Matter in Determining Health Insurance
The amount of reimbursement corresponds to the number of bills of the hospital with certain limit limits based on the insurance plan taken. So we don't have to directly choose insurance
We have to look at each one – each offer, it's good to first discuss what the ideal criteria is like. After that, we can determine which health insurance is good.
There are a few things – things to consider in determining health insurance are :
Cashless
With cashless, replacement claims are becoming easier. When you are hospitalized, you do not have to pay, but simply settle the bill by swiping the insurance card. There is no need to pay upfront, which then still has to be reimbursed to the insurance (reimbursement).
But unfortunately, this cashless should be a hospital that is already in cooperation with the insurer and put up the machine to swipe insurance cards. If not cooperative, although the insurance has a cashless claim system, you are forced to keep paying upfront and then settle with reimbursement.
Network with hospital area
One example of cashless insurance is that it cannot be claimed in a hospital that has no cooperation with such insurance. Therefore, choose insurance that has a network of cooperation with many hospitals. Make sure the hospital subscription (if any) in cooperation with the health insurance to be selected. So you can check first to your nearest hospital
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Proper ceiling and premium
Usually, the health insurance is chosen according to our wishes. If the scheme taken is lower, when later hospitalized, you will need to issue an additional fee to cover a deficiency that is not guaranteed insurance. But if it is higher, the fear of us is objecting to the insurance coverage that is owned. So you guys have to plan this very well.
Adjust the premium with the ability, don't even burden your finances. Must be ready to trade-off between premiums and ceiling. Although it is often not easy.
Pure Health Insurance
Choose a stand-alone health insurance, not a unit-link life insurance rider. In the unit-link, the premium will be divided for life insurance, investment and new health insurance. The portions for health are small, so you have to pay more for the higher ceiling. Not to mention, a number of unit-link fees are not small, which further reduce health premiums.
Premiums are intended solely for health insurance coverage and cost deduction is also not at the cost of the unit-link, so that the premium becomes cheaper or the value of coverage becomes higher. If you want proof, compare the value of coverage and the amount of premium between pure health insurance and health insurance that becomes a unit-link.
Prioritize inpatient
Health costs include outpatient and hospitalization. It is best to focus on insurance that covers the cost of hospitalisation because this treatment is the greatest cost. If you have more money, you can take additional outpatient insurance.
No Limit
There are limits or limits that limit the maximum number of health costs claimed. Generally, insurance applies two types of limit, first is the combined limit of all treatments and the second is a limit per treatment.
There are insurance that only use the first limit, some are only the second limit and some are using both limits simultaneously. We recommend that you choose insurance that applies the first limit, or in other words, does not limit the cost per treatment. This means that flexible policyholders have a variety of treatments during the total limit. Insurance that limits with the first limit and the second limit, of course, the least ideal.
Credit card Auto Debit payments
Although it seems convenient and usually a premium is paid, please be careful to make payments with the auto-debit credit card. If you are forced to use this method because insurance does not provide alternative payments, make sure you know when the payment starts and how it will be if you want to stop.
Do not take health insurance via telephone
Health insurance offers via tele-marketing began to emerge in plural. It usually works with credit card issuers. Related to a fairly complex product, such as this insurance, you should ponder, analysis and if you do research, before making a decision. Therefore, I do not recommend making an immediate decision when bidding by telemarketing.
Disease waiting period
Health insurance requires a waiting period, some diseases cannot be claimed for a certain period from the date of insurance validity. Ask the insurance of what the disease enters the waiting period and how long. This is very important
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Family Health Insurance
People take health insurance, not only for themselves, but also for families. It is therefore necessary to choose good and cheap family health insurance by paying attention to:
(1) Best health insurance for families;
(2) The family premium is cheaper;
(3) Cashless facilities for families;
(4) Good health insurance for children, because the expenditure of cost for the treatment of children is usually the greatest.
That's a little outline of things – things worth considering in determining health insurance