How to Choose a Health Insurance: 7 Effective Tips to Apply – infomediaku.net
Choosing health insurance for yourself and your family does need consideration. Not only in terms of costs but also health services that will be guaranteed. Of course, choosing health insurance must match your needs and budget.
Currently, there are health insurance products in circulation. Each product offers its respective advantages. Some are very affordable to the most expensive.
You must be observant in choosing the right and best health insurance product for your family so that the benefits you get are maximum.
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If you are still confused, here are tips for choosing health insurance:
1. Do not recklessly accept cash plan product offers
There are kinds of insurance. One of them is a cash plan product. Policyholders are promised a certain amount of reimbursement funds if they are sick and have to be hospitalized in the hospital. The amount of funds depends on the initial decision when purchasing an insurance product. The premium is usually cheaper.
For example, a policyholder is sick with dengue fever and must be hospitalized for 3 days. Per day, inpatient room sum insured $ 200. Then the cash plan policyholder gets reimbursement of $ 200 times 5 days. That’s $ 100.
But that’s all it will bear. Meanwhile, in addition to room bills, there are other costs such as medicines, doctor fees, not to mention blood tests at the laboratory, specialist doctors, and others. It is not seen in the cash plan type of insurance.
While the right health insurance is not only the room costs that are covered but also these bills even though there is a limit or ceiling. For example, the cost of drugs per day is $ 100, specialists are $ 100, or something else.
2. Choose family insurance
If you are married and have children, buy an insurance policy for the entire family. One and the same policy. This will save you the cost of insurance premiums every month and both for the health coverage of your wife/husband and children. More practical, right, than their respective policies.
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3. Choose double claim insurance
If you intend to have two health insurance at once, make sure you choose insurance that allows double claims. You can make a claim even if you only use a legalized receipt. While the original receipt, you will use to submit claims to other insurance companies.
4. Choose pure insurance
Choosing pure health insurance can be the right decision. Insurance like this allows you to get the maximum benefit, without the need to pay expensive premiums. Pure health insurance is not accompanied by investment (unit link), so you only need to pay a premium for the health benefits that you will get.
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5. Buy insurance while healthy
The purpose of buying an insurance policy is definitely to get protection or insurance from health risks. No one knows when the disease will come. Prepare an umbrella before it rains, not the other way around. Including choosing and applying for health insurance.
If you apply for health insurance when you have a serious illness or have a history of being hospitalized, the insurance companies have their respective policies. Some even refused the insurance application. Based on the insurance company policy, it is possible that the disease that you have suffered will not be covered.
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6. Buy insurance as early as possible
The sooner you apply for health insurance, the better. If you apply for health insurance when you are young, then you will have the opportunity to get a low premium.
Conversely, you have to pay a higher premium if you apply for insurance after old age and suffer from certain diseases. So don’t delay buying health insurance, so you can enjoy maximum service at an affordable premium.
7. Conditions for being hospitalized
Hospitalization benefits should be your consideration in choosing health insurance. Don’t get sick and have to be hospitalized, but you can’t make a claim because you don’t understand the rules of hospitalization from the start of buying the policy.
Usually, the insurance company will make these two things as a condition of hospitalization for policyholders, namely
Selection of the hospital that will be used as a place of hospitalization. This relates to the understanding of a hospital according to the insurance company itself.
The length of the hospitalization period. The average insurance company sets two days as a condition, but there are also those that specify one day.
Understand Your Needs and Your Family
Every family or individual has different health insurance needs. That will determine you in choosing an insurance product. Apart from needs, financial capability is also an important factor. Do not need complete health insurance, but it is not supported by the budget.
If the salary is mediocre but you want to have insurance, you can choose family health insurance at an affordable premium. Of course, insurance or health benefits are standard.
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