Health insurance can be a safety tool when we are sick in order that we are not worried about the cost medical care. Therefore, we need to enrich ourselves with the types of health insurance in accordance with the expected protection. Health insurance continues to grow, there is a change fee of critical illness, insurance for the early stages of critical illness, or the only guarantee of hospitalization alone.
When completing the health insurance plans, every person should ideally have health insurance, including the children because of their tends to take the medical care in a hospital is larger. Moreover, commonly, the mother easy to worry about their children's health. For instance, when children gets fever 3 days, then a mother will directly take the children to the hospital.
Currently there is a choice of insurance combined with investment or popularly called unit link. Facing this case, we still should choose a pure health insurance, because the pure health insurance has a cheaper premiums and the benefits are more appropriate.
Health insurance is currently mostly limited to medical expenses claims to replace the specified or agreed. Limits reimbursement may include the room, doctors, medicines, and other medical measures, with a limit per type of health care. There is also the only health insurance reimburse hospital room just so the customer still must pay for various medical procedures and drugs. Therefore, it will be better to choose types of health insurance which cover the entire costs of medical care even though maybe will be more expensive because it usually cover all types of medical care costs.
Before determining the amount of premiums, it is suggested to conduct a survey for firstly about the rates of hospitals that will be chosen when we sick. If when we are ill and wont to be treated in the VIP room so we can take the higher premiums. Contrary, when we would like to be treated in the common hospital with common rates, so we can select the adjusted premiums.
In addition to hospitalization insurance at the hospital, is now also available insurance for critical illnesses insurance, such as for heart attacks, diabetes, cancer, and many more. Critical illness insurance is usually not to replace the cost of hospital care. This is a type of insurance policy pays for the insurance money so customers affected by critical illness. Paid in full but after that is not covered anymore. Critical illness insurance is important for those in the family have a history of certain diseases. For example, if a parent, grandparent, or any relatives who suffer from cancer, then we should buy this insurance as a precaution. Especially now lifestyle tend to be unhealthy.
Other things that should be considered in selecting the health insurance is about reimbursement and card. Reimbursement of health care costs generally consist of two types, namely through the reimbursement system or we pay first and then replaced the insurer, or by using cards. The reimbursement system is usually supported with cheaper premiums. But we consequently have to pay first, while the system is already taken care of all the cards so we do not bother.
To prevent the occurrence of unpaid claims, especially those wearing reimbursement system. It is suggested to ask for the details to the insurance agent what the conditions are not covered by insurance.
Finally, when selecting the health insurance, never forget to be honest, for example if we are smoking, then do not say no because as soon as we entered the hospital because of smoking impact, then the claim we can not be paid.
