Insurance
Tips for Choosing the Best Health Insurance that Fits
Tips for Choosing the Best Health Insurance that Fits
Understand the various types of health insurance
Choosing the right health insurance is an important thing that everyone should know. Because, the benefit of health insurance is to provide a sense of silence when experiencing medical risks. Immediately, if we ourselves are not sure that the selected insurance can be the right solution, of course ownership of health insurance is useless.
Therefore, you should not just choose and know how to choose the best health insurance that fits.Watch the following video and see the full details:
list of contents
Compare Annual Premium Prices
Adjust to the current state of health
Find out the Credibility of the Insurance Company
Understand the Health Insurance Method in the Policy
Buy Health Insurance When Still Healthy
Buy Health Insurance When You Are Young
Hospital Cash Plan Offer Not Priority
Check for Hospitalization Provisions at the Police
Double Claim Policy
Choosing Health Insurance is Actually Pure
Choosing Health Insurance with Consideration of Family Benefits
Choose Health Insurance with Wide Partner Hospitals
Be careful with insurance premiums that are too cheap
Do a Consultation with the Experts
Compare Annual Premium Prices
The payment period for health insurance premiums can be carried out monthly, quarterly, semi-annually, or annually.Depends on the policy of the selected insurance company. Well, when comparing the price of insurance premiums, you should look at the annual premiums. Don't just be tempted by the monthly premium figures that seem small.
Adjust to the Current Health Situation
Actually, health risks can come at any time and to anyone. However, to choose the right insurance benefits, you can adjust it to your current health condition. For example, if there is a history of heart disease or cancer in your family, you should look for health insurance that covers the risk of critical illness.
On the other hand, if you have a healthy lifestyle and rarely get sick, you can estimate the worst chance is experiencing the risk of being hospitalized twice a year.Do not forget to also calculate the risk of surgery.
After that, calculate the current hospitalization rate. That way you can know the amount of insurance annual limit scores needed in a year.
Find out the Credibility of the Insurance Company
In choosing health insurance it is really important for you to also ensure the credibility of the chosen company. The method is easy, for example, if you are interested in Prudential health insurance.Therefore, you can find out the company's ratings and reviews on trusted insurance websites such as Lifepal.
Apart from that, also find out whether the company has a valid business license recognized by the Financial Services Authority (OJK).Then, also study the company's annual report whether it is healthy and capable of paying customer claims properly or not.
Understand the Health Insurance Method in the Policy
Each health insurance company has a method or provision of a different work system.Such provisions are usually clearly written in the insurance policy.
For example, one of AXA Mandiri's health insurance policies provides coverage for health services to reach overseas.While the Allianz health insurance that you choose does not cover treatment with international coverage.
Therefore, it is very important to study the policy well before deciding to choose health insurance for that matter.If something is unclear, don't hesitate to ask the agent or insurance broker who offers you the product.
Buy Health Insurance When Still Healthy
In health insurance there is a term pre-existing condition. That is, the company does not bear the disease that has been suffered before becoming a customer of the insurance company.The pre-existing condition stipulation is usually legalized by most private health insurance companies.
Therefore, while you are still healthy and have no disease, you should immediately apply for health insurance so that there are no variations in the disease that are included in the "exception" clause.
Buy Health Insurance When You Are Young
The older you get, the higher the probability of suffering from health risks.This is the reason why health insurance premiums for the elderly are usually more expensive than prospective customers who are still of productive age.Therefore, if you do not want to pay expensive premiums, you should then apply for health insurance as early as possible.
14 Tips for Choosing the Best Ideal Health Insurance
Hospital Cash Plan Offer Not Priority
Hospital cash plan insurance is an insurance offer with reimbursement benefits according to the daily compensation agreement listed in the policy.For example, Ms. Ami is registered as a hospital cash plan customer with the benefit of inpatient cash compensation of Rp.500 thousand per day.One day, Ibu Ami had to be hospitalized and the hospital bill for the room rate was IDR 250 thousand per day. Therefore, there is a surplus of IDR 250 thousand from the insurance cash compensation that Mrs. Ami can consistently find.
That's why many think that the hospital cash plan will always be profitable. In essence, not always, because health insurance usually covers not only room rates, but also doctors, drugs, and so on.
Therefore, if the selected hospital cash plan only provides daily compensation for room rates, of course inpatient health insurance will be more profitable.
Check for Hospitalization Provisions at the Police
Each insurance policy has different hospitalization provisions.For example, AXA Mandiri's health insurance covers hospitalization rates according to hospital bills (optimal annual limit).Meanwhile, BRI Life health insurance has daily inpatient coverage, which means that if the hospital rate exceeds the sum insured, you will be subject to excess.
Therefore, when choosing health insurance, you should carefully read the provisions of hospitalization in the policy.Make sure that if you follow the hospital bill, the annual limit of the policy is too high or appropriate for the need.Meanwhile, if you apply the daily insurance policy, you should choose one that is not too low or compared to the current hospital rate.
Double Claim Policy
Double claim is a facility that allows customers to submit claims to two different insurance companies if the first health insurance is not sufficient.For example, you have two insurances, then you should be hospitalized for two days and the sum insured provided by the main insurance is IDR 300 thousand per day.
It's just that in reality the hospital rate is Rp.500 thousand per day. Well, therefore you can submit a double claim of Rp. 200 thousand per day on the second insurance to cover the shortfall Very helpful, right? That's why you should look for insurance that has a double claim policy.
Choosing Health Insurance is Actually Pure
Actually there is nothing wrong with unit link insurance if we really understand the benefits and risks. But, if you already have an investment, you should choose pure health insurance.With that, you can find insurance and investment benefits optimally.
Because when you register with unit-linked health insurance, the premium you pay will usually be divided by 60 percent for investment and 40 percent for insurance benefits. So you can't find insurance and investment benefits 100 percent.
But if you still want to have unit-linked health insurance, you should look for one that provides premium return benefits or a no claim bonus.For example, an alternative to the AXA Hospital Plus Life link unit insurance policy.
Choosing Health Insurance with Consideration of Family Benefits
Maybe if you look at it at a glance, family health insurance options have expensive premiums. However, if it is calculated with the rates for registering each family member to individual health insurance, family insurance is actually much cheaper. Therefore, consider having family health insurance for loved ones, yes.
Choose Health Insurance with Wide Partner Hospitals
Tips for choosing health insurance, also find out which insurance company partner hospital you choose. Make sure the partner hospital is widely distributed in your current address area.That way you can more easily access and receive health services according to a policy agreement.
As a recommendation, Cigna and BRI Life insurance companies have partner hospitals that are widely spread in almost all parts of Indonesia.
Be careful with insurance premiums that are too cheap
Cheap health insurance premiums are not always good.In choosing health insurance there should be many elements to consider, you should not just concentrate on cheap premiums.Maybe you find a health insurance premium of Rp.50 thousand per year but the benefits provided are very small, so it cannot be a financial solution when experiencing health risks.
14 Tips for Choosing the Best Health Insurance that Fits
Do a Consultation with the Experts
The easiest thing you can do to get the best health insurance is to consult with an insurance expert. Currently there are many companies or insurance brokers that offer consulting services free of charge.
One of them is Lifepal, where you can explain your needs and budget to a Lifepal insurer. Then, the Lifepal team will give you a suitable recommendation option that you can choose from. Very practical, right?
What are you waiting for, find out more fully about various other insurance benefits.Let's visit Lifepal now!
Editor :Tim NP
Source : Axa
