Health care costs today than just the doctor alone has cost a pretty expensive (to pay the doctor added with the purchase of drugs), especially if you should seek treatment and stay in the hospital. Medical costs are increasingly rising resulted in the family burden becomes very heavy if one of the family members attacked the disease.
Meanwhile, the unexpected, such as illness or accident is a common occurrence even if the timing is not predictable. Because it badly needed a plan to solve this problem or the problem carefully and wisely.
Unexpected Deal ready
Here's a true story that we write as an illustration. The husband, wife, call it Dicki and Dina had a baby who is very pretty with the name Alia.
Dicki and Dina are couples who live in the Jakarta metropolitan city that requires them to work together in order to meet all the needs of daily life. The couple lived in a housing on the outskirts of Jakarta.
Some time ago, the fruit of their heart disease that required to stay in the hospital because they have to undergo some tests and treatments internsif enough. Without realizing their child's stay in hospital for 1 week.
So they want to complete payment of their hospital bills surprised, why it costs so expensive? Up to Rp. 12 million? They were preparing an emergency fund but the amount is insufficient to pay all the hospital bills, so in order to pay the hospital bills they have to withdraw funds in their future.
This kind of thing we often hear. Not only must take the future savings, but instead there is a need to borrow them first to relatives because this form of expenditure is always ignored. How you can overcome problems like this? There are ways that our opinion can help you at least do not anticipate this in terms of financial availability for the things that are not unexpected. First to prepare an unexpected funds that you need to fill again when it is used and both with have health insurance. Both alternatives have advantages and disadvantages.
Unexpected funds and insurance
The first option is to spend the unexpected that you must specify the amount yourself. Of several books related to family finances in our opinion you should meyiapkan unexpected tactical funds ranging from 2 to 6 months of living expenses per month.
When the family monthly expenditure of Rp 5 million, then at least you have to set aside in savings of between Rp 10 million to Rp 30 million. Because of this requirement is the need for the unexpected, where events can occur at any time, the placement of a product that high levels of liquidity into our suggestions. For example, in the form of savings in which the decision can be made at any ATM with the current ease almost all banks offer these advantages.
You've set the size and has put in savings, if in the next month you should use it for unexpected needs such as repairing the house as much as Rp 2 million, then you should add back the amount of its original value. For example, USD 10 million is prepared to fund unforeseen circumstances. When you have used up USD 2 million then you should have budgeted funds to add back the total funds to $ unexpected. 10 million back.
Usefulness of these funds for a variety of unexpected expenses not only because of hurt, but for other needs such as, a leaky house repairs, car crash and others. The limitations of these alternatives to prepare for the unexpected burden of family health are funds available so that you depend with funds set aside for the unexpected.
Sometimes funds are not prepared enough to keep the rising cost of medical treatment, whether it is only to the doctor and to stay in the hospital. The advantages in this way is that you can determine the amount of money should you spend or you set aside. If not unlikely event of an unwanted or unexpected so that you have funds set aside to remain intact in number.
Alternatively you can do is to buy family health insurance. With this program you transfer the risk of the unexpected (illness) to a third party (insurance company) at a cost that should you spend each year in the form of annual premium which has no cash value or be lost or burned when not in use in the current year.
Health Insurance
Indonesian society in general have not seen the insurance especially health insurance as a necessity. Another case with American or European society that has seen health insurance as a necessity. Not only higher costs for medical care in the U.S. or Europe, but if no insurance it will be very difficult for them to get the best treatment is desired.
In general about health insurance is similar to the general asurasi where premiums are paid for one year can not be returned or burnt again during the year despite no claims. Some insurance companies give a refund of premiums paid when no klain for 1 year, although a small amount.
In Indonesia there are two categories, namely health insurance, health insurance, collective (group) and individual health insurance. Individual insurance usually diperutukan for families in which only a maximum of 5 individual members, father, mother of 3 children funds. Premiums must be paid relatively higher than the collective health insurance.
Meanwhile, the collective number of individuals who participate are usually older and premiums are paid less because of the risk of claims on the average by all individuals in the group. The greater the number of groups or members within a set of lower premiums to be paid.
Insurance Benefits
Health insurance is a type of insurance that maintain the availability of funds if the individual or family member stricken with the disease. All the needs of the doctor to have to stay in the hospital with a variety of needs such as, the cost of medicines in the hospital until the operation of all these things 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 insurance companies are:
* GP Consultations
* Providing referrals to doctors when necessary spesilis
* Consultation to a specialist
* The purchase of medicines in accordance with the list of drugs
* Supporting the diagnostic survey
In outpatient benefits have maximum limits the use of funds each year. Of the total cost of expenditures for outpatient care, in general at every insurance company requires the insured to pay 20 percent.
Labor benefits associated with the birth of a child, from the cost of normal delivery, delivery with additional tools and S-caesacea operations. For the benefits waiting period persalian there are usually up to 280 days. Each insurance company has a waiting period that limits vary.
As for the benefits of dental care consisting of prevention, basic dental care, dental care complex and the installation of dentures. For all treatments insurance companies typically limit the amount of the total cost that can be used per year. In the dental benefits are an obligation for the insured to pay 20 percent of the cost of treatment (same as outpatient benefits).
The third benefit of treatment as above, namely outpatient, labor and dental benefits are additional options you can take by following the basic program of inpatient benefits. So you can not just take advantage of outpatient only, labor only, or dental treatment without following the basic program of hospitalization benefits.
For the benefit of hospitalization which are the basic benefits that should be taken first, hospitalization benefits coverage in general is almost the same from the existing insurance companies. Benefits include:
* Cost of accommodation space
* Cost-ICU room accommodation
* Consult a doctor
* Consult a specialist
* Cost of surgery, complex, major, intermediate and minor
* Other costs hospitals include: the cost of drugs, lab tests and diagnostic* Treat the road 30 days before and after hospitalization
* Treatment at home
* Local ambulance service
* Treat emergency road accidents
* Treat dental emergency road accidents
* Compensation of death
The amount of coverage is dependent with the program you take, many insurance companies use the name or type of program is different. For inpatient premium amount to be paid annual visits of the high cost of accommodation in the hospital room you choose, for example, you choose accommodation costs with the cost Rp. 200.000 the following benefits following the prescribed program options. For the three additional programs, the premium must be paid for outpatient consultations based on the selected general practitioners, labor costs based on the desired natural childbirth and dental care in terms of basic care.
Insurance Claims
In case there are claims that wearing the insurance company reimbursement system (reimbursement) or the system provider. With the replacement system, the insured must spend the money to pay medical expenses which you can then claim (request a replacement) to the insurance company.
In this case the completeness of the letters of administration becomes necessary. Sometimes issues arise in the claims process is not complete because the required conditions. The length of disbursement tertantung claim with the insurance company generally ranges from 7 working days.
As for your provider's system does not spend a dime, you're only equipped health insurance membership card in order to obtain needed medical services. Surely in a hospital or clinic you have chosen previously.
With the replacement of the system you can go to any hospital. While the system provider, you must specify a hospital choices you want based on the hospital list in collaboration with the insurance company.
Perhaps the question arises, how much premium should we spend to have health insurance? Once again, the amount of premium or fees should you spend each year depends on the program you choose. Like the example above where you select the program inpatient accommodation costs Rp.200, 000, then the premiums will be calculated based on the cost of accommodation and age of the insured. The younger the age of the insured, the burden will be more affordable premiums.
Importance of Insurance
After learning the basics or general health insurance, shows that health insurance becomes very important for a family plan. Why?
First, the health insurance program, for sure you know the burden of expenditure that must spend a year to pay the premium without having to fear when one family member became ill.
Second, by choosing a health insurance program with the system provider, if one family member became ill then you do not have to bother with issues of money, because it was covered by an insurance company and you do not need to spend any money for hospitalization. With your outpatient required to spend 20 percent of the total cost.
As for shortcomings in terms of health insurance is still quite expensive for our society. Actually said it was relatively expensive, therefore we strongly recommend that you plan your family finances, so you can see the family's financial goals by priority.
When you participate with insurance companies that use the system provider, you can only choose a partner hospital of the insurance company. So who should be seen in this case is how many hospitals or clinics owned by a partner insurance company. The easiest option is to determine the nearest hospital to home and of course with the best quality.
So from this description we do hope you can see the importance of preparing or planning a fund unexpected or your health insurance program that protects families from financial hardship when the plague struck. Begin immediately. The younger you are the easier to follow and premiums must be paid also relatively cheaper. Hopefully useful.
