How to Choose the Best Health Insurance For You

How to Choose the Best Health Insurance For You

Health insurance is one of the most sought-after insurance people. How do I choose to get the best health insurance? Many of the problems faced when choosing health insurance.
Insurance is not user-friendly products such as gadgets, without the need to read the manual book, overnight wear can instantly. Insurance is a product that features and complex provisions. It takes understanding and foresight when choosing health #asuransi. So that selected the best products, best suited to the needs of the participants. Not because of pressure or inducement agent friend.
To be able to select and evaluate properly, participants need to know first how to choose the best health insurance. Here are a few tips that you can follow. Hope you can help.

1. Wearing Cashless Systems
Is a cashless system of reimbursement claims using the card. By showing cashless card, health insurance participants do not have to bail out the payment of hospital bills when hospitalized. This cashless different from the reimbursement system. With reimbursement, the participant must pay the bill first and then apply for reimbursement to insurance.
M any experience shows the reimbursement process is not practical. Therefore, a cashless system is preferable. Search using cashless health insurance. If the insurance only provides reimbursement system, be sure to understand the process in the future should claim hospital bills.

2. Received By All Hospitals
Make sure any hospital that accepts the claim of the health insurance. Find health insurance can receive claims from all hospitals at home and abroad. Normally the health insurance already has a list of hospitals that cooperation with them. The more the better cooperation.
Due to a cashless system, described in the previous point 1, can only be used in hospitals that have partnership with the insurance. Cashless system must be followed by the number of hospital cooperation much so that optimum benefits.

3. Family Health Insurance
Choose an insurance company that provides family health insurance. What does it mean? When one family, for example, 3 members, filed then only needed one health insurance policy. All the family members included in a family health insurance policy. With only one policy for one family, the premiums will be much cheaper, than each member must buy a policy on their own.
For example, this is the real case, there is a family of 4 people. They filed a class-room health insurance 500 thousand. With family health insurance, total premium is $ 20 million a year. While, if you buy their own policies, total premiums for 4 people is $ 48 million a year.
To know more, for example, read an example of how the Family Health Insurance. What is important when looking for health insurance, you should take that could make one policy for one family.

4. How Replacement Claims Works
Generally, there are two types of replacement, namely:
Firstly, reimbursement is based on a bill the cost of care in hospitals. Health insurance set a separate limit for the room charges, doctor's fees, cost of medication, lab costs, operating costs, the cost of specialists and others. With this scheme, participants will not experience overplafond (which replaced the smaller of the bill) so it should menombok of its own money.
Second, daily hospitalization (cash plan). This type does not see how the bill from the hospital. When sick, the amount of reimbursement from insurance fixed amount, that is equal to the daily compensation multiplied by the number of days hospitalized. The risk is that the participant must spend alone if a large bill.
Both types have advantages and disadvantages. The second type is usually the premiums are relatively inexpensive compared to the first. Most importantly, when there are proposals offer health insurance, you understand the type of replacement which are offered. So they can make decisions correctly.

5. Terms Hospitalization
Note hospitalization requirement imposed by the insurer. See details in the policy or ask your agent when it submitted a proposal to you.
Many think that every hospitalization it will definitely replace health insurance. True but no terms. These requirements are necessary to find out because it can vary from one insurance company to another.
The important thing to ask is as follows:
 Hospitalization should be done in a hospital. If hospitalization in the clinic, the insurance company will not reimburse. Make sure the insurance side, what constitutes hospital.
 How long hospitalization is required in order to claim insurance to eksehatan. There is a set one day of hospitalization can be claimed, but there is that requires a minimum of 2 days of hospitalization. There are only in the ER (no need to enter the first room) for at least a few hours, it can be claimed, there is not.

Conclusions:
Health insurance is an insurance product that is quite complex because many of its provisions as well as the disclaimer. Unfortunately, many do not want to read the policy and lazy to learn to understand the choice of insurance products. As a result, the choice is often less than optimal (expensive premiums, benefits small and others), which led to complaints useless when inpatient claims were not replaced as expected.
Prospective participants should understand and study it carefully. If possible many read reference in order to get the best insurance options.