Some Important Criteria for Choosing Family Health Insurance

Maintaining health amid the current pandemic is an important thing that we must do. Trying to live a healthy lifestyle will be effective for body health. In addition to complying with health protocols and carrying out a healthy daily lifestyle, of course, we must protect ourselves and our families from all kinds of health risks that may occur. One of them is to have health insurance.

What is Health Insurance?

Health insurance is a type of insurance that covers part or all of the cost of hospital bills, such as the cost of medical examinations, surgeries, or even inpatient rooms and ICUs. All this depends on the product of his health insurance. The number of protection benefits provided can also vary.

Just like insurance in general, the way health insurance works is that the Insured (the person whose health is insured) will pay premiums to the Insurer (the insurance company or the government). Premium payments can be made on a monthly, quarterly, semesterly, or annual basis. Instead, the Insurer will compensate in part or in full when the risk of illness occurs.

Why need health insurance?

Health insurance has become one of the basic insurances and is even required by the government. In Indonesia, health insurance must be in the form of BPJS Kesehatan. This is because everyone basically has the right to access treatment. If the disease is neglected and not treated, then it can become a matter of life or death.

The problem is that the medical expenses are not cheap. To heal, a person needs to go through a wide variety of stages. Starting from the cost of medical examinations, medicines, room rates, the services of medical personnel, and maybe other costs needed. In addition, this health cost always increases high every year. Not everyone can afford this huge price.

So everyone has the right to stay alive by getting treatment when they are sick, but not everyone can pay for medical expenses. Then what is the way out?

Health insurance is one of the solutions to this problem. Indeed, not all insurance covers the entire cost, but at least it can help ease the burden of hospital costs. Unfortunately, not many people realize this until one day they fall ill and feel the weight of paying hospital bills.

At a minimum, you must have at least BPJS Kesehatan, or health protection from online insurance whose premium prices are more affordable than BPJS.

What Are the Types of Health Insurance?

There are all kinds of health insurance. Therefore, you must be able to find out what kind of health insurance you have. What does the cover look like? Is there an element of investment? The following is an explanation of some types of health insurance:

Hospital benefit vs cash plan. Hospital benefits are the same as BPJS where coverage adjusts the costs incurred. Usually, hospital benefits are used as the main health insurance. A cash plan, on the other hand, provides daily cash compensation based on how long you have been in the hospital. For example, the cash compensation coverage is IDR 500k / day, and if you are treated for 4 days, then you will get IDR 2 million. The goal is more for the main health insurance supplementary insurance or BPJS.

Pure insurance vs unit link. Pure insurance means focusing on protection only as protection, while unit links have investment value in them. For health insurance, it's a good idea to have pure insurance because, in addition to more affordable premiums, you also get health-focused protection. If you want to invest, you can look for other types of investments that are right for you.

Inpatient (in-patient) vs. outpatient (out-patient). Prioritize getting health insurance that focuses on hospitalization, because hospitalization is the most costly. Inpatient insurance premiums are usually cheaper. If you have excess money, then then you choose insurance that has an outpatient basis.

Does family health insurance matter?

Of course, it is important because insurance is one way to protect yourself and your family from financial risks that occur in the future.

What are the criteria for choosing family health insurance?

1. Benefits of Hospitalization

Of course, by having insurance we hope to be free from part or all of the cost of hospitalization when we have to be hospitalized. The benefits of hospitalization from insurance are usually in the form of room fees, doctor's visits, medical expenses, laboratories, and other expenses. Of course, in choosing health insurance for the family, we must choose according to the needs and costs of the premiums that are charged.

2. Protects against Different Types of Diseases

In addition to critical illnesses, currently, insurance companies also offer family health protection against the risk of COVID-19. Preferably when choosing family health insurance, we should look at the list of diseases that are on the list of dependents. Don't make the wrong choice of plan. In Super You, with Super Strong insurance, you are not only protected from critical illness but also against the risk of dying due to COVID-19. Starting from Rp.28.500 per month, are you sure you don't want to?

3. Extensive Hospital Partners

In addition to providing health protection, of course, by having insurance we can choose a hospital that suits our needs. Usually, when choosing insurance the thing that must be considered is having an extensive network of hospitals.

4. Choosing Premiums as Needed

The following is in choosing a premium, there are insurance companies that offer various types of premiums and benefits. Choose according to our needs and of course, you have to adjust to the financial plan in the future. At Super You, My Hospital Protection health insurance starts from Rp.39,500 per month you can get various benefits including daily hospital costs, ICU treatment costs, and age cover coverage.

5. Insurance policy

In addition to paying attention to all these things, you can also check the complete information in your insurance policy. Make sure you have chosen insurance premiums that suit your finances, and benefits that suit your needs, and also check what risks are protected.

especially check the exceptions section. There are some risks that are not covered by insurance, for example, if the risk that occurs is part of a criminal act or suicide attempt. If the risk is part of the exception, you will not be able to claim the existing insurance benefits.

6. Easy Claim Process

Here is choosing family health insurance with an easy and cashless claim process. Well, in order for our claim process to be accepted, there are several important things that must be considered, including ensuring that the data filled in is correct, the policy is in active status, filing it on time, and so on.