14 Guidelines for Choosing the Best Health Insurance in Indonesian
7 minute read
BlognyaTasriadi-Insurance, The health insurance advice provided in this article are critical to learn before purchasing an insurance coverage.
As we all know, one of the advantages of health insurance is that it provides peace of mind when faced with medical risks.
So, if we are not confident that the chosen insurance is the best answer, owning health insurance is pointless.
Health Insurance Buying Advice
So, how do you select decent health insurance? Here are some pointers.
1. Examine yearly premium pricing.
Health insurance premiums can be paid monthly, quarterly, semi-annually, or yearly. Depending on the chosen insurance company's coverage. When evaluating the cost of insurance premiums, the yearly premium should be considered. Don't be swayed by seemingly insignificant monthly premium figures.
2. Adapt to current medical circumstances
Health dangers can occur at any moment and to anybody. However, you may tailor your insurance coverage to your present health situation.
For example, if there is a family history of heart disease or cancer, you should look into critical illness insurance that covers a variety of critical illness risks.
In contrast, if you live a healthy lifestyle and are rarely sick, you can estimate that your worst-case scenario is hospitalization twice a year. Don't forget to factor in the hazards of surgery.
Then multiply by the current cost of hospitalization. This method, you may estimate the yearly limit value of insurance required in a given year.
3. Determine the insurance company's trustworthiness.
It is essential to evaluate the trustworthiness of the chosen firm while selecting decent health insurance.
For example, suppose you are interested in Prudential health insurance. Then you may look up the company's rating and ratings on reputable insurance websites like Sengeremmu.
Find out if the company has an official business license issued by the Financial Services Authority (OJK). Then, examine the company's annual report to see if it is reasonably healthy and capable of paying customer claims.
A high risk-based capital, or RBC, is one sign of a strong insurance firm. Simply expressed, this is a ratio that evaluates the amount of solvency of the insurance company's financial health.
4. Understand the policy's health insurance system.
Each health insurance business has a system or provision for several modes of operation. These words are usually spelled out in the insurance policy.
These are the guidelines for selecting the most significant health insurance, where you must be able to comprehend the requirements of the insurance policy.
For example, one of AXA Mandiri's health insurance policies covers medical treatments rendered overseas. While the Allianz health insurance you purchase does not cover abroad treatment.
As a result, it is critical to thoroughly research the policy before settling on such health insurance. If something is unclear, do not be afraid to question the agent or insurance broker who sells you the package.
5. Purchase health insurance while you are still healthy.
There is a word in health insurance called pre-existing condition. That instance, the firm does not cover ailments that occurred prior to being a customer of the insurance company.
Most private health insurance companies require pre-existing diseases to be disclosed.
As a result, while you are still healthy and illness-free, you should apply for health insurance right away so that no condition is included in the "exclusion" clause.
6. Purchase health insurance when you are young.
As you become older, your chances of developing health problems increase. This is why health insurance rates for the elderly are often higher than those for prospective customers who are still of working age.
As a result, if you do not want to pay high rates, you should apply for health insurance as soon as feasible.
7. The hospital cash strategy is not a priority.
Hospital spending strategy Insurance is a policy that provides reimbursement benefits depending on the daily compensation agreement specified in the policy.
Ibu Ami, for example, is a hospital cash plan client with an inpatient cash benefit of IDR500 thousand per day. Mrs. Ami was hospitalized one day, and the hospital charge for the room fee was IDR250 thousand each day.
So there is a IDR250 thousand surplus from the insurance payment payout that Ibu Ami can still get.
As a result, many individuals believe that the hospital cash plan is always lucrative. Actually, this is not always the case, because health insurance typically covers not only the cost of the hotel, but also physicians, medications, and other services.
As a result, if the chosen hospital cash plan just compensates for daily room charges, inpatient health insurance will be more profitable.
8. Examine the policy's hospitalization provisions.
Hospitalization conditions vary per insurance policy. AXA Mandiri health insurance, for example, covers inpatient expenditures after hospital bills (maximum annual limit).
There is a daily hospitalization coverage with BRI Life health insurance, which implies that if the hospital bills surpass the sum insured, you will be charged an excess.
As a result, while selecting medical insurance, you should carefully examine the policy's hospitalization provisions. If you are following the hospital bill, make sure the policy's yearly maximum is high or as needed.
Meanwhile, if you use the Daily sum insured, make sure it is not too low in comparison to current hospital charges.
9. Policy against double claims
If the first health insurance is insufficient, the facility permits clients to submit claims to two other insurance providers.
For example, if you have two insurances and need to be hospitalized for two days, the main insurance will pay IDR300,000 each day.
The problem is that the hospital costs IDR500 thousand every day. To compensate the gap, you might make a duplicate claim of IDR200 thousand every day in the second insurance.
Isn't it really useful? As a result, one of the most crucial insurance recommendations is to seek for packages that include a double claim coverage.
10. Selecting just health insurance
Actually, if we grasp the benefits and hazards, there is nothing wrong with unit link insurance. If you already have an investment, though, you should go with pure health insurance.
This manner, you can maximize your insurance and investment benefits.
Because when you enroll in unit-linked health insurance, the premium you pay is normally divided into 60% for investment and 40% for insurance benefits. As a result, you cannot obtain 100% of the benefits of insurance and investing.
If you must obtain unit-linked health insurance, search for ones that provide premium return advantages or no-claim bonuses. For instance, consider the AXA Hospital Plus Life unit link insurance coverage.
11. Choosing health insurance with a focus on family benefits
Perhaps, at first appearance, the option of Family Health Insurance has a high cost. However, when the cost of registering each family member for individual health insurance is included, Family Insurance is significantly less expensive.
As a result, consider getting family health insurance for your loved ones.
12. Select health insurance with a large network of partner hospitals.
When selecting health insurance, look at the insurance company's partner hospital. Check to see if the partner hospitals are widespread in your present location.
As a result, you will be able to more easily access and obtain health treatments in accordance with the terms of your insurance policy.
As an example, Cigna and BRI Life insurance firms have partner hospitals in practically every area in Indonesia.
13. Avoid insurance prices that are excessively low.
Cheap health insurance rates are not always a good thing. There should be numerous aspects to consider while selecting health insurance; you should not simply focus on low rates.
You may obtain health insurance rates of IDR50,000 per year, but the benefits supplied are so meager that it cannot be considered a financial solution while facing health hazards.
14. Speak with professionals
How to Select the Best Insurance Consultation with an insurance specialist is the simplest way to obtain the greatest health insurance.
Currently, several insurance firms or brokers provide free consultation services.
Sengeremmu is one among them, and you may describe your demands and budget to Sengeremmu insurance professionals. The Sengeremmu insurance consulting staff will then present a variety of recommendations based on what you can pick. Isn't it quite practical?
14 Guidelines for Choosing the Best Health Insurance in Indonesian
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