Health Insurance is Very Important

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By nisya

Published: August 23, 2009

Many people think so and we may include one of them. However, ever crossed our minds, what would happen if the accident and illness came suddenly and we had to be hospitalized? We may have to pay the costs of expensive medical treatment until the savings drained, and this of course is not a situation we expect to happen. On the contrary, would not be very helpful if we already have health insurance that can help us in paying medical expenses? More so for us now that the health costs are increasingly expensive. Paying the doctor, buy medicine, hospitalization are some examples of costs that must be paid when you or a family member became ill.

Fortunately, working in a company or agency that already has health insurance programs, so minimal, partly because of disrupted health risks can be assisted by the health insurance program. What if companies do not provide such facilities? Or you an entrepreneur? Let’s not hesitate and start planning to buy health insurance. With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty that we make in managing expenses and reducing costs is not unexpected.

There are two types of health insurance, health insurance is a collective (group) and individual health insurance. Individual insurance is usually reserved for personal or family, while the insurance collectively as found in many companies already provide health protection to employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why? Because of the collective, then the number of individuals or participants who had greater risk of a claim that can be evenly by all individuals in the group. The greater the number of groups or members within a single institution or company, the lower the premiums are actually paid.

Benefits

Health insurance is a type of insurance that helps the availability of funds if the participant’s health insurance or health problems attacked by the disease. All the needs of the doctor, stay (care) in hospitals, the cost of medicines in the hospital until the operation, all that can be covered by insurance companies. In general, type of treatment or programs that are available are the benefits of outpatient (Outpatient), hospitalization benefits (Inpatient), labor benefits and dental benefits.

In general, outpatient benefits (Outpatient) are borne by the insurance company is like a GP consultation fee and / or specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In outpatient benefits have maximum limits the use of funds each year. While inpatient benefits that can be enjoyed by the participants of health insurance is like a hospital expenses, laboratory costs, delivery costs, emergency service costs (emergency). Dental benefits of prevention, basic dental care, dental care complex, and the installation of dentures.

Third-care benefits, ie outpatient care, childbirth, and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of all outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.

The amount of premium to be paid and the amount of value in health insurance coverage is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary with the details of benefits also varies. Usually, insurance companies limit the amount of the total cost that can be used per year.

The system claims / replacement system

The system used by health insurance companies there are 2 of the replacement system (reimbursement) or the system provider. With the replacement system, insurance participants have to spend money first to pay medical expenses which then can we claim or request a replacement to the insurance company where we become participants of insurance. With this system we are free to choose which hospital course, but the maximum reimbursement would have been determined in advance. That need to be our primary concern is the claim of completeness of the letters of administration which became the main requirement for the reimbursement of our costs can be paid out by insurance companies. How quickly the claim disbursement depends on the services provided by insurance companies, but generally range from 7 working days.

For those who embrace the system provider, we do not need to spend money first. We are only provided with health insurance membership card in order to obtain needed health services in hospitals or health clinics that we selected earlier based on a list of hospitals that work with the insurance company.

Choosing health insurance

What kind of health insurance that we need to look at and we choose? Here are some tips that may help us in choosing health insurance

Principle carefully before buying. As health insurance applicants, we are entitled to get the right information, clear and honest about the terms / conditions stated in the insurance agreement. We should first read the instructions, information, and these procedures carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn good agreement with that can make the right decisions. Given the usual clauses or articles written in small letters under the agreement document and use the term that is sometimes difficult to understand layman, then we should be diligent in asking to avoid conflict in the future as a result of the difference between our interpretation as a participant, or insured by the company insurance or the insurer.

Choose a trusted insurance companies and have a product and good service. Try to compare with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose which suit their needs and our ability to pay premiums.

If the company where we work do not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company. This will benefit because the premium paid would be lower if a collective, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group.

When we contemplate for a moment then came illness or accident is a common occurrence, although the timing is not predictable. Therefore, urgently needed a plan to prevent and resolve the issue carefully and wisely. The principle of “willing umbrella before it rains” can be done, one way to have health insurance. So hopefully useful!

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