9 Strategies for Choosing the Right Health Insurance
The development of insurance shows a fairly high number in Indonesia, public awareness of the importance of protecting their health, life 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.
This is also certainly welcomed by insurance service providers, where they try to always innovate and produce a variety of new insurance products. This is done to meet all customer needs and also provide many options 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 creates a fairly tight business competition, so these companies are competing to provide the best service for their service users.
Here are 9 strategies for choosing the right health insurance
1. Understand the Need
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, so you can get the maximum benefit from using the insurance. Adjust the health insurance to the health needs of you and other family members, look at every service provided by the insurance company in detail.
2. Select Protection Type
In some insurance companies, you can choose certain protection services outside of the standard services they provide, this of course will be accompanied by the imposition of an additional premium fee. However, with this system, you can get a complete service that best suits you and your family's needs. Choose only services that are really needed, so that the amount of premium that must be paid can be lighter.
3. Make a Comparison
The large number of insurance service providers, of course, makes you have many options that can be considered. Do a comparison 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 Budget
Another thing that is no less important to consider is the financial budget you have for a health insurance service, don't let heavy premiums actually make your finances disrupted. Insurance is a fixed expense that will last for a long period of time (several years), so you can be sure that this expense 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 a simulation, you can measure your ability to pay for insurance premiums and determine what benefits you will get from the insurance because you have the opportunity to ask various information from the insurance company staff you meet.
5. Consider the Credibility of the Insurance Company
When making a decision about an insurance service provider, 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 future due to unprofessional actions from the company.
Search and collect accurate information about the performance and services of insurance companies, you can find all this easily on the internet or from friends or family who have used their services before. Make 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, you will often have difficulty understanding the contents of the policy in detail, this of course causes potential losses for you in the future. To find and make decisions about the most suitable and appropriate health insurance for you to use, then there is nothing wrong with asking for help from a professional third party, in this case commonly called a "broker". Insurance brokers will help you to analyze your needs and also choose health insurance services from an insurance company that is 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 to be paid is certainly lighter, when compared to the insurance system that applies one policy for each person. You can consider using health insurance services 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 Applied System
Basically insurance companies implement a cashless system (using participant cards) or reimbursement in their services. These two things will be very different and should be taken into consideration for you. In the cashless system you will find convenience when you need health services at the hospital, where you only need to bring and show your membership card when registering at the hospital. You also don't need to make a deposit if you are going to get inpatient treatment, so treatment can run quickly and easily.
Whereas in the reimbursement system, you are required to make a deposit when registering for inpatient care, and even you are required to pay off all medical expenses incurred at the hospital. After you finish getting treatment, you can make a claim to the insurance by including the payment receipt, this will certainly be very inconvenient, considering that you can get sick at any time and even when you don't have a number of costs 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 the number of their partner hospitals, the easier it will be for you to access them. That way you will have no difficulty in getting the health services you need. Make sure you choose insurance that has an extensive network and cooperation with many hospitals, especially for those of you who choose the cashless system because this insurance service only applies to hospitals that have cooperation with the insurance company you use.
Source: www.cermati.com