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.