Tips for choosing the best health insurance

    Now let's talk more about health insurance. How to choose the best insurance according to the mechanism, content, budget and needs. You can understand it in a short time. Medical insurance is insurance that compensates for medical expenses when visiting a hospital or doctor.

Tips for choosing the best health insurance

 Tips for choosing the best health insurance

    Now, the main services actually consist of inpatient and outpatient care. What is the difference? Hospitalization means hospitalization by using a hospital room. Now this is usually used to treat serious illnesses, such as when you need surgery, need to spend time in the hospital, or have an accident and end up in the intensive care unit or emergency room.

    Second, when you go for outpatient treatment, go to a regular doctor. For example, if you have a fever or are mildly ill, go to your doctor and get a prescription for medicine. In addition to the two primary services, there is also the term ancillary services or riders, which include, for example, dental care, eyeglasses, maternity or pregnancy. This additional benefit is often misinterpreted as actually separate insurance.

    Whether you have dental insurance, eyeglass insurance, or maternity insurance, that means you have health insurance that gives you the added benefit of teeth, pregnancy, or eyeglasses. Well, insurance products rarely sell these benefits separately. It does exist, but is commonly found in the same products as health products. Currently, when purchasing health insurance, not all health insurance offers cover all of these services.

    That said, the better the cover, the more expensive it is, sure, but is it reasonable? But not all are perfect and all expensive things suit our needs. So when you get health insurance, do you first want to know which benefits are more important? Inpatient care is certainly a top priority when choosing health insurance. Inpatient care is usually the biggest cost factor.

    For example, when an accident occurs, or when you have to go to the intensive care unit in an emergency, when you need surgery, specialists, and various treatments lasting several days in the hospital. Therefore, inpatient protection should be maximized, second only to outpatient treatment. A visit to a specialist or family doctor should generally not be expensive. But if you do need to add outpatient services, the second consideration may be post-hospitalization. Other services such as dental care, glasses and pregnancy are certainly at the bottom.

    Why? Remember, the more coverage you have, the higher your premiums will be. Choose according to your budget and needs! All insurance policies must include an exception clause. This means things or conditions that are not covered by insurance. Well, there are some points to be aware of when it comes to health insurance, so let's take a look at them one by one. The first is Pre Existing Condition. This means your current status at the time you enroll in health insurance.

    Name insurance covers risks that have not yet materialized. Therefore, when we take out health insurance, there is already a risk in our coverage policy that is not covered by our insurance. As such, they are often asked to include proof of a medical examination or a statement that they are currently in good health. For example, if you purchase health insurance for maternity or maternity benefits, but not during or after pregnancy, if you purchase during or after pregnancy, maternity coverage will be covered for your next child. Not for the child we have now. The same applies to serious illness.

    Also, if you have health insurance and already have a serious illness, such as cancer or diabetes, that insurance does not directly cover the case you already have. Yes, but there are special conditions. That means an additional waiting period of about a year. This means that you cannot claim these terms until you have paid the premium for one year. In addition to previous illnesses, there are some other exceptions not covered by health insurance. For example, traditional or experimental medical procedures such as acupuncture, visits to shamans, and holistic treatments. Also, the treatment of serious illnesses is very special.For example, cancer treatment, dialysis, etc. Some insurance companies offer special products with such conditions. In addition, exceptions such as mental illness, neurosis, stress, depression and mental illness are not included in health insurance. In that case, treatment for sexually transmitted diseases such as HIV/AIDS will not be covered by insurance.

    It also does not cover injuries resulting from self-harm, attempted suicide, or any other behavior that violates the law. Treatments that serve cosmetic or aesthetic purposes, such as: B. Orthopedic surgery is also not covered by health insurance. Finally, health insurance also excludes medical care for injuries caused by extreme activities such as scuba diving, mountaineering, rock climbing, whitewater rafting, and other extreme sports. Please note that while the above exclusions apply to all health insurance plans, this does not mean they are all on the same terms. So you have to learn before you buy. What options do you have for insurance companies that offer health care products? You've heard of many insurance companies. For example, Allianz, Prudential, Manulife, AXA Mandiri, Cigna, Sinarmas, Lippo, Megalife, Generali. All of these can be found in the listing on our website lifepal.co.id. This means that we have many benefits as a customer as we have many options and can find one that suits our benefits and needs.How do I choose a trustworthy insurance company? Always safe! All insurance companies operating in Indonesia should be trustworthy as they are closely guarded by the Financial Services Authority.

    Insurance is basically like choosing a bank to use. Of course, we trust well-known brands and they already have a good track record. There are two types of health insurance claims, the first is non-cash. This means you will receive a card that proves you have health insurance. Just show this card when you go to the hospital or doctor. All post-treatment bills are linked to the insurance company, and we do not need to deposit any money. The second method is reimbursement by paying the full hospital bill and sending it to your insurance company along with a bill or proof of payment.

    The insurance will then reimburse these costs. Of course, the two methods differ in price. If you want to be practical, cashless health insurance products certainly make it easier, but more expensive. Why are some health insurance claims denied? Please remember that our policy is always valid. don't be late And only if it contains an invoice or proof that the document is incomplete. Also remember to ensure that any treatment or medical expenses we provide are covered according to the provisions contained in the policy.

    Just as credit cards work, insurance companies also have limits or so-called caps. Usually the first choice we need to pay attention to is the cost of the hospital room. For example, if your room limit is 1 million, that means your ownership is over 1 million. If you're a top-notch hospital, i.e. one room, or a maximum of two people, you need to know what your health insurance will have to cover or pay for. In addition to the room rate for the number of nights treated, an emergency room, medication, and maximum surgical costs are also usually specified. Now, if possible, you should choose health insurance that covers medical expenses according to your hospital bill.

    So you don't need to estimate how much you actually need. Insurance companies use several factors to calculate health insurance premiums. In general: Age, second gender, third the coverage or benefit provided, and fourth the medical history of the insured. This means that the greater the risk that the insured person can take, the higher the premium. After all, getting older certainly increases your health risks. As a result, health insurance is more expensive for older people than for younger people.

    For example, do you have health insurance, is your money burning? Well, health insurance is not an investment. In other words, costs, expenses. Minimize major risks with little effort. However, there are also many health insurance companies that offer no-claim bonuses. This means that if you do not file a health insurance claim within a certain period of time (usually one year), your insurance will be reimbursed. Either 20%, 50% or 100% of the premium we pay. Now the option is there.

    So why not just buy a policy that refunds your premiums? In general, policies that offer no-claim bonuses or premium refunds will refund premiums, but they are usually higher than policies that do not refund premiums. So we conclude how to choose health insurance according to our needs. First, make sure your benefit or insurance coverage fits our needs. The second exception is the one that doesn't exclude what you want. A third-party insurer must be reliable and have a good track record. The fourth is to go cashless as much as possible when necessary.

    The fifth limit or cap is based on the premiums we pay and our needs. Sixth, you can choose a policy that offers a premium return service. To get health insurance, be sure to purchase it from an authorized insurance company partner. Lifepal, for example, works with dozens of insurance partners to offer hundreds of the best insurance options. Visit the links below to find the best insurance that fits your needs and budget.

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