Choosing Smart Health Insurance

Do you feel it is important to have health insurance? It may be that most of us would answer no.

In fact, if a member of our family who is ill and must be treated in our hospital had felt the importance of having this insurance. Because the illness much less severe illness, but the body must suffer, bag, too miserable.

Life Insurance and Health Insurance is required primarily for self-employed and informal workers who do not have health insurance from a company or government agency.

A self-employed if stricken ill or disabled because of an accident will have a lot of financial losses because they have to bear the cost of treatment and can not work for a living.

Others as if someone working in a company or government employee, they usually get health insurance that will cover the cost if the hospital and paid fixed monthly salaries.

The most important thing is, before determining what health insurance products, from which the insurance company, it is advisable to compare different products, types of products from several insurance companies.

Do not rush to buy insurance products without a clear understanding of rights and obligations if we take an insurance product. Here are some tips you can use as a consideration:

• Determine the benefits of whatever protection we need, for example hospitalization benefit and critical illness, because this is what causes us to spend large sums of money, because the period is difficult to predict. Or, provide outpatient benefits if in the last 1-2 years we often went back and forth to the doctor. Usually, health insurance is also attached to life insurance.
• Look for information of insurance products as needed, by collecting brochures from various companies or websites to find information on insurance companies,
• Ask your agent in detail about the product as a whole until details of the calculation of the allocation of funds we pay for anything,
• Do not believe all health insurance agents say, because they are not necessarily well understood by the products they offer,
• Ask for an illustration made health insurance product benefits, the premium must be paid and the allocation of premiums paid wherever
• Learn the contents of the illustrations in the house with a relaxed and thoroughly, do not rush to conclusions, ask a better idea if there is not yet clear
• Compare products from the various health insurance companies, which provide the greatest benefit with the least expensive premiums, but also find out whether the company info bona fide or not
• Do not just BASED on the best insurance award from a magazine, but you should really know how to calculate the insurance costs
• Determine the insurance product after all you really understand
• After determining and deciding to buy a health insurance product, we will accept the insurance policy that contains a binding agreement between the customer and the insurance company. Learn more policy content, customers are usually given a 14-day opportunity to cancel the policy.

Remember, do not be fooled by an insurance product "Do not buy Life Insurance and Health Insurance Unit Link associated with investment". Trust unit-linked products very expensive the cut, you better take health insurance and pure and invest money into Mutual Funds separately.

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TRICK RISK THROUGH HEALTH INSURANCE

Before determining what insurance is selected, the first step of his seyogia do is determine the needs. Of the three types of insurance above, determine the appropriate level of preference your condition. In general, in developed countries the first priority is to follow the health insurance. The reason, because when you are sick, the cost may not be less. If only you worked at a company and the company is providing facilities of health costs, its value may not suit your needs.

Especially if you have a certain lifestyle. If you are experiencing hospitalization, for example, you may want to be treated with first-class facilities, and facilities provided the company only second-class facilities. To menyiasatinya, you can follow the health insurance program that benefits tailored to your needs.

In reality, most people simply did not have any health facility. So when sick, all should bear their own costs. For circles like this, of course, health insurance ought to be an absolute thing, because no one knows when the risk of pain to come even if you maintain good health. Therefore, health insurance can be considered to have.

The question is, what kind of health insurance are eligible to choose? now, other than a direct quote from health insurance companies, quite a lot of health insurance offered through penyelengara credit card (issuer). So, the card holder is offered "benefits" of health insurance and the premiums langsug charged to card holders via credit card.

There's nothing wrong with such a pattern of supply, however, you should look at what benefits the insurance company gdiberikan yan. Then, if the insurance company that works with the credit card issuer is bona fide and have experience. Not until, when you are sick and make a claim, proved even more difficult process.

So, to choose the health insurance companies, at least there are two things to note, namely bonafiditas and recordnya tracks, and then compared with the benefits offered premiums charged to you. In addition, you also must consider that the hospital worked with the company's health insurance. More and more hospitals are working together, the more is the bona fide insurance company. Useless you have health insurance when the house was magic in your neighborhood - sebgai example - do not have cooperation with the health insurance you have.

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TRICK RISK THROUGH INSURANCE

Risk does not only happen on investment. See flood now, making many people suffering from the loss of property and even lives. What can I say, flooding had already occurred. However, risks include the risk of flooding - not unusual trick. At least, that risk can be transferred to other parties. Dus, Do not be surprised, if there are some circles that despite the loss of property, ranging from cars to home furnishings, seemed calm and steady. Among them may have moved the risk to the insurance company. Thus, the insurance companies who will bear the risk experienced earlier.

Insurance program is not new. Various backgrounds to understand, insurance as risk management of financial institutions was necessary existence. However, awareness to follow the insurance program did not have everybody. Usually, after the "hit the rock" new people aware that insurance is important. Still, never too late. Dus, so the same risks do not need to happen again, or do not need your own is a good idea to consider insurance program.

With insurance program means you have shifted the risk to other parties. Transferred to the risks that you must pay a premium depending on the risk transferred and who want manfaaat obtained. In practically, various insurance types. However, in this paper only discussed three types of insurance, ie health insurance, life insurance and general insurance. then, what aspects should be considered in selecting an insurance program.

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Health Insurance Needs It So

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.

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Life insurance protects the customer or Economic Value?

I've listened to the opinion of some people about life. Some say: "Life is God's business. Insuring that our souls before God's will. "

So to speak. And the fact is, indeed, quite a lot of people are allergic to hear the word 'insurance'. The funny thing is, those who are allergic to this insurance did not hesitate to insure your car, motorcycle or houses they have.

Hence, not surprisingly, the majority owner of a motor vehicle to protect the economic value of vehicles with insurance, while only about 3% of all Indonesian people who consciously protect themselves with the economic value of life insurance.

Actually life insurance is not to protect our souls. But rather to protect the economic value of ourselves. For example, if we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic lives of our families by spending 5 million dollars that could be kept awake, 'even if' something happens that causes us could no longer make money. We do not expect 'something' was happening.

But who can ensure the future?

Therefore, try to ponder: If the economic value of our car or house just protected, why do we not protect the economic value of our self? Is a car or a house is more valuable than ourselves?

If our employees, try to check whether the company where we work is to provide life insurance for us. Company-a good company usually provides life insurance for his employees. But there are 2 things we need to do:

First, ask the HRD, whether insurance is provided only for as long we work in the company, or can proceed alone if we stop working.

In general, if employees resign or retire, so his life insurance will be disconnected automatically. Therefore, consideration should be given to purchase their own insurance. Unless we plan to work on as a professional.

However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.

Second, if the company has provided insurance that we can manage themselves (you can take them away and continued his own) so maybe it's time to do financial planning or school fees of children in the future.

There are those who prefer to save every month in the bank, and not taken-taken. No matter if we can be disciplined way. But if not, maybe insurance education can be the solution.

Apart from that, insurance has the advantage of education in terms of protection, which is not owned by the education savings.

The principle is: if there is 'something' in us, so our children still get the education funding guarantee in accordance with what we planned.

Even if we do not want to buy an insurance policy, we do not hesitate to consult with insurance agents. It would not hurt if we understand the mechanism of this model of financial planning.

At least, we can compare it with financial planning strategies that we run today. Although we do not buy insurance policy from them, they are usually happy to help us to design a long-term financial plan we are. That is, we can get a free consultation about our financial planning. Not bad right?

We have had a lot of insurance combined with investment. So, you will get benefits of protection, while viewing portion of the money you paid as savings or investments that continue to grow and develop.

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