Choosing the Best Health Insurance. The development of insurance shows a fairly high number in Indonesia, public awareness of the importance of protecting their health, lives and assets is one of the factors causing this. People are now smarter and understand the benefits that can be obtained from an insurance service.
It is also certainly welcomed by insurance service providers, where they try to always innovate and give birth to a variety of new insurance products. This is done to meet all customer needs and also provides many choices that can be tailored to the interests and needs of each of their service users.
The number of companies engaged in insurance services is also very large, this of course makes a business competition that is quite tight, so that these companies are competing to provide the best service for their service users.
Carefully Choose Insurance
Currently there are various types of insurance that you can make as an option, this of course makes you have to be really observant in selecting and choosing one of the insurance services that will be used. One of the most widely used insurance services is health insurance, where the number of users is fairly high compared to other types of insurance.
When you decide to use health insurance services, it is certain that you must understand all the policies and rules set out in the insurance policy, this right will prevent you from various losses that may arise due to incorrect understanding of the contents of the policy issued by insurance companies. You certainly don’t want to experience this, right?
Although it looks the same, but every health insurance policy issued by an insurance company will have their differences and advantages. This is what you should look at before making a decision, where in many cases some customers feel disadvantaged due to lack of understanding and the provisions contained in the policy.
The following are some points that you can make as the right strategy in Choosing the Best Health Insurance:
1. Understand Needs
The main thing you need to do before choosing health insurance is to clearly understand the insurance needs that you will use. This will really help you to be able to find and choose the most appropriate health insurance for you to use.
That way you can get the maximum benefit from using the insurance. Adjust the health insurance to your health needs and other family members, pay attention to every service provided by the insurance company in detail.
2. Select the Protection Type
In some insurance companies, you can choose certain protection services beyond the standard services they provide, this of course will be accompanied by the imposition of a number of additional premium fees. But with this system, you can get a complete service that best suits your and your family’s needs. Choose only services that are really needed, so the amount of premium that must be paid can be lighter.
3. Do Comparisons
The large number of insurance service providers, of course makes you have many choices that can be considered. Make comparisons between one insurance company and another, this needs to be done carefully, so you can find the best health insurance service you want.
4. Adjust to the Budget
No less important thing to consider is that with the financial budget you have for a health insurance service, don’t let heavy premiums make your finances disruptive.
Insurance is a fixed expenditure that will last for a long period of time (several years), so it can be ascertained that this expenditure item will greatly affect your overall financial condition, because it needs careful consideration before you make a decision.
This can also be done by making a payment simulation, you can ask staff from the insurance company to help you do this.
By doing simulations, then you can measure your ability to pay for insurance premiums and ascertain what benefits you will get from the insurance because you have the opportunity to ask various insurance companies that you meet.
5. Consider the Insurance Company Credibility
When making a decision about the insurance service provider company, it is mandatory for you to see and consider the credibility of the company, this will help you to avoid a number of losses that could occur in the coming days due to unprofessional actions of the company.
Search and collect accurate information about the performance and services of insurance companies, you can find all this easily through the internet or from friends or family who have used their services before. Be sure to choose the best company services and have a high reputation and credibility in the community.
6. Use Third Party Services
When talking about insurance policies, then often you will have difficulty understanding the contents of the policy in detail, this of course raises potential losses for you in the future. To find and make decisions about health insurance that is most appropriate and right for you to use.
There is no harm in asking for help from a professional third party, in this case it is usually called a “broker”. An insurance broker will help you to analyze your needs and also choose health insurance services from an insurance company that is the most appropriate for you to use.
7. Consider Family Health Insurance
Currently there are insurance companies that provide health insurance services for families, where you only need to use one insurance policy for all family members. This is very effective and more economical because the amount of premium that will be paid is certainly lighter, when compared to an insurance system that applies one policy to each one person.
You can consider using a health insurance service with this system, especially if you and other family members really haven’t used health insurance services from any insurance company before.
8. Understand the System Applied
Basically insurance companies implement cashless systems (using participant cards) or reimbursements in their services. Both of these things will be very different and should be considered for you. In a cashless system you will find convenience when you need health services in a hospital, where you only need to bring and show your membership card when registering at the hospital. You also do not need to make a number of deposits if you will get hospitalization, so the treatment can run quickly and easily.
While in the reimbursement system, you must make a deposit when registering inpatient care, and even you are required to pay all medical expenses incurred in the hospital. After getting treatment, then you can make claims to the insurance by including the payment receipt, this will certainly be very inconvenient, considering you can get sick at any time and even when you do not have a number of fees to pay for treatment at the hospital.
9. Partner Hospital
Usually insurance companies already have cooperation with a number of hospitals they choose, the more number of their partner hospitals, the easier it will be to access them. That way you will have no difficulty in getting the health services you need.
Make sure you Choosing the Best Health Insurance that has an extensive network and cooperation with many hospitals, especially for those of you who choose a cashless system because this insurance service only applies in hospitals that have cooperation with the insurance company that you use.