Importance of Having Health Insurance
I feel OK and did not hurt during this. Why do I need to take health insurance?
Many people think so and we may include one of them. However, what we think in mind, what will happen when the natural and the disease came suddenly and we had to be treated in the hospital? We may have to pay the expensive cost of treatment up to savings exhausted, and this of course is not a situation that we expect going. Instead, it will not really help if we already have health insurance that can help us in paying the cost of treatment? The more of us now feel that the cost of health care more expensive day. Paying the doctor, buy medicine, Inpatient are some examples of costs that must be paid when our family members or disease.
Fortunately the work in a company or institution who has a health insurance program, so at least, in part because of the risk of delayed health can be assisted with the health insurance program. What if companies have not provided the facility? An entrepreneur or we? Should not hesitate and start to plan to purchase health insurance. With the purchase health insurance, the amount of the expenditure for health care costs will be relatively stable because the size of the annual fee or premium may be calculated exactly, so we make it easier to set up in spending and reduce costs unpredictable.
In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance usually is for individuals or families, while insurance collectively as there is in many companies that have provided protection against health servants. Insurance premiums paid by individuals who have relatively higher levels of collective health insurance. Why? Because the collective, the individual or the number of participants in the larger so that the risk of a claim can be for all by the average individual in the group. The greater the number of group members or in an institution or company, the lower the premium to be paid.
Benefits
Health insurance is a type of insurance that helps the availability of funds if the health insurance fell ill health or disease interference. All the demands of the treatment to the doctor, stay (care) in hospitals, the cost of drugs in the hospital until the operation, all that can be borne by insurance companies. In general, the type of treatment or programs that benefit is available outpatient (outpatient), benefit Inpatient (inpatient), the benefits of labor and benefits of dental treatment.
In general, the benefits of outpatient (outpatient) is borne by insurance companies is the cost of such consultation and general practitioners or specialists, the cost of drugs prescribed, the cost of action on prevention, cost of equipment required by doctors, and others. In the outpatient benefit limit there is a maximum use of the funds each year. While Inpatient benefits that can be enjoyed by participants, such as health insurance costs is the hospital, laboratory costs, the cost of giving birth, the cost of emergency service (emergency). Benefits of dental treatment consists of prevention, basic dental care, dental care complex, and the false teeth.
Third benefit of treatment, namely outpatient, childbirth, and dental care benefits are additional options that we can take by following the basic program, that is, the benefits of Inpatient. Thus, we are not permitted to take only outpatient benefits only, childbirth or dental treatment without any benefit program Inpatient basis.
The amount of the premium must be paid and the value of insurance in health insurance is depends on the health insurance program that we select. Various insurance companies have the types of programs and premiums that vary with the detail of the benefit that is different also. Usually, insurance companies limit the number of total costs that can be used per year.
The system claim / replacement insurance
System used by health insurance companies have 2 of the replacement system (reimbursement) or the system provider. With the replacement of the system, the insurance money should be spent first in order to pay for medical treatment, which then can we claim to request reimbursement or insurance companies to which we become a participant insurance. With this system, then we free to choose which hospital alone, of course, but the maximum reimbursement has been determined in advance. That need to be a major concern to us in the claim is complete letters of administration so that the main condition of the replacement cost of the process that we can be paid out by insurance companies. Fast slow disbursement of funds depends on the claim that services provided by insurance companies, but generally ranges from 7 working days.
For those who follow the system provider, we do not need to pay first. We only provided with health insurance membership card to get health services that are required in the hospital or health clinic that we have been selected based on the previous list of hospitals that work with the insurance company.
Choosing health insurance
Health insurance, such as whether we need to careful and we select? Here are some tips that may help us in selecting health insurance
1. Principles carefully before buying.
As a potential participant’s health insurance, we will get the correct information, clearly and honestly about the conditions / requirements listed in the insurance policy. We should first read the instructions, information, and procedures are carefully and do not hesitate to ask the insurance companies when there are less clear. Learn the agreement with the well so that they can make informed decisions. Given the usual clause or articles written in small letters on the back of the document and use the term sometimes difficult to understand the general public, then we must be diligent to ask to avoid conflict in the future as a result of the differences between us as a participant or the Insured with the company insurance or surety.
2. Choose a trusted insurance company and have the products and services of good.
Try to compare with some health insurance companies that have trusted and prime services. Comparing benefits and premiums to be paid between the various health insurance products. Choose the appropriate to the needs and our ability to pay in premiums.
3. If the company where we work does not provide health insurance, then we can take initiative to collective health insurance program with fellow colleagues our employees in the company.
This will benefit because the premium paid will be lower if the collective, but the loss may not be able to adopt 100% in accordance with our wishes because it is also adjusted to the needs of the group.
When the moment comes we renungkan the sick or the accident is a common occurrence that even time can not be predicted. Therefore, a plan is needed to prevent and resolve the issue carefully and wisely. The principle of “umbrella ready before the rain” can be done, one way to have health insurance. So hopefully useful!
