The Importance of Having Health Insurance

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The Importance of Having Health Insurance

I was healthy and never sick during this time. Why should I take health insurance? "Many people think so and maybe we include one of them. However, ever occurred to us, what would happen if disaster and disease come on suddenly and we had to be hospitalized? We may have to pay for expensive medical treatment to savings depleted, and this of course is not a situation that we expect to happen.

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Instead, would not it be helpful if we already have health insurance that can help us to pay for medical expenses? More so for us now that the cost of health care is increasingly expensive. Paying the doctor, buy medicine, hospitalization are some examples of expenses that must be paid when we or a family member stricken with the disease.

Fortunately that worked at a company or agency that has had health insurance program, so at least, in part because of the risk of impaired health can be assisted by the health insurance program. What if the company has not provided this facility? Or are we an entrepreneur? We recommend that you do not hesitate and start planning to buy health insurance. With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty that easier for us to adjust spending and reduce unexpected costs.

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, the number of participants who took part individually or larger so the risk of a claim can be divided equally by all individuals in the group. The greater the number of groups or members within the institution or company, it will also lower the premium to be paid.

Benefits Health insurance is a type of insurance that helps fund the availability of health insurance affected if participants health problems or diseases. All the needs of the doctor, stay (treatments) in the hospital, the cost of drugs in the hospital until the operation, all of it can be covered by insurance companies. In general, the type of treatment or programs available are the benefits of ambulatory care (outpatient), inpatient benefits (inpatient), labor benefits and dental benefits. In general, the benefits of ambulatory (outpatient) borne by the insurance company is like a GP consultation fee and or specialists, prescription drug costs, costs of preventive measures, the cost of assistive devices required by doctors, and others.

In the outpatient benefits are maximum limits the use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like a hospital fees, lab fees, delivery fees, the cost of emergency services (emergency). Benefits consist of preventive dental care, basic dental care, dental care complex, and the installation of dentures. Third-care benefits, ie outpatient, maternity, and dental benefits is an additional option that we can take the following basic program, ie, hospitalization benefits. So, we are not allowed to just take advantage of outpatient, childbirth or dental treatment without following the basic program hospitalization benefits. The amount of premium to be paid and the amount of value in health insurance is dependent upon the health insurance program we choose.

Various insurance companies have these types of programs and different premiums with details different benefits as well. Usually, insurance companies limit the total amount of fees that can be used per year.

The system claims / reimbursement insurance
The system used by health insurance companies that there are 2 replacement system (reimbursement) or system provider. With the replacement system, insurance participants have to spend money in advance to pay for medical expenses that can then we claim or requesting reimbursement to the insurance company where we are a participant insurance. With this system, we are free to choose any hospital, but of course the maximum reimbursement has been determined in advance. That needs to be our primary concern in making the claim is complete letters of administration are the main requirements to process reimbursement we spend can be paid by the insurance company. Quick slow disbursement of funds claim depends on the services provided by the insurance company, but generally ranges from 7 working days. For those who embrace the provider system then we do not need to spend money first. We are only equipped with health insurance membership card in order to obtain needed health services in hospitals or health clinics that we have chosen previously by the list of hospitals that work together with the insurance company.

Choosing a health insurance

What kind of health insurance that we need to look and we choose? Here are some tips that may help us in choosing health insurance principle carefully before buying. As health insurance applicants, we are entitled to get the right information, clear, and honest about the terms / conditions stated in the insurance agreement.

We should first read the instructions, information, and the procedures carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that they can make the right decision. Given the usual clause or clauses written in small letters behind the agreement document and using a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of differences in interpretation between us as a participant or insured by the company penanggung. Choos The insurance or insurance companies are reliable and have good products and services.

Try to make the comparison with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premi.Jika company where we work does not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company.

This would be beneficial because the premium paid would be lower if collectively, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group. If for a moment we reflect on the coming of illness or accident is a common occurrence, although the time can not be predicted. Therefore, it is needed a plan to prevent and resolve the issue carefully and wisely. The principle of "willing umbrella before it rains" can be done, one way to have health insurance. So hopefully useful!

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