Health Insurance

Health insurance is one type of insurance product that specifically guarantee the cost of health care insurance members or if they experience illness or accident.

Health insurance products organized by social insurance companies, life insurance companies, as well as a general insurance company. Some insurance companies life insurance losses and has also marketed health insurance programs with a wide range of variants.

Present era, very pronounced health costs is becoming increasingly expensive. The doctor's fee, medicine, let alone for the cost of hospitalization is a cost that must be paid when You or some of your family members stricken with the disease.

Be thankful if you are currently working at a company that has had a health insurance program so that it can minimize risk when experiencing pain can be helped by the existence of a healthinsurance program.

If you currently follow recommended that health insurance programs don't hesitate and be prepared to plan for purchasing health insurance, because disease knows no age though the age old logically susceptible to disease, but the premium payable depends on your age.

Increasing age of the premium paid will be more expensive and more aggravating circumstance where if you've been experiencing critical illness, it will be difficult to get accepted into the program or health insurance.

Judging from the kind of health insurance in Indonesia consists of collective health insurance and individual health insurance. Individual insurance is specifically intended for the personal or family, while the collective insurance for companies to provide health coverage against his officers.

The burden of individual insurance premiums relatively more expensive compared to the collective health insurance. Why is this so? It happens because the number of individuals or participants who participated in the collective insurance is more so when the occurrence of risk, the claim can be divided equally with all individuals who are in the group.

Health Insurance Benefits

1. Help availability for all cost doctors, drugs, hospitalization, to action. In General, the type of treatment or programs available is the benefit outpatient (outpatient), the benefits of hospitalization (inpatient), childbirth benefits, and the benefits of dental care.
2. Benefit inpatient (inpatient) which can be enjoyed by the participants of the health insurance covers the cost of hospital care, laboratory fees, the cost of delivery, costs of emergency (emergency service). As for dental care benefits comprise prevention, basic dental care, dental treatment is complex, and the installation of dentures.
3. Benefits of ambulatory (outpatient) include the burden of consultation with general practitioner or specialist, drug use, prescription costs top precautions, as well as the cost of props are recommended by doctors. There is a maximum limit of use of funds each year in outpatient benefits.

A third treatments benefits above constitute an additional option that we can take by following the Basic program, that the benefits of hospitalization. We can't just take advantage of one of these additional options without following basic programs i.e., hospitalization benefits.

Magnitude value of the premiums to be paid as well as the value of the coverage in health insurance is very depending on the program that we choose. Various insurance companies have different premium programs and with details of different coverage benefits.

The health insurance system or replacement Claims

There are two types of systems are used namely replacement system (reimbursement) or system provider. With the system reinburstment, participants should use the insurance money in advance to pay for medical expenses, so on may be claimed or request for reimbursement to the insurance company.

Using the system reinbursment you have freedom in choosing a hospital, but the maximum replacement cost has been ditentapkan in advance. For completeness of the enclosed claims melalakukan letters of administration that became the main requirement in order to process the replacement cost that you have to spend in order to be paid by the insurance company. The length of time of disbursement claims depending on the service provided, but generally range from seven days of work.

For a system provider we do not have to spend money upfront. You just simply show the membership card of health insurance for health services that are needed in a hospital or clinic which we have previously agreed on appropriate hospital or clinic that has been working with the insurance company.

Choose Health Insurance

If we examine today there are countless insurance companies, need to be a wise strategy and measures. Here are some tips in choosing health insurance:

1. Please choose the insurance company that has a track record that can be trusted with excellent products and services. Insurance companies are good, usually have many branches and you can look through the news media or the internet.
2. Examine and compare the benefits and premiums should be paid, recommended choose the product that suits your needs and your abilities.
3. Learn in advance what kind of services they offer and what are the advantages that you can get. Read the whole article for the sake of the article in detail, because usually they often include terms that are less obvious bias or its meaning.
4. Please choose a value-based insurance economical replacement if later you need the cost for treatment and not because of the views of the value of the premiums.
5. Join the health insurance programs collectively, because the burden of premium paid will be much cheaper. If your company doesn't provide health insurance coverage, you can also invite your friends to join the program.