Tips When Making Purchase Health Insurance

Through some insurance plan you choose, there is always a limit to the planning and planning before making a purchase health insurance for your company, there are several references that must be observed.

It is also important to understand, kind of features and benefits provided by the health plan you purchase. In some cases, the health plan will be presented on health insurance benefits. For more detailed information, you need the help of your health insurance representative.

To help you make a decision among several health insurance plans. Here are some questions and tips that can help. Questions and tips will make your stay on your plan which was previously planned.

• What happened to the claim?
Traditional health insurance plans require employees to collect claims for reimbursement. How fast can claim handled properly?

• What is focused expenditure out-of-pocket?
Are there types of expenditures for health care different? Would be reduced?

• Are there any restrictions?
Know the services covered by health insurance plans that you buy. Make sure you ask about the limits of your health insurance coverage.

Do check with the insurance department in your country and look at every complaint that generally occur. Do check any insurance company that handles all complaints properly. Do not choose a bad company in the handling of a complaint.

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Health Insurance

Few of the leading health insurance in the compilation of several sources:

Health insurance is a contractual agreement between an insurance company to its customers. Its contents, if the customer's risk of experiencing health-related, then the insurance company will replace the cost - the cost of health issued. Usually, replacement is given to: Inpatient, operation, purchase of medicine and outpatient.

Not all replacement Askes give the same. Some products only change Inpatient. Some of the other add to the replacement operation. Only a few products that replace the full, from the Inpatient, surgery, medicine and outpatient.

Cost - the cost of health care is basically divided into:
1. Health Care Costs, the costs - costs that must be removed so that someone's health still awake. For example: for the health check-up, some vitamins etc.
2. Outpatient costs, the costs - costs that must be issued to pay for consulting a doctor, when someone sick.
3. Inpatient costs, the costs - costs that must be issued to pay for the cost - the cost associated with the Inpatient, when someone sick and have to stay.
4. Cost of medicine, the costs - costs that must be spent to buy drugs.
5. Operating costs, the costs - costs that must be removed when someone should be operated in the hospital.

Choosing Health Insurance
1. Askes should select that can provide protection Inpatient thoroughly, not only the replacement cost of a room, but also santunan surgery, UGD, ambulance etc..
2. Keep taking Askes, even once your funds are limited at this time to pay the insurance premiums that may be felt expensive. However, select only the replacement cost of hospital rooms. Have this type of insurance excess. When you take the type of room with the cost of Rp. 300.000, - per day., For example, when you enter hospital rooms that price is less than Rp. 300.000, - per day, you still get a cash fund of Rp. 300.000, - per day.
3. Never take for the protection of outpatient services. Cost that you spend for treatment / dental treatment within a year is usually smaller and not at all comparable with the premium you pay.
4. Never take Askes also provide the replacement cost of labor (Maternity). This is usually because the premium you pay will be almost the same magnitude with the number of klaimnya later. Labor costs offered by insurance companies for labor is usually normal (normal Maternity) or confinement berkomplikasi (Maternity complicated).

Both certainly have a difference in the premium. The cost for a normal childbirth is around Rp. 4 million, while labor berkomplikasi, can Rp 6 million to Rp. 10 million. While premiums you pay for both the protection is more or less the same as the average cost you should claim.

Addition, the insurance company does not claim Maternity serve in the first year you pay the premium. This means you must pay a premium now, and new benefits you can receive if you give birth in the second.

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