Choosing The Right Cashless Health Insurance
" Cashless health insurance " is a health
insurance that provides facilities for Hospital Partners (Provider) for the
participants so that if the participant must be treated in one of the hospital
partner then the participants will be treated in Class room in accordance with
the plan taken and no need to bother (which is usually quite burdensome to you
especially during times of emergency) plus the cost of doctors, medicines,
surgery and other costs borne by "cashless health insurance" until
the patient out of the hospital, as a participant of health insurance Your
cashless will be given a member card,, which is sufficiently shown to the
Partner Hospital.
So the next question is whether all the existing health insurance
card means is a cashless health insurance? of course not so, there are some
health insurance companies that give the card to its customers but if the sick
customer still have to pay all the hospital costs and then reimburge to the
insurance company, for that you as a potential customer must be careful and
careful before buying, make sure to your agent that is offered is a cashless
health insurance .
In cashless health insurance there are still some benefits
facilities and insurance coverage components that we need to know, because as
your customers deserve to get the best, for the following we will give some
tips to buy cashless health insurance:
1. Look for "cashless health insurance" with long
coverage period (up to age above or over 70 years) because your condition is
more vulnerable and requires relatively high cost for health care when you get
older.
2. Find a cashless health insurance whose minimum
hospitalization requirement takes less than 24 hours
3. Find the appropriate cost of the drug according to the
bill, it is necessary to remember every year inflation health costs are
relatively high
4. Find who is covered by the cost of general practitioners
and specialists who fit the bill
5. Find who is responsible for surgery costs and surgical
actions that fit the bill
6. Make sure the cost of medical consultations, medicines
before and after hospitalization appropriate bills for regular costs before and
after hospitalization is large and burdensome you later
7. Look for "cashless health insurance" with its
many provider hospitals and spread all over Indonesia
8. Ensure that your membership in cashless health insurance
can be extended no matter what your health condition is, meaning there is a
written agreement in the policy stating that your membership in cashless health
insurance can be extended
9. Buy health insurance in accordance with lifestyle, if you
prefer good room treatment facilities, it is advisable to buy products with
high benefits of the room
10. If you prefer to go abroad for hospital treatment, buy
the highest-profit product, taking into account the high cost of care abroad
11. To avoid overcharging the cost of maintenance use the
room in accordance with the classroom that is borne by the product you have
12. Choose health insurance that provides benefits of
hospitalization abroad including America, Canada and Japan
So some tips on buying " cashless health
insurance" this time, may help you who are still confused choosing a
cashless health insurance that is suitable for you and your beloved family.
