6 Tips for Choosing Health Insurance as Needed
This is because health insurance has many types, from pure health insurance, life insurance to insurance with investment facilities.
For those of you who are still confused, here are six tips for choosing health insurance as needed:
1. Understand the need
Before deciding to buy a health insurance product, it is more important to understand what health insurance benefits you need.
Pay attention to the medical history in your family, is there a history of critical illness? This is to determine what coverage or coverage of health insurance protection you need.
In addition, it should also be considered, what class of room will you use if you are sick? Is a room with two beds adequate for you? Or do you need a quieter and more comfortable treatment room with only one bed?
The same goes for travel habits. If you are among those who frequently travel to various places, including abroad, having health insurance with a wide network of providers (partner hospitals) is very important.
On the other hand, if you rarely travel abroad, health insurance with coverage in the domestic area may be sufficient.
2. Check the availability of existing insurance
If you are registered as an employee of a company, usually, your place of work already provides health benefits in the form of health insurance.
Well, before buying your own health insurance, you should first research what kind of health benefits are provided by the company where you work.
Some companies provide very comprehensive health benefits for their employees, even for the employees' families. They are starting from the benefits of hospitalization, outpatient care, childbirth, dental care, to glasses.
The form can be in the form of cashless health insurance or reimbursement. Usually, the higher the employee's position, the greater the ceiling on health benefits.
Furthermore, every employee of the company is also almost certain to be included in BPJS Kesehatan, which also provides basic benefits of health services.
In order not to be redundant, if you currently have health benefits from your workplace, adjust the health insurance you want to buy with the existing one.
An easy example, at this time, you may already have health insurance from the office of the indemnity type. Indemnity health insurance provides protection in the form of reimbursement of medical costs according to the benefits stated in the policy.
Well, if you want to complete the office health benefits with personal insurance, you can choose health insurance in the type of hospital cash compensation.
That way, health insurance from the office can be used for medical expenses covered, while hospital cash plan health insurance can be used to cover medical costs that exceed the limit.
Read also: 5 List of Best Insurance 2021: AIA Financial to Allianz after read 6 Tips for Choosing Health Insurance as Needed.
Also, make sure the health insurance you buy can be used together with other insurance (coordination of benefits).
As for those of you who are currently listed as self-employed or freelance, you should optimize BPJS Health and complete it with private health insurance that can be combined with the benefits of protection with BPJS Health.
Keep in mind that employee insurance will expire when you quit your job. So if you are approaching retirement age or have plans to open your own business, you should have personal health insurance to anticipate when you no longer work at the company because personal insurance can only be purchased when you are still in good health.
3. Allocate a budget
To get the benefits of insurance protection, you need to prepare a budget allocation to pay insurance premiums. The amount of insurance premium will depend on the coverage of protection offered, the age of the customer or the insured, and the insured's medical history to the period of protection.
Prepare a budget allocation to pay health insurance premiums. How much should you ideally budget for? You can allocate 5 percent to 10 percent of your regular income specifically to cover the cost of insurance premiums, including health insurance.
So, if your current income is around IDR 10 million, you can allocate IDR 1 million for insurance premium payments. That way, insurance needs can still be covered without disturbing the allocation of other posts that are no less important.
4. Research the benefits and study the policy
When you want to buy health insurance, be sure to research in-depth what benefits (coverage) it provides and whether it meets your needs.
Some of the benefits commonly offered in insurance products include inpatient benefits, outpatient benefits, dental benefits, surgery benefits, and so on.
Also, make sure you study the excluded conditions listed in the policy. For example, the article regulates pre-existing conditions. That is, the rules in health insurance that state insurance benefits do not apply to pre-existing diseases.
So, if you fall sick and have to be hospitalized because of pre-existing conditions, then health insurance will reject your claim.
Pre-existing conditions are different from the waiting period. Health insurance generally has a waiting period of 30 days from the effective date of the policy and a waiting period of 12 months, for special diseases, from the effective date of the policy.
5. Compare with other health insurance
There are many types of health insurance products available. Do not immediately buy health insurance without comparing it with similar products.
Compare at least one or two products first so that you can choose the best, namely in terms of coverage, the amount of premium charged, and the track record of insurance providers.
The track record of the insurance provider is important to see if the claims business in the future can be easy or a lot of trouble. Do not forget to choose an insurance provider that has a good reputation and long experience. That way, you can get optimal health insurance benefits.
6. Know how to pay for medical expenses
Now, insurance companies have provided many conveniences for paying your medical expenses, namely through a cashless or reimbursement system. Learn the advantages of each, then determine which payment method suits your needs before buying a health insurance policy.
For payments by way of reimbursement, you have to pay the maintenance fee first, and then you can submit a reimbursement application to the insurance company by attaching supporting documents.
In fact, at Allianz, you can apply for reimbursement via digital claim submission with a maximum payment period of 48 hours. This digital claim submission can be made through eAZy Connect. Namely, eAZy Connect is a customer portal to monitor policies online, anytime, and anywhere through www.allianz.co.id/eazyconnect.
Through eAZy Connect, Customers can directly monitor investment values, insurance benefits, and other policy information.
For manual claim submission, Allianz has an SLA of 7 working days, and if it is not paid within that period, Allianz will provide a service guarantee, namely a USD0.0070 voucher for each customer who submits a claim.
Of course, it will be more convenient and easier if you choose to use the cashless facility. The cashless facility provides many conveniences for you because you can pay for maintenance costs without having to pay personal costs first.
To be able to enjoy this facility, you must perform treatment at the insurance company's partner hospital and always carry an insurance card. Later, the entire claim file from the doctor will be sent by the hospital to the insurance company. So there is no need to bother preparing a claim file to be sent by the insurance company.
6 Tips for Choosing Health Insurance as Needed by ITI190 - Insurance Top Info 190.