Is There An Ideal Health Insurance?
Everyone without exception should have health insurance that
will guarantee health or care costs when someone gets sick or has an accident.
Moreover, although we have maintained good health, the disease can come
unexpectedly. On the other hand, health costs continue to increase.
Almost 70 percent of Indonesians are self-financed by
doctors or hospitals. There are various reasons that make people are still
reluctant to take out insurance services, among others for fear of deceived
insurance agents, bother filed claims of treatment, as well as many who love
out of funds to pay for insurance.
According to Tri Djoko Santoso, a financial planner, health
insurance is included in one of the efforts to protect themselves and also
wealth. "There are so many diseases that can make a person poor because
they spend their wealth," said Chairman of the Institute of Financial
Planning Indonesia.
Health insurance is owned is pure health insurance, not
mixed with investment. It aims to obtain higher benefits. For example
reimbursement of hospitalization costs or larger surgery.
Tri Djoko added, an employee who has received health
insurance from his office should keep protecting themselves with health
insurance. "Insurance was no limit. Usually if one employee expenses too
high due to critical illness, the next year the insurance company does not want
that person to be included in the program, "he said.
Choosing the right insurance product is not a trivial
matter. It takes jelian and customer's precision because the purchase fund is
not owned by anyone else, but yours. Any losses or risks of purchase misconduct
are still borne by the buyer, not the other party.
To prevent losses due
to insurance, there are some things to consider potential customers, namely:
- It should be understood that insurance premiums are a
cost, not an investment. In other words, our money will be lost if during the
policy period we are healthy.
- Ask the insurance agent for details on each item listed in
the policy. For example, conditions of exclusion of diseases that are not
guaranteed, whether the insurance coverage includes outpatient services or only
hospitalization?
- Because of the cost, the prospective insurance buyer
should ask a friend or person who felt more understanding about insurance. Not
infrequently the explanation of the disease is written in English so it can
cause a wrong meaning.
- Also ask about the claim procedure. The faster and easier
the claim process, the better kuliatas bureaucracy insurance companies
concerned. That is why, note also the track record of insurance companies to be
selected.
- Convey honestly if you already have certain diseases
before the policy is applied.
