Benefits of Cashless Health insurance
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| Benefits of Cashless Health insurance |
In the world of insurance, there are two claims system of insurance benefits, namely reimbursement and cashless. In terms of practicality, cashless health insurance is considered to be better and easier for customers. Here's why :
No need for bailouts
Reimbursement means a refund. This means you have to spend money first to get a treatment or treatment in the hospital. To get reimbursement, you must fill in the claim form and complete the required files.
As with the cashless system, you only need to provide insurance cards in the hospital Administration section. Next the hospital will swipe the card to check the benefits. Before returning home, the card will be swiped back for transactions.
The insurance company will cover the cost of treatment and treatment while still in the applicable ceiling. This means you don't have to be prepared for bailouts to get health care.
Very useful in emergency situations
Think of an emergency where you need immediate health care. For example, when you are on vacation in a small town where access to an ATM is difficult to find, or the balance in the account is insufficient.
In this case cashless health insurance will ease you. Without the need to pay down payment or deposit, you can directly enjoy the health service.
The process is easy and fast
In the reimbursement system, you are required to fill in or complete certain documents in order for the insurance company to reimburse the fees you incur. Such documents include claim forms, hospital payment receipts or original receipts, fee details, medical results for diagnosis, prescription, and photocopy of identity.
Payment of compensation for claims submitted may take several days after the document is complete. The health insurance provider may also verify with the hospital or doctor, so that the disbursement of funds becomes longer.
Filling out and setting up claim forms along with their companion documents can be time-consuming. Unlike with cashless health insurance, the process is easier and quicker. You just have to swipe the insurance card at the beginning of registration and when transacting. After returning home, you do not mess around completing claim forms or prepare other documents.
Having cashless health insurance makes it easier for you. But before you use it, make sure you also know the following :
Clinic or hospital associates with health insurance
To prevent your insurance claim from being rejected, make sure the clinic or hospital is working with a health insurance provider.
Learn the health insurance policy terms
The health insurance policy may have some exceptions that are permanent or temporary. Such exceptions are conditions where health costs are not covered.
Permanent exceptions include hospital and surgical treatments due to war, military duty, suicide attempts, dangerous activities or sports, involvement of insured in non-commercial flights, criminal acts committed By the insured, drunk, use of illegal drugs, and so on.
While the temporary exception for example waiting period, good waiting period for pre-existing condition and critical illness (critical illness)....
Learn the Ceiling
Each health insurance product has a different ceiling. The ceiling is the maximum limit of medical expenses incurred by insurance. For example if the ceiling consultation fee of the specialist doctor is Rp 200.000 while your consultation fee Rp 250.000, then you have to pay the rest.
Bring supporting documents
While cashless health insurance makes it easier for you to transact, make sure you carry supporting documents. The documents include your KTP, family card, checkbook, or laboratory results to make it easier for you to get the best health care.
Now you know the benefits and advantages of cashless health insurance
Hopefully it can help you in insurance