Friday, March 22, 2019

Easy-Easy Difficulty, these Tips Choose the right health insurance

The development of insurance shows a fairly high number in Indonesia, public awareness of the importance of a protection for health, life and their assets is one of the factors causing this. People are now smarter and understand the benefits that can be obtained from an insurance service.

Health insurance can be an easy way for someone to manage financial risks due to illness. No exception for young people.

It is also certainly welcomed by insurance service providers, where they try to always innovate and give birth to a variety of new insurance products. This is done to meet all customer needs and also provide many choices that can be tailored to the interests and needs of each of their service users.

choosing the best health insurance should be easy. In addition to the many choices of insurance companies along with the best deals, you also need to be more observant in matching your personal needs with the services provided by the insurance company.

The number of companies engaged in insurance services is also very much spelled out, this of course makes a fairly tight business competition, so the companies are competing to provide the best service for their service users.

Currently there are various types of insurance that you can make as an option, this of course makes you have to be really observant in selecting and choosing one of the insurance services that will be used. One of the most widely used insurance services is health insurance, where the number of users is very high compared to other types of insurance.

When you decide to use health insurance services, then surely you must understand all the policies and rules set out in the insurance policy, this right will prevent you from various kinds of losses that could arise due to inaccurate understanding of the contents of the policies issued by insurance companies. You certainly don't want to experience this, right?

Although it looks the same, but every health insurance policy issued by an insurance company will have differences and advantages of each. This is what you should look at before making a decision, where in many cases some customers feel disadvantaged due to lack of understanding and the provisions contained in the policy.

The following are some points that you can make as the right strategy in choosing health insurance :

1. To understand the needs of the insured

Understand rightly what the needs of the insured. It is aimed so that you can find which health insurance if the most appropriate to your needs, so that the benefits it brings will be more optimally.

If you are already married, select services that can include the whole family. Specify also from now do you need outpatient benefits in addition to hospitalization for example, physiotherapy, dental health and insurance with critical illness protection.

2. adjust the budget with premium magnitude

The amount of the premiums generally depend on how much it is going to be dependent, as well as the insurance of insured risk profile. For example, insurance health gives you the assurance of hospitalization alone may be less expensive than premiums for health insurance with benefits hospitalization outpatient at once.


Financial planners advise, the burden of payment of insurance premium is the ideal are 10%-15% of the total income of your routine. Don't get wrong choosing premium edges make financial budget to swell.

3. Identify insurance systems

About health insurance claims systems, there are two types namely reimbursement and cashless. Both of these methods, it will obviously be a big consideration because it has rules and policies relating to each.

The reimbursement scheme is done by paying in advance all costs of treatment, and then later on You kuitansinya claim to the insurance company concerned. Whereas the system of cashless judged more practical.


4. ask which course provider hospital

Every reputable insurance companies, typically has had cooperation with many hospitals. Ask affordability provider hospital affiliated with the insurance service.

If necessary, do not just hospitals near the location of where you live, but also to the coverage provider to various cities in Indonesia.

5. create a comparison

Make a comparison between the health insurance company with one another. This comparison is important so that you don't get confused by the large number of insurance products that offer a variety of advantages.

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