HEALTH is the most important thing in life. Therefore, people sought ways and means to preserve and maintain health. Even people looking for health insurance to support and guarantee their health. Moreover, the cost of care and treatment of the disease soar.
By following the health insurance program means you have shifted the risk to other parties. Risk transferred to it, you must pay the premium amount transferred depends on the risks and benefits that want to obtain. Nevertheless, you remain observant choosing the right insurance that is not harmed in the future. Here we present some tips that you can see before making a decision to follow the health insurance.
Bonadifitas and Track Record
Lately quite a lot of health insurance offered by credit card providers (Issuer). That is, other than a direct quote from health insurance companies, there is also offering health insurance through credit card organizer (Issuer). Offered to card holders benefit from health insurance and the premiums directly charged to the cardholder via credit card.
At this point you should look at what benefits are given insurance company. Does the insurance company who work with credit card issuers are enough bona fide and have experience? Do not be, when you get sick and make a claim, the process is even more difficult. Even difficult for you. So, to choose the health insurance companies, at least there are two things to be noticed, namely reliability and track record and offer advantages compared to the premiums charged to you.
Savings and Investments
Health insurance services are now very varied. In addition to offering financial guarantees when ill, there are combining it with certain services. For example, premiums paid in part shall be applied as a savings or investment. Of course this offer attractive. But usually offered insurance premiums will also be greater.
In addition, those who actually participated in the younger age insurance program will get some ease. For example, no medical examination required. Keep in mind that insurance premiums will increase with increasing age of the customer. So, register yourself on health insurance when he was young.
Apple to apple
See the comparison between the benefits obtained by the premium you pay. The trick, compare insurance companies one by another insurance company (apple to apple). If there is a deductible (own expense), calculate how much the cost of deductibles will apply. Compare also with cost savings or reduction in premiums.
Health Insurance and Hospitals
In addition, you also must consider the hospital in collaboration with the company's health insurance. More and more hospitals are working together, the bona fide insurance company. Useless if you have health insurance if it is a hospital near your home, for example, have no collaboration with the health insurance you have.
Quick pay claims
Try it you ask the manager of the hospital or physician practice that is around you, the insurance company which pays an insurance claim the fastest. Because this will determine the level of hospital services to you.
A complete replacement
There is health insurance that provides reimbursement of hospitalization only. But there is also provides a complete replacement, with outpatient care and medications. Well, if you are frequently ill and went to the doctor, you should take the health insurance that provides a complete replacement. But if you rarely ill, to suppress the premiums, you should simply take the health insurance that provides reimbursement of hospitalization only.
Thaw Claims
Then withdrawing the claim is the most important thing in insurance business. For that, you need to complete the detailed information and data from the hospital as evidence of care.
Card System
There are two systems of health insurance claims. Pay first and then billed later, or a card system where you do not have to pay anything. Actually there is no fundamental difference of these two types of systems of health insurance claims. The difference is in the health insurance card system, the choice of treatment or care where you are usually limited to those who already work with your insurance company. This is because the hospital / pharmacy will need to recognize your card first before you are served.
Unlike the system of paying upfront and then billed later, where you can seek treatment (almost) anywhere. Which one should you take? If cash is not a problem for you, it's okay if you take the health insurance system that uses recent claims. But if your cash is limited, it would be better if you take the health insurance card system.
Combination of Services
Health insurance services are now very varied. In addition to offering financial guarantees at the time of illness, there are combining it with certain services. For example, premiums paid in part shall be applied as a savings or investment. This offer is indeed interesting. Only, insurance premiums will also be offered greater. Additionally, those who follow the insurance program at a young age will get a few advantages, such as, no medical examination required.
Maintain a Healthy Lifestyle
Although in turn you and your family have a health insurance customers, a healthy lifestyle should keep running. Does not sound better than the pain, even though it costs borne by health insurance companies? So, do not abandon healthy lifestyle despite having a health insurance customers.
source: Genie / Genie / tty - okezone.com
