5 Tips for Choosing Health Insurance
Choosing health insurance for yourself and your family does need consideration. Not only in terms of costs but also health services that It will guarantee. Of course, choosing health insurance must match your needs and budget.
Currently, there are many health insurance products in circulation. Each product offers its respective advantages, including the amount of premium. Some are very affordable to the most expensive.
The amount of this premium will affect the health insurance you will receive. Still, you have to be observant in choosing the right and best health insurance product for your family so that you get maximum benefits.
The Best Tips for Choosing Health Insurance
1. Do not recklessly accept cash plan product offers
There are many kinds of insurance. One of them is a cash plan product. Policyholders are promised several 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 three days. Per day, the sum insured for inpatient rooms is million. Then the cash plan policyholder gets a reimbursement of 2 million multiplied by five days. Means of 10 million.
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 the room costs that are covered and these bills, there is a limit or ceiling. For example, the cost of medicine per day, a top of 500 thousand, a specialist 500 thousand, or others.
2. Choose family insurance
If you are married and have children, buy an insurance policy for the entire family. The same policy. This will save you the cost of insurance premiums every month, and both for your wife/husband and your children's health coverage. More practical, right, than their respective policies.
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. During the original receipt, you will use it to submit requests to other insurance companies.
4. Choose pure insurance
Choosing pure health insurance can be the right decision. Insurance like this allows you to get maximum benefits 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.
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 the name of the disease when it 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 severe 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.
Every family or individual has different health insurance needs. That will determine you in choosing an insurance product. Apart from requirements, financial ability is also an essential factor. Do not need comprehensive health insurance, but the budget does not support it.