How to Choose the Best Health Insurance for You..?

Health insurance is one of the most sought after insurance. How do you choose to get the best health insurance? Many problems are faced when choosing health insurance.

Insurance is not a user-friendly product such as a gadget, without the need to read a manual book, you can use it overnight. Insurance is a product with complex features and conditions. Understanding and carefulness are needed when choosing health insurance. In order to choose the best product, which best suits the needs of the participants. Not because of the pressure of agents or persuasion of friends.

To be able to choose and evaluate correctly, participants must know first how to choose the best health insurance. Here are some tips that you can follow. Hope you can help....

1. Using a Cashless System

Cashless is a claim reimbursement system that uses cards. By showing a cashless card, health insurance participants do not need to bail out the hospital bill payment when hospitalized. Cashless is different from the reimbursement system. With reimbursement, participants must pay the bills first and then submit a replacement to insurance.

Lots of experience shows the reimbursement process is not practical. Therefore, a cashless system is more recommended. Look for health insurance that uses cashless. If the insurance only provides a reimbursement system, make sure you understand the process when you have to claim hospital bills.

2. Accepted by All Hospitals

Make sure any hospital can receive a claim from the health insurance. Look for a health insurance that can receive claims from all hospitals in and outside the country. Usually the health insurance company already has a list of hospitals that they collaborate with. The more collaboration the better.

Because the cashless system, described in point 1 before, can only be used in hospitals that have collaborated with the insurance company. The cashless system must be followed by a large number of cooperative hospitals so that the benefits are optimal.

3. Family Health Insurance

Choose insurance companies that provide family health insurance. What does it mean? When one family, for example 3 members, submit, then only one health insurance policy is needed. All family members are included in a family health insurance policy. With only one policy for one family, the premium will be much cheaper, compared to each member having to buy one policy individually.

For example, this is a real case, there is one family consisting of 4 people. They applied for 500 thousand class room health insurance. With family health insurance, the total premium is IDR 20 million a year. Meanwhile, if you buy the policy individually, the total premium for 4 people is Rp. 48 million a year.

To find out more, how for example read the example of Family Health Insurance. What's important when looking for health insurance, you should take one that can make one policy for one family.

4. How to Claim Replacement

In general, there are two types of replacements, namely:

First, reimbursement is based on the cost of treatment at the hospital. Health insurance sets a separate ceiling for room fees, doctor fees, drug fees, lab fees, surgery costs, specialist fees and others. With this scheme, participants will not experience overplafond (which is replaced by smaller than the bill) so they must scoop out their own money.

Second, inpatient daily compensation (cash plan). This type does not see how many bills from the hospital. When sick, the amount of reimbursement from insurance is fixed, which is equal to the daily benefit multiplied by the number of days treated. The risk is that participants have to spend their own money if the bill is large.

Both types have advantages and disadvantages. The second type is usually relatively inexpensive compared to the first premium. Most importantly, when there is a health insurance proposal offer, you understand which type of reimbursement is offered. So you can make decisions correctly.

5. Inpatient Requirements

Pay attention to the conditions of hospitalization applied by the insurance. See the details in the policy or ask the agent when submitting a proposal to you.

Many think that every hospitalization the health insurance will definitely replace it. Yes, but there are conditions. These conditions that need to be found out because it can vary between insurance companies with one another.

The important thing to ask is as follows:

• Hospitalization must be done in a hospital. If hospitalized in the clinic, the insurance will not replace. Make sure with the insurance, what is meant by the hospital.
• How long does it take to stay in hospital so that you can claim the health insurance? Some stipulate that 1 day inpatient can be claimed, but there are those who require at least 2 days of hospitalization. Some are only in the ER (no need to enter the room first) for a minimum of several hours, it can be claimed, some are not.

Conclusion:

Health insurance is an insurance product that is quite complex because of its many provisions and disclaimers. Unfortunately, many do not want to read the policy and are lazy to learn to understand the insurance product of their choice. As a result, choices are often less than optimal (expensive premiums, small benefits, etc.), which results in meaningless complaints when inpatient claims are not replaced as expected.

Prospective participants should understand and study them carefully. If possible, read a lot of references in order to get the best insurance options.