Tips for Choosing a health insurance

Tips for Choosing a health insurance - I became aware that many of the problems faced by people when choosing health insurance. This is not a user-friendly products such as gadgets, without the need to read the manual book, overnight wear can instantly. It is an insurance product that features and complex provisions.

I wish everybody in Indonesia could choose insurance products that benefit according to their needs. Not because of the choice of agent or inducement friend, but because it is the choice on the basis of an understanding of what he needs.  But, for that, they must know how to choose the good.

Meetings in the field I summarize, reflect back, and discuss with your friends - in the insurance, then pour in the tips of my essence choosing health insurance below.



# 1. The first tip: Ask a Health Insurance at Young Age

Increasing age, the risk of illness or death if higher? Of course, yes. It was already the law of nature.
Insurance companies take into account the health insurance premiums based on the law. Although healthy condition, the older age pay premiums more expensive than younger age. Age determines the level of premiums.
Therefore, the proposed insurance as early as possible. First, you save because paying health insurance premiums cheaper. Secondly, the risk is smaller disease when young, so the possibility of a greater insurance accepted.

Unfortunately, I see a lot of friends - friends who are still young and have sufficient income (to pay premiums) are reluctant to take out insurance. The reason, feel healthier and look at insurance as an expense. Do not consider something tangible insurance benefits, which can be seen and enjoyed (gadgets that tangible). It's certainly the wrong thinking.

# 2. The second tips: one policy for One Family

Those who are married, must have health insurance intended for more than one person. For example, I propose three members of a family - parents and children.

The question is, is it necessary to buy multiple policies for each - each member, or enough to buy a policy for all family members? What is the difference?

Buy one policy is cheaper than purchasing multiple policies for a single family. I had to check and compare multiple insurance premiums to be paid.

This is because health insurance, particularly in unit-link, is the rider (riders) from its primary insurance life insurance. By purchasing a separate policy, it means that all members of the family should buy life insurance. While perhaps only, not all family members need life insurance (ie only the main breadwinner in need, child or wife / husband does not need).


Therefore, you are better off looking for a health insurance policy that can bear one to one family. There Is? There Is. I've picked it up.

#3.  Third tips: : Note Terms Hospitalization 

Initially, I thought that I could be hospitalized anytime to make a claim to the insurance. In fact do not.

There are terms - conditions. Insurers set rules regarding hospitalization, as follows:

• Hospitalization should be done in a hospital. This means that if hospitalization in the clinic, the insurance company will not replace it. Verify with the insurance, what is the hospital.
• How long hospitalization be a requirement. There is a set one-day inpatient already be claimed, but there is that requires a minimum of 2 days of hospitalization. There are only in the ER (no need to enter the first room) for at least a few hours, it can be claimed for in the category of hospitalization. These requirements must be considered when evaluating insurance quotes. Ask the agent about the provisions of this hospitalization.

#4. Tips to four:  Ask a Health Insurance When Healthy

I never received an email from someone who wants to insure his mother, who was admitted to the ICU of a hospital on the outskirts of Jakarta. He admitted, "I just realized how important insurance after my mother in the hospital".

I replied, "Thank you for your consciousness. But, to my surprise, very small possibility of insurance companies will accept your application for health insurance mother. My advice, the better you are immediately take health insurance ". My email is not answered. Did not know he was disappointed or surprised on that answer.

5

In the health insurance provisions known that his name 'pre - exisiting condition'. Disease conditions that existed before you became a health insurance customers. Disease - a disease that already exists is generally not covered by insurance. Although, under certain conditions could have an insurance company willing to bear it.

The point is simple, ask yourself to insurance, when healthy. When already ill, very likely insurers reject your request.

Working in the insurance law is the law of possibility. Of each policy issued no possibility healthy customers, there is the possibility of customers sick. Where will customers, sick or not, nobody knows. Hence, insurance companies can operate and profit.

If customers received already sick, insurers must lose because of the cost of the hospital is greater than the policy premium. That's why insurance companies do not want to accept customers who are already suffering pain. They profit organization, not a social institution.

So, if you feel need health insurance, proposing today. Do not be put off. The sooner, the better because the less likely already have the disease, the more likely it is approved petition.

#5. Tips five:  Select Health Insurance, Not Cash Plan

A mother never send email to me show offers health insurance premiums that are reasonably priced. At that time, half of the premium that I had with the room conditions 1 million per day, while my insurance allotments 800 IDR per day. Insurance so I choose, look unattractive, premiums are more expensive and lower the room tariff.

Inquired have inquired. I know the reason, rooms 1 million per day the mother mentioned earlier is a type of insurance called a cash plan. Cash-plan is a type of insurance with benefits based on how long hospitalization. Eg hospitalized 10 days, insurance replacing 1 million times 10 days, which is 10 million. Without actually seeing again how the bill.

Meanwhile, good health insurance is based on the replacement cost of the bill - the cost of hospital care. No room charges, doctor's fees, cost of medication, lab costs, operating costs, the cost of specialists and others - others, where each - each has its own limit - yourself. So with this scheme, less likely to experience overplafond that requires us to spend its own to pay the extra costs that are not covered by insurance.

This illustration of how different health insurance benefits than cash plan.

It looks cheap cash plan with a lower premium. But if we count well, comparing premiums versus benefits, cash plan becomes expensive.

So cash plan should not be taken? May be taken. But, you must have health insurance must first change the details of a bill based on the cost of care in hospitals. Cash plan should be additional protection, for instance to replace the lost income (ie entrepreneurs) because they can not work during hospitalization at the hospital.

#6 .Tips to six: Pure Health Insurance

I once read a mutual fund analyst wrote in his column that he was 'forced' to choose the health insurance unit - link because there is no pure health insurance. In fact, he already has investments in mutual funds.

In the existing unit-linked investment portion, so that these observers who buy health insurance unit link is actually doing a waste because he already has investments in mutual funds. Better the money is used to increase its investment in mutual funds.

I'm not saying do not buy unit-linked. Not at all. Buy products that are appropriate to your needs, it is my message.

That is, if you already have an investment, for example in mutual funds, gold, property, why is it necessary to buy an insurance product that has an element of investment. Better to buy a pure health insurance products that do not have an investment element.

Pure health insurance premiums cheaper than unit-linked health insurance. Or if the premium equal, greater benefits in pure health insurance.

The message was clear. Buy products according to your needs. If it does not have investments, purchasing health insurance unit link is the one thing that can be done.

#7 . Tips To Seven:  Could Double - Claims

With government initiatives launched national health insurance program, almost everyone now has health insurance. Even so, many were not satisfied with the health facility and want to buy additional health insurance.

On the other hand, the hospital simply issued the original receipt. If so, the claim can not be done against the danger of additional insurance. How could take another insurer if so?

It does not need to happen if the insurer receives double - claim. That means one of the health insurers to accept legalized receipt (no need the original receipt) to pay claims. This makes the process of double - claim can be run.

Although currently only have one insurance, you have to anticipate that there is always a possibility to have other health insurance. Therefore, select insurance can receive a double - claim.

conclusion

Insurance is not user-friendly products such as mobile phone or tab. Moreover, health insurance. Definition of products is quite complex and many of his disclaimer. Unfortunately, many do not want to read the policies and learn to understand the definition of health insurance choices. As a result, the choice is often less precise (expensive premiums, benefits small and others - others), which led to complaints worth - drain when hospitalization claims were not replaced as expected.

I am grateful to my friends who had a lot of comment and enter to my previous article about health insurance. In addition to adding insight, I learned a lot about the problems - the problems faced by a person when looking for health insurance. Help avoid repeating that mistake, I summarize it all in seven tips on how to choose the right health insurance.

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