needed in a hospital or clinic that we agreed upon earlier in accordance with the list of hospitals or clinics that have cooperated with the insurance company.


 * Choosing Health Insurance

If we look today there are so many insurance companies, need to step in and wise strategy. Here are some tips on choosing health insurance:

    Choose an insurance company that has a track record that can be trusted with the product and service excellence. Insurance companies are good, usually having many branches and you can look through the news media or the Internet.
    Observe and compare benefits and premiums to be paid, it is advisable to choose a product that suits your needs and abilities.
    Learn in advance what kind of services they offer and what are the advantages that you can get. Read the entire article by article in detail, because usually they often include conditions that are less obvious or bias meaning.
    Choose the insurance that is based on the economic value replacement if you later costs for treatment and not as seen from the value of the premiums.
    Follow collective health insurance program, because the burden of the premium paid will be much cheaper. If your company does not provide health insurance coverage, you can also invite your close friends to join the program.