If you want to talk about health insurance you must know how to choose the best health insurance for your family, Here are the tips
With cashless, claim changes become easier. When you enter the hospital, you do not need to pay, but enough to bill by swiping the insurance card. There is no need to pay upfront, which then must be changed to insurance (reimbursement).
However, this cashless requires the hospital where you have dealt with the Insurance because the hospital must use and install the machine to swipe the insurance card. If it doesn't work, you have a cash payment system, you have to pay more and replace it with a replacement.
Broad Hospital Network
Cashless claims cannot be made in hospitals that do not have cooperation with insurance. Therefore, choose insurance that has a network of cooperation with many hospitals. Make sure the hospital is your subscription (if any) in collaboration with the health insurance that will be chosen.
Plafond and appropriate premiums
Ideally the health insurance ceiling is chosen as desired. If the scheme is taken lower, when you are hospitalized, you have to incur additional costs to cover deficiencies that are not guaranteed.
Of course, the height of the ceiling is directly related to the amount of the premium. The more expensive the price of a hospital room, the more expensive the premium. Adjust premiums with ability, don't even burden your finances. Must be prepared for trade-offs between premiums and ceilings. Although it is often not easy, because of health issues, such as choosing a hospital room, people are more emotional and tend to want to be comfortable and good, which implies expensive room prices.
Health costs include outpatient and hospitalization. We recommend that you focus on insurance that bears the cost of hospitalization because this treatment costs the most. If you have more money, you can take additional outpatient insurance.
Without Limit per Treatment
There is a limit or ceiling that limits the maximum number of claims for health costs. Generally, insurance applies two types of limits, first is the combined limit of all treatments and the second is the limit per treatment. For example, the first limit limits the combined maintenance costs of IDR 250 million a year, while the second limit limits the cost of surgical treatment to IDR 10 million a year, consultation fees IDR 10 million a year and so on.
There is insurance that only uses the first limit, some are only the second limit and some are using both limits simultaneously. We recommend that you choose insurance that applies the first limit, or in other words does not limit the cost per treatment. The point is that flexible policyholders seek treatment for various treatments as long as the total limit is still there. Insurance that limits the first and second limits, of course, the least ideal.
Pay attention to Auto Debit Credit Card Payments
Although it seems to make it easier and usually the monthly premium is paid (so it looks lighter), please carefully make payments with auto-debit credit cards (want to know how to manage a credit card, see here). If you are forced to use this method because insurance does not provide other payment alternatives, make sure you know when payment starts and how it works if you want to stop.
Avoid Taking Health Insurance via Phone
Health insurance offers through tele-marketing began to appear frequently. Usually in collaboration with credit card issuers. Related to products that are quite complex, such as insurance, you should reflect, analyze and if you have time to do research, before making a decision. Therefore, I do not recommend taking immediate decisions when bidding by telemarketing. I have experienced the quick and concise process of the bidding myself, so that a lot of detailed information cannot be delivered due to limited time. If you are interested and need time to think about it, you can ask the insurance contact number, which you can contact when ready.
Waiting Period for Disease
Health insurance requires a waiting period, some diseases cannot be claimed for a certain period from the date of insurance. For example, Cigna determined that the following diseases could only be claimed 12 months later, namely asthma; TB (Tuberculosis); kidney stones, urinary tract and bladder; high blood pressure (hypertension), heart and blood vessels; Diabetes (Diabetes Mellitus); Vertigo; and others. Ask the disease insurance what is the waiting period and how long does it take.