How To Choosing the Best Health Insurance

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How To Choosing the Best Health Insurance

When it decided to stop working and start your own business, one thing that needs to be addressed is the matter of health care costs. How to be financed? One of them is to take health insurance. But the problem is, how to choose the best health insurance.
Choosing the Best Health Insurance
Health insurance is insurance that provides reimbursement of medical expenses if the policyholder hospitalized because of disease or accident. The amount of reimbursement by the amount of the bill from the hospital with a certain limit restrictions based insurance plans are taken. Insurance is part of the way to manage the family finances.
How To Choosing the Best Health Insurance
Different health insurance with critical illness insurance. Critical illness insurance provides cash benefit if certain critical illness. Given a one-time cash benefit in a lump-sum.

Before looking at each - each offer, we should first discuss what the ideal criteria. After that, we can determine where a good health insurance.How To Choosing the Best Health Insurance

Criteria for the Best Health Insurance

According to the literature and opinion of financial planners (what and how financial planners work see here), this was the one thing - things to consider. How To Choosing the Best Health Insurance

    Cashless

    With cashless, reimbursement becomes easier. When admitted to the hospital, you do not have to pay, but quite settle the bill with the insurance card swipe. No need to pay upfront, which then still have to be reimbursed to the insurance (reimbursement).
How To Choosing the Best Health Insurance
    However, this requires a cashless hospital where you are treated already in cooperation with the insurance because the hospital must have and put the machine to swipe the insurance card. If not cooperation, despite having insurance claims cashless system, you are forced to continue to pay upfront and then finish with reimbursements.

    Network Hospital Wide

    Cashless claim can not be done in a hospital that does not have agreements with insurance. Therefore, select the insurance that has a network of cooperation with many hospitals. Make sure the hospital your subscription (if any) in collaboration with the health insurance will be selected.
    Ceiling and premiums according Needs and Capabilities
How To Choosing the Best Health Insurance
    Ideally health insurance ceiling selected as desired. If the scheme is taken lower, while later hospitalized, you have to pay extra to cover the uninsured insurance.
How To Choosing the Best Health Insurance
    Of course, the high ceiling is proportional to the amount of the premium relates. The more expensive the price of a hospital room, the more expensive the premiums. Adjust premiums with ability, not even your financial burden. Must be ready to trade-off between the premium and the ceiling. Although it is often not easy, due to health problems, such as the selection of the hospital room, the more emotional and tend to want a comfortable and nice, the rooms are expensive price implications.

    Pure Health Insurance

    Choose a stand-alone health insurance, life insurance rider is not a unit-linked. Why? Expensive. In unit-linked, the premium will be divided for life insurance, investment and new health insurance. To be a small portion of health, so you have to pay more to get a higher ceiling. Not to mention, a number of pieces of unit-link cost is not a small amount, which further reduce health premiums.
How To Choosing the Best Health Insurance
    In pure insurance (see Insurance Pure matter what it is here), premiums are intended - an eye for the cost of health insurance and the cost cuts are also not at cost in unit-linked, so it becomes cheaper premium or sum insured is higher. If you want proof, compare the sum insured and the premium amount between pure health insurance with health insurance that is part of unit-linked.

    Prioritize Hospitalization

    Health costs include outpatient and inpatient. Should focus on the insurance cover hospitalization due to this treatment the greatest costs. If you have more money, can take additional outpatient insurance.

    No limit per Treatment

    There is a limit or ceiling that limits the maximum amount of medical expenses claims. Generally, insurers implement two types of limits, the first is the combined limit of all treatments and the second is the limit per treatment. For example, the first limit restricts combined all maintenance costs Rp 250 million in a year, while the second limit limit surgical treatment costs USD 10 million a year, the consultation fee of Rp 10 million a year and so on.
How To Choosing the Best Health Insurance
    There is a limit of insurance which only uses the first, there is only the second limit and some are using both at the same time limit. We recommend that you select the insurance that applies the first limit, or in other words do not limit the cost per treatment. It means that the policyholder flexible treatment of various treatments for a total limit is still there. Insurance limits that restrict the first and second limit, of course, most are not ideal.

    Payment Notice Auto Debit Credit Card

    Although it seems to make it easier and usually pay a monthly premium (it would appear lighter), please liver - liver perform auto-debit payment by credit card (want to know how to manage credit cards, see here). If forced to use this method because the insurance does not provide any other payment alternatives, make sure you know when payments begin and how the process if you want to stop.

    Avoid Taking Health Insurance via Phone

    Offer health insurance through tele-marketing started popping plural. Usually in cooperation with the credit card issuer. Related products are quite complex, as this insurance, you should think about, and if the analysis had to do research before making a decision. Therefore, I do not recommend taking a decision immediately when bidding by telemarketing. I had already experienced rapid and summarily the bidding process, so much detail info that could not be delivered due to time constraints. If you are indeed interested and need time to think about it, can ask the insurance contact number, which you can later call when it was ready.

    Wait Period Disease How To Choosing the Best Health Insurance

    Health insurance requires a waiting period, some diseases can not be claimed for a certain period from the date of expiry of insurance. For example, Cigna set the following diseases can only be claimed 12 months later, ie asthma; TB (Tuberculosis); kidney stones, urinary tract and bladder; high blood pressure (hypertension), heart and blood vessels; Diabetes (diabetes mellitus); Vertigo; etc. Ask the insurance company what goes disease and how long the waiting period.

Want to Choose a Health Insurance Where?

Depends. If you do not have insurance, my advice choose between Allianz, AXA or Manulife because they belong to the ideal limit. Meanwhile, if you already have insurance from work and want to add insurance, take my advice Cigna because most economical with the insurance premiums are passable.How To Choosing the Best Health Insurance

What if need health insurance for our parents? Listen article Elderly Health Insurance protects up to age 79 years.How To Choosing the Best Health Insurance

The importance of health and the high cost of medical treatment that protects insurance costs make this an essential part of every family's financial planning. Especially if there are no health facilities from work. Make sure you choose the insurance that best suits your needs and abilities, in the heart - the heart. Most do not use the description above as a guide. Congratulations choose the best health insurance for you.


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