a lot of things we do not know, but it is actually very important, when choosing the best health insurance for our families. These seven tips on how to choose the right health insurance.
Since the article appeared about choosing health insurance, many questions come to my email every day. Ask for advice, exchange opinions, vent and often criticism. The comment column also contains the phrase does little readers – readers question and comment.
It is certainly a remarkable thing. Because initially, the writing is made as sharing my experience (it is not easy) to find a company with the best health insurance in Indonesia that match the needs of the family. The response turned out to be outstanding.
From here, I became aware that many of the problems faced by people when choosing health insurance. This is not a user-friendly products such as gadgets, without the need to read the manual book, overnight wear can instantly. It is an insurance product that features and complex provisions.
I want everybody in Indonesia could choose insurance products that benefit according to their needs. Not because the choice of the agent or the persuasion of friends, but because it was his choice on the basis of understanding what their needs are.
But, for that, they must know how to choose the good.
Findings – I summarize findings in the field, think back, and discuss with your friends – in the insurance, then pour in the gist of my seven tips on how to choose a health insurance below.
1. Subscribe in Healthy
Never did I receive an email from someone who wants to insure his mother, who was admitted to the ICU of a hospital on the outskirts of Jakarta. He admitted, “I just realized how important insurance after my mother entered the hospital”.
I said, “thank you for your consciousness. But, to my surprise, it is highly unlikely the insurance company will receive a health insurance application for your mother. My advice, the better you are immediately take the health insurance “. My email is not answered. Did not know he was disappointed or surprised on that answer.
In the health insurance provisions known that the name ‘pre – exisiting condition’. Disease conditions that existed before you become a health insurance customers. Disease – existing disease is generally not covered by insurance. Although, under certain conditions could be an insurance company willing to bear it.
The point is simple, submit yourself to the insurance, when healthy. When already ill, very likely insurers reject your application.
Working in insurance law is the laws of probability. Of each policy issued no possibility that the client is healthy, there is the possibility of customers sick. Where will the customer, sick or not, nobody knows. Hence, insurance companies can operate and profit.
If customers received already sick, the insurance must lose for the hospital costs greater than the policy premium. That’s why insurance companies do not want to receive customers who are already ill. They profit agency, not a social institution.
So, if you feel need health insurance, proposing today. Do not be put off. The sooner, the better because the less likely already have the disease, the more likely it is approved petition.
2. Subscribe in Young Age
Increasing age, the risk of illness or death is higher? Of course, yes. That’s the law of nature.
Insurance companies take into account the health insurance premiums based on the law. Despite the healthy condition, the older age pay premiums more expensive than younger age. Age determines the level of premiums.
Therefore, the proposed insurance as early as possible. First, you save for paying health insurance premiums cheaper. Second, the risk is smaller disease when young, so that the possibility of a larger insurance accepted.
Unfortunately, I see a lot of friends – friends who are young and have enough income (to pay premiums) are reluctant to take out insurance. The reason, feel healthier and look at insurance as an expense. Do not consider anything tangible benefits insurance, which can be seen and enjoyed (gadgets that tangible). This is certainly the wrong thinking.
3. Do not Cash Plan
A mother never send email to me show offers health insurance premiums are pretty cheap. At that time, half of the premium that I had with the room conditions 1 million per day, while my insurance allotments rb 800 per day. Insurance so I choose, look unattractive, premiums are more expensive and lower the room tariff.
After some investigation. I know the reason, rooms 1 million per day the mother mentioned earlier is a type of insurance called cash plan. Cash-plan is a type of insurance with benefits based on how long hospitalization. Eg hospitalized 10 days, insurance replace 1 million times 10 days, which is 10 million. Without another look at how an actual charge.
Meanwhile, good health insurance is that the replacement cost based charges – the cost of hospital care. No room charges, doctor’s fees, costs of drugs, lab costs, operating costs, fees and other specialists – the other, wherein each – each has its own limit – yourself. So with this scheme, less likely to experience overplafond that requires us to spend its own to pay the extra costs that are not covered by insurance.
It’s an illustration of how different health insurance benefits than cash plan.
It looks cheap cash plan with a lower premium. But if we calculate well, comparing premiums versus benefits, cash plan to be expensive.
So cash plan should not be taken? It’s okay to be taken. But, you must have health insurance must first change the details of the bill based on the cost of hospital care. Cash plan should be an additional protection, for example, to replace the lost income (eg entrepreneur) because it could not work for their admission to hospital.
4. Term Hospitalization
Initially, I thought that anytime hospitalized I could make a claim to the insurer. It did not.
No terms – conditions. The insurer establishes rules regarding hospitalization, as follows:
Hospitalization should be done in a hospital. This means that if inpatient clinic, the insurance will not replace it. Verify with the insurance, what is referred to hospital.
How long hospitalization becomes a requirement. There is a set one day of hospitalization was able to claim, but there is that requires at least 2 days of hospitalization. There are only in the ER (no need to enter the first room) for at least several hours, it can be claimed for in the category of hospitalization. These requirements must be considered when evaluating insurance quotes. Ask the agent about the provisions of this hospitalization.
5. Family Insurance
Those who are married, must have health insurance intended for more than one person. For example, I asked three members of a family – parents and children.
The question is, is it necessary to buy multiple policies for each – each member, or just buy one policy for all family members? What is the difference?
Buy one policy is cheaper than purchasing multiple policies for a single family. I have to check and compare several insurance premiums to be paid.
This is because health insurance, particularly in unit-link, is the rider (riders) from its primary insurance life insurance. By purchasing a separate policy, it means that all members of the family should buy life insurance. While perhaps only, not all family members need life insurance (ie only the main breadwinner needs, child or wife / husband does not need).
Therefore, you are better off looking for a health insurance policy that can bear a single family. There is? There is. I’ve picked it up.
6. Double – Claim
With a government initiative launched the national health insurance program, almost all people today already have health insurance. Even so, many are not satisfied with the health facilities and want to purchase supplemental health insurance.
On the other hand, the hospital simply issued the original receipt. If so, the claim can not be done against the danger of additional insurance. How could take another insurance if so?
It does not need to happen if the insurer receives a double – claim. That means one of the health insurers will accept notarized receipt (do not need the original receipt) to pay claims. This makes the process of double – claim can be run.
Although currently only have one insurance, you have to anticipate that there is always a possibility to have other health insurance. Therefore, select insurance can receive a double – claim.
7. Pure Insurance
I once read a mutual fund analyst wrote in his column that he was ‘forced’ to choose the health insurance unit – link because there is no pure health insurance. In fact, he already has investments in mutual funds.
In the last portion of unit-linked investments, so that these observers who buy health insurance unit link is actually doing waste because he already has investments in mutual funds. Better money is used to increase its investment in mutual funds.
I’m not saying do not buy unit-linked. Not at all. Buy products that are suitable to your needs, it is my message.
That is, if you already have an investment, such as mutual funds, gold, property, why is it necessary to buy an insurance product that has an element of investment. Better to buy a pure health insurance products that do not have an investment element.
Pure health insurance premiums cheaper than health insurance unit link. Or if the same premiums, the benefits are greater in the pure health insurance.
The message was clear. Buy a product to suit your needs. If it does not have investments, buy unit-linked health insurance is one thing that can be done.