Tips Choosing Health Insurance For Children
Preparing health insurance such as preparing umbrellas
before the rain, will be very useful if needed. There are still many people who
take care about health insurance, but many also care about and consider
important health insurance.
Health insurance is not only needed by adults, health
insurance is also recommended for use by small children. Some things you should
look for when choosing the right health insurance for your child:
1. Choose the
insurance that suits your financial situation. You do not have to force a vip
facility if you can only pay a premium for a 2nd class room facility
2. Check inpatient facility. Individual health insurance,
generally guarantees inpatient costs with details of room-per-night charges,
ICU rooms, doctor visits or specialist doctors, anesthesia docs, surgical
procedures, various treatments, diagnosis of physicians before and after
admission
3. For payment you
should choose who accept the payment system with the card and not the system
claims (billing) to facilitate you.
4. Check the completeness. Most health insurance only
guarantees hospitalization. Instead, choose a health insurance that also
guarantees outpatient and vaccinations for toddlers. Usually health insurance
with this facility has a more expensive premium
5. Ask references to people who follow the same health
insurance
6. Be careful with additional health insurance offerings
because not all insurance can be claimed 2 (two) times (office and additional
insurance alone)
7. Avoid choosing health insurance that requires you to seek
treatment in areas far from your residence to obtain the services of your
chosen health insurance.
The right choice gives a positive impact, so think carefully
before choosing health insurance for children.
HOW TO SET UP A CHILD
EDUCATION FUND
Preparing the cost of education is increasingly expensive to
make people inevitably have to be smart menyiasatinya. In order to remain able
to send a child in a school of good quality, consider the success tips Fauziah
Arsiyanti, SE, MM, Dipl. FP, consultant of First Principal Financial-Singapore,
to prepare children's education fund:
1.Menabung Early
Ideally, funds have been prepared since the child is still
in the womb. Because, when the child is born, many other needs that must also
be met. Preparing the cost early will be better (many) results, so the cost of
more expensive schools can be overcome.
2. Determine Child School
Decide where the child will be schooled. Having a specific
school goal is very important, in order to determine how much the cost of
education is needed, and how much money you and your partner must set aside or
tabungkan to achieve it.
3. Information Collection
Find out how much tuition is required for the education of
the child in each school level you and your partner want. So, you already know
how much it will cost when the time comes for the child to go to school.
4.Financial Condition
See thoroughly the current financial condition of your
family. Check whether you both have debts, both short and long term, how much
income and expenditure each month, and how many assets you have. From there, it
will be seen whether with a certain period of time, the savings will make it
possible to send children to school desired.
Do not forget, also adjust your desires and couples with the
ability possessed. If the ordinary financial conditions alone, should not dream
of being able to send children in expensive schools.
5. Investment Plan
Make a plan to prepare your Little Child's education fund.
To be more clear and feel the benefits of investment that you and your partner
do, consult this with financial planners. If you both want children to go to
Elementary School A, for example, you and your partner have to save a certain
amount each month for years.
Choose a financial instrument that can offset inflation, so
when the time comes for Little School to go to school, enough funds and not
"lost" by inflation.
6.Evaluation Routine
With the plan already made, periodically evaluate whether
the required funding is sufficient, and find out the reason if not appropriate.
The cause of the incomplete savings plan with the amount of savings, can occur,
among others, because you and your spouse are not disciplined to save or not
good at managing family finances.
7.Cost of School
When the child begins to go to school, the funds needed are
for basic fees, monthly school fees, and extracurricular expenses. Do not
forget, also calculate the inflation factor, so the increase in school costs
can be overcome. To be more secure, enter the range of 10-15 percent for this
one factor.
The amount of funds that should be set aside each month is
not the same for each person, depending on the conditions of each including the
destination school and the type of investor selected according to your style,
whether conservative, moderate, or aggressive.
8. Staying Saving
Even if you are not saving early, it's never too late! Keep
starting and saving spirit, though the results are not as good as starting from
scratch.
9.Niat and Discipline
Too late to save or not, obviously you must have great
intention to save. Apply the discipline of saving, working hard and not
lifestyle luxury so that a well-made financial plan is not in vain and can be
achieved. When you still have a wasteful habit, brake your shopping spirit. Do
not let, your child has a good talent but not channeled, just because you do
not have an unorganized financial plan.
10. Ordinary Conventions
Before having a financial instrument that will be used as a
tool to invest, you and your partner should have regular savings (in cash) in
the bank for emergency funds. For example, if one of your income is Rp 3
million per month and you both have a child, at least you should have a savings
amount of three times your income, which is Rp 9 million.
So, if something happens that will cost suddenly, it can
still be taken from the savings and the funds saved for the little one's
education will remain safe.
11.Double Cost
If you have two children who at the same time have to sign
up for a new school, it certainly costs double. All you have to do is save from
the beginning. See the distance after them, to determine the amount of savings
for each child.
If necessary, consult this with a financial planner, so you
both know how much savings to achieve, and can find a solution when the
financial condition changes.
