Tips on choosing a good health insurance

By | September 7, 2018

Good health insurance is a product that is highly sought after by most people. Almost all insurance companies like AXA, Prudential, AIA, Zurich, has had health insurance products. The number of insurance companies in the world, as well as the varied types of good health insurance products, offered online as well as offline to the consumer. Consumers who do not understand the product is going to be difficult to determine health insurance what he needed and this tends to confuse the consumer.

Hopefully, this article can educate readers about health insurance.

Broadly speaking, health insurance has 2 types of benefits, including:

  • health insurance with benefits compensation
  • health insurance benefit payment in accordance with Hospital Bills

 

Maternity benefit

On health insurance with benefits compensation, the insurer will only pay a nominal stipend accordingly agreed in the insurance policy. Most cases it is the Policyholders just knowing that health insurance Cashless nature owned without knowing how the nominal of each medical action and room rate inpatient rooms.
Usually, health insurance with benefits maternity benefit has premiums more affordable compared to health insurance benefits in accordance with the Bill, so most people use health insurance with benefits compensation for supports health insurance which is already provided by the company.

Mr asmur works in the company. The company has been providing health insurance benefits to host Asmur with the method of claim in cashless with class 2. But Mr asmur would like to get more benefits such as room VIP room with VIP amenities in it. Finally the master of asmur decided to purchase health insurance with benefits compensation to support health insurance had been provided by the company so that the master of the Asmur can use the VIP facilities as well as more private rooms.

On health insurance with benefits compensation also has the inner limit. Further explanations about the Inner workings of the Limit will be discussed in this article.

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Fit the Bill

On health insurance benefit payment in accordance with the Bills of hospitals, the insurer will pay the hospital bills directly, so that Policyholders do not need to worry against the nominal amount will be billed by the hospital when the actions and processes medical care refers to the terms and conditions set forth in the policy.

Usually, health insurance benefit payment in accordance with Hospital Bills has more expensive Premiums of health insurance with benefits compensation.

Sorry, but the health benefits of up to 10 Billion dollars per year is excessive for me impressed “

I often come across statements like the above. But the fact is, a good health insurance is not purchased to be the solution in the present, but also the present and the next. Some people buy insurance in anticipation of minor illnesses such as typhus, dengue fever, and other seasonal illnesses. While others buy health insurance as Maestro Optima Care to anticipate severe disease treatment requires no small amount of money, such as:

Cancer
Heart Disease
Diabetes
Stroke
Kidney
and other chronic diseases.

Have you ever calculate how much it costs is needed to install the ring on the heart? 

There is no right and wrong in the context of insurance. The right insurance is insurance that answers your problems and be the solution for you and your family.

That is why it is highly recommended for Policyholders to know and understand the content of the policy that has been signed and agreed upon by both sides, both the policyholder or Insurer (insurance company).

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What is the Inner Limit?

As the name implies that the Inner meaning “in” and “limit” means the Limit, health insurance with benefits compensation generally have Inner Limit or restrictions in the health insurance policy. Some Inner Limit includes:
  • The maximum number of days undergo hospitalization for a period of 1 year.
  • The maximum number of days undergoing ICU hospitalization for a period of 1 year.
  • The maximum rate for doctor visits per day for a period of 1 year.
  • The tariff maximum desirable spaces per day.
  • The tariff maximum ICU nursing room per day
  • and the Inner Limit of other appropriate Policy respectively.
Before buying health insurance, it’s good to ask this consumer Agency so that consumers get information as a material consideration in determining the sort and a good health insurance for himself and family.

Where is a good health insurance between the benefits compensation with appropriate benefits Bill?

Both certainly have plus-minus respectively and we cannot determine where a great health insurance just by looking at the health insurance benefits. Good health insurance is health insurance that fits the needs of consumers and is the solution of financial planning consumers.
The claims, health insurance has a nice way of doing each and fulfills the claims, namely:
  • Cashless
  • Reimbursement

Cashless and Reimbursements; where the most good?

Both certainly have plus-minus respectively and we cannot determine where a great health insurance just by looking at how to make a claim.
Health insurance also has a different allocation – different. When you’re single and have no dependents, you certainly want to buy individual health insurance. When you have a family and have dependents, you might want to buy family health insurance. Next, you can search for health insurance products with the claim in accordance with the method of hope, good Cashless or reimbursements.

Note the coverage area

The product has a health insurance plan or packages which you can choose according to your needs. Starting from America, Europe, Asia, and all over the world you can choose according to your needs and mobility.
If you frequently visit neighboring countries like Malaysia and Singapore, sure you will choose health insurance which guarantees the two countries.

Consider the benefits of inpatient and outpatient

In medical terms, inpatient treatment or healing is a process that requires you to be in the hospital and undergoing treatment. When the condition has recovered, doctors and hospitals will allow you to go home and undergoing outpatient. Outpatient treatment or healing is a process where you do not need to be in the hospital to undergo the treatment/healing process. The outpatient process generally performed with:
  • Taking any medication – prescription drugs is appropriate.
  • Control to the hospital within a certain period.
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Before you buy health insurance, ask if the health insurance product offered guarantees of benefits inpatient and outpatient as well as how the mechanism of his claim?
After acquiring the information above, you can then specify and buy a good health insurance for you and your family.
Congratulations do survey!

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