6 Types of Health Insurance and Tips for Choosing as Needed – Kuri007
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Kuri007 – One form of self-protection against illness or health problems is to have health insurance. Everyone is advised to have this type of insurance so that if in the future there is a health problem, all or part of the costs can be covered by insurance.
Unfortunately at this time not everyone can choose insurance according to their needs. So they should understand this type of insurance and some of the methods they choose.
For those who want to know more details about health insurance, please see the full discussion below.
Types of health insurance
Before discussing further about how to choose insurance, it never hurts to study the types first. As for health insurance, the types consist of:
1. Hospital insurance
The first type of health insurance is hospitalization insurance. The purpose of this insurance is to provide inpatient or hospital services. The owner of the insurance that follows will cover all costs incurred during this treatment.
This type of insurance is chosen by most people. In addition, they have problems with their health and have to undergo regular hospital treatment. In addition, hospitalization is also suitable for those who already have a rather chronic disease.
2. Outpatient insurance
Most people often choose outpatient insurance. For example, they have several types of illnesses that are associated with chronic health problems. This disease cannot be cured and must be treated for life, so it requires outpatient insurance.
This insurance is usually used every few months. When controlling for a new treatment, all costs incurred will be covered by insurance. Hence, one does not need to spend a dime for it
3. Group insurance
Group insurance is used to cover all the health care costs of a particular family or group such as a business. It can be group insurance in the family sector, everyone whose names are registered on the family card and also registered will be covered.
While group insurance owned by the company can be used to treat everyone who works there. Usually before the change is made, there will be a cover letter from the company so that the insurance company is willing to bear all costs.
4. Personal insurance
The next health insurance that is often used is personal insurance. In general, this personal insurance can only be used by one person. They usually follow the insurance independently and pay premiums periodically.
Because it is personal, insurance can only be used by those whose names are listed on the policy. If their name is not listed, it means they have to pay independently. This insurance is ideal for those who are not married or live alone.
5. Government insurance
Moreover, state insurance is issued by health institutions. This insurance usually covers all medical expenses both in hospital and outpatient. The type of state insurance known and available in Indonesia is BPJS Health.
Since it is a type of state insurance, everyone in the state must follow. Some follow independently and some follow with government subsidies. Then they can switch to the health facilities listed on the membership card.
6. Private insurance
In contrast to state insurance organized by state institutions. Private insurance is managed by a third party. This management is usually carried out by Indonesian-owned companies or insurance companies that already have many branches around the world.
Private insurance is also widely chosen although the cost is somewhat higher. However, this insurance is widely chosen because it often offers services that suit your needs and make it easier to manage the payment of different claims.
Tips for choosing health insurance
Insurance cannot be chosen arbitrarily. You need to pay attention to several things below so that this insurance suits your needs and does not cause harm.
1. Sign up for health insurance
Apply for insurance when you are in good health. Why is that? Because often patients who need a lot of new costs apply for insurance. Although it can not be done because each insurance has its own rules.
When the body condition is still healthy and there are no signs of any disease. It’s good to immediately apply for various types of appropriate insurance. This insurance can be modified according to the type of service and the amount of premium.
2. Apply immediately when you are young
Apart from being submissive when one feels no pain at all. They must also apply for insurance when they are young. This means that they do not need to apply for insurance when they are 40 years old or older.
If you are married or financially able, you can immediately apply for insurance. By doing this, you protect yourself so that all costs are covered when you suddenly get sick.
3. Not choosing a cash insurance package
Try not to choose the type of cash plan. The purpose of this insurance is to allocate daily hospitalization costs from a certain nominal amount. In addition, it will also be recorded only a few days in a year or a few months.
If you have to do hospitalization at a cost more than that. Like it or not, you have to pay the rest. Therefore, always choose an insurance that offers all customization or limited coverage.
4. Choose Double Claim Insurance
There are types of health insurance that can be double-claimed. For example, the hospital issued only one record. Moreover, the note can be used to file a claim on one of the insurance companies.
Fortunately, there are insurances that deal with multiple claims. Therefore, even though other insurance can be claimed, the insurer will still issue funds according to the amount of money a person spends when he is sick.
5. Do you have what you need?
Adjust to the needs that are owned at that time. For example, you often seek outpatient treatment because you have certain health conditions. Try reading insurance that will cover all outpatient costs.
In addition, you can also choose the type of inpatient insurance that is always needed. This need is also related to various types of diseases that will be covered by insurance.
6. Adjusting to financial ability
Adjust it with the financial capabilities you currently have. For example, you have good financial capabilities. You can choose insurance with relatively high premiums and the range of services offered is very large and varied.
7. Choose the type of family insurance
The last advice that should be given by those who will apply for health insurance is to choose the type of family insurance. By choosing family insurance, everyone in the policy can use the insurance when they are sick.
So every month, you only have to pay once and it can be used for everyone. This insurance is highly recommended for those of you who have quite a lot of family members. Moreover, there are family members who are susceptible to the disease.
From the reviews I read earlier, there are many types of health insurance. Starting from outpatient insurance to hospitalization. In addition, there is also insurance provided by the state such as BPJS Health which is mandatory for everyone.
Before choosing the type of insurance that best suits your needs. It’s always good to think about a few things. Someone listen to what insurance coverage is. In addition, it is also recommended to open insurance when your body is healthy.
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