Health insurance can be a safety net when we are sick so the hard work has not depleted to finance medical care. For that enrich yourself with the types of insurance in accordance with the expected protection.
Health insurance continues to grow, there was a change cost critical illness insurance, critical to the early stages of the disease, or who simply ensures hospitalization only.
According Tejasari, financial planners Tatadana Consulting, ideally everyone have health insurance, even for children because of their tendency to get bigger hospital.
"In addition to more easily hurt, the mother usually easy to worry about their child's health. Fever 3 days usually immediately taken to the hospital," he said.
Currently there is insurance options combined with investment or popularly called unitlink. However, according to Teja, should we choose a pure health insurance. "Health insurance premiums are less pure and more precise benefits," he added.
Health insurance in Indonesia is currently mostly replace medical expense claims to the extent specified or agreed. Limit reimbursement could include the cost of room, doctors, medicines, and other medical measures, with limits per type of health care.
There are also health insurance only replaces the room at the hospital so that customers still have to pay for various medical procedures and drugs.
"You'd better choose to cover the entire cost of the expensive because it usually acts and drugs," said Teja.
Before determining the premium, Teja suggested that we conduct price surveys hospital room where we are headed when sick. "If he wants when we are ill treated in the class room first ya adjusted only premiums. If wanted in the VIP room, take a higher premium," he said.
Critical illness insurance
Besides hospitalization insurance in the hospital, is now also available insurance for critical illnesses, such as heart attack, diabetes, cancer, and many more.
According to Teja, critical illness insurance is usually not to replace the cost of hospital care. "This is the type of insurance policy pays for the insurance money so customers critical illness. Paid in full but after that it was not covered anymore," he said.
He argues, critical illness insurance is important for those in the family has a history of certain diseases. For example, if a parent, grandparent, or any relative who has cancer, then you should buy this insurance just in case. "Especially now inclined lifestyle is not healthy," he said.
Reimbursement or card
Reimbursement of health care costs generally consist of two types, namely through the reimbursement system or we pay once and then replaced the insurer, or by using cards.
"The system of reimbursement premiums are usually less expensive. Consequences but we have to pay first, while the card system everything is taken care of so we do not bother," he explained.
To prevent the occurrence of a claim is not paid, especially those wearing reimbursement system, Teja suggested that we ask the details of the insurance agent any conditions that are not covered by insurance.
"Do not forget to be honest, for example, if it is permitted not to say no because as soon as we entered the hospital on the grounds of our claim can not be paid," he said.
Health insurance continues to grow, there was a change cost critical illness insurance, critical to the early stages of the disease, or who simply ensures hospitalization only.
According Tejasari, financial planners Tatadana Consulting, ideally everyone have health insurance, even for children because of their tendency to get bigger hospital.
"In addition to more easily hurt, the mother usually easy to worry about their child's health. Fever 3 days usually immediately taken to the hospital," he said.
Currently there is insurance options combined with investment or popularly called unitlink. However, according to Teja, should we choose a pure health insurance. "Health insurance premiums are less pure and more precise benefits," he added.
Health insurance in Indonesia is currently mostly replace medical expense claims to the extent specified or agreed. Limit reimbursement could include the cost of room, doctors, medicines, and other medical measures, with limits per type of health care.
There are also health insurance only replaces the room at the hospital so that customers still have to pay for various medical procedures and drugs.
"You'd better choose to cover the entire cost of the expensive because it usually acts and drugs," said Teja.
Before determining the premium, Teja suggested that we conduct price surveys hospital room where we are headed when sick. "If he wants when we are ill treated in the class room first ya adjusted only premiums. If wanted in the VIP room, take a higher premium," he said.
Critical illness insurance
Besides hospitalization insurance in the hospital, is now also available insurance for critical illnesses, such as heart attack, diabetes, cancer, and many more.
According to Teja, critical illness insurance is usually not to replace the cost of hospital care. "This is the type of insurance policy pays for the insurance money so customers critical illness. Paid in full but after that it was not covered anymore," he said.
He argues, critical illness insurance is important for those in the family has a history of certain diseases. For example, if a parent, grandparent, or any relative who has cancer, then you should buy this insurance just in case. "Especially now inclined lifestyle is not healthy," he said.
Reimbursement or card
Reimbursement of health care costs generally consist of two types, namely through the reimbursement system or we pay once and then replaced the insurer, or by using cards.
"The system of reimbursement premiums are usually less expensive. Consequences but we have to pay first, while the card system everything is taken care of so we do not bother," he explained.
To prevent the occurrence of a claim is not paid, especially those wearing reimbursement system, Teja suggested that we ask the details of the insurance agent any conditions that are not covered by insurance.
"Do not forget to be honest, for example, if it is permitted not to say no because as soon as we entered the hospital on the grounds of our claim can not be paid," he said.
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