10 tips for choosing good health insurance - As an employee, you should prepare yourself with health insurance. Why? First, the cost of treatment is constantly increasing and the disease can be approached at any time.
Second, health insurance will give financial security when you get sick or get an accident. Thus, the cost of treatment in hospital will be borne by the insurance company under the terms of the agreements in the policy.
Well, from many health insurance products that circulated today, which one should you choose? If you are still confused, here are 10 tips that will help you choose a good health insurance.
Broadly speaking, there are two types of products offered by health insurance companies, the hospital and hospital cash plan benefits.
Insurance product with the type of hospital benefit provides reimbursement in detail on a lot of costs that we spend in the hospital during treatment.
The system used is a cashless claims or non reimbursement; usually payment of treatment in hospitals is done by using a health insurance card.
Meanwhile, hospital cash plan is a type of insurance products that offer reimbursement to the amount of (nominal) specified, under the agreement at the beginning of the contract. For example, $ 500 per day when the customer treated in the hospital, no matter what the real costs incurred by the customer.
The system is a reimbursement claim, the customer pays in advance for medical expenses that will be reimbursed by the insurance company after filling out the form submission to reimbursement.
Various health insurance products often leave you confused, so could you pick the wrong health insurance and less according to your needs.
To prevent this, understand your needs and your medical history. After that, select the proper health insurance, then the effect will ease the financial burden for you and your family.
One financial planner from the firm of financial consultants, providing advice, ie to collect in advance about what kind of service that you want and under the budget you have.
For example, you collect data on the cost of treatment in hospitals and related facilities (eg VIP class with a doctor visit costs USD $250 other facilities). After collecting all the data, then later you are searching what health insurance that fits your needs.
Before choosing a health insurance, you must know in advance the benefits you will get.
For example, the benefit is the guarantee of get the funds needed to pay for health needs of you and your family as customers.
Thus, you do not have to worry anymore about health care costs. Fairly to make a claim and prove authentic evidence such as receipts of payment, the insurance company will pay the cost of treatment in the hospital.
Another benefit is that you will manage finances well, because you have to pay a premium every month.
In other words, you have to set aside your salary as an employee for pay premium as a reserve fund for your health.
In choosing health insurance, you must know the hospital that can receive a claim from the insurance company.
We recommend that you choose an insurance company that can receive claims from hospitals or from hospitals that are within easy reach, or close to where you live.
Make sure you know which hospitals work closely with the insurance company you choose and what kind of treatment they are able to give.
In general, there are two types of treatment offered health insurance company ie ambulatory (out-patient) and hospitalization (in-patient).
There are also insurance companies that bear the cost of labor and dental care.
Full-cost premiums and dependents is a dream of every health insurance customers. However, things you need to know is the more complete the coverage, the higher the premium you should pay.
If you want to preparing your funds to your health, then choose the insurance that will not ruin your financial situation.
Do not let you overlook your health these days, because of basic needs are not fulfilled due to pay a high premium.
Therefore, choose the health insurance premiums according to your finances. For example, you pay the health insurance premiums of 10% of your salary.
Insurance is a long-term product. Because of its long-term, you should select an insurance company that is credible. The way is to look at their experience in dealing with health insurance services and process of claims.
Do not be tempted to believe fast and inexpensive premiums offered with benefits as well as the type of treatment is complete.
Each insurance company has the kind of care and different premiums for their clients and details of coverage is different also.
All of the information listed in your policy so read it carefully.
Many customers who feel cheated because they have to pay the medical expenses at the earliest.
In this case, they actually take out an insurance product with a reimbursement system.
Now, lest you be customers who feel aggrieved. Go carefully about the ease of health insurance claims system which would you choose.
Basically there are two types of system claims, which is cashless and reimbursement.
In a cashless system or non-reimbursement, usually payment of treatment in hospital, performed using a health insurance card.
While in the reimbursement system, health insurance customers need to pay in advance all the medical costs incurred, then charge to the health insurance companies, by attaching the receipt of payment from the hospital.
Growing number insurance companies offering various products and health care benefits, should make you have more choices.
Do not just glued to one insurance company only.
You should seek information about other insurance companies and compare their insurance products.
Things you should look into insurance are comparing product is a monthly premium, the type of health care, the system claims, provider or hospital that is cooperating with companies, and other benefits offered by health insurance companies.
However, there is also an insurance agent who contacted prospective customers via telephone or tele-marketing.
Because of the shortness of time, insurance products can not be explained in detail.
We urge you to ponder, analyze and seek more information before deciding to take the offer.
If you have already become a customer and want to stop the contract, typically premiums collected are not refundable.
Remember, if you are not careful to choose today, you will lose tomorrow. So, have a few days to think about before you decide.
If you need a comprehensive health insurance benefits but have a limited budget, you should have health insurance purely on its own.
Pure health insurance premiums relatively low compared to the investment plus insurance.
This is because pure health insurance fund will not used for investment purposes.
Choosing a good health insurance need a special strategy and should not done in a hurry.
Try the ten tips above so that you get a health insurance that fits your needs and your financial condition. If necessary, seek advice from your financial planner, so your choice really proper.
Read :
How To Choose Car Insurance Properly?
Second, health insurance will give financial security when you get sick or get an accident. Thus, the cost of treatment in hospital will be borne by the insurance company under the terms of the agreements in the policy.
Well, from many health insurance products that circulated today, which one should you choose? If you are still confused, here are 10 tips that will help you choose a good health insurance.
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| Health insurance |
1. You need to understand what kind of health insurance products
Broadly speaking, there are two types of products offered by health insurance companies, the hospital and hospital cash plan benefits.
Insurance product with the type of hospital benefit provides reimbursement in detail on a lot of costs that we spend in the hospital during treatment.
The system used is a cashless claims or non reimbursement; usually payment of treatment in hospitals is done by using a health insurance card.
Meanwhile, hospital cash plan is a type of insurance products that offer reimbursement to the amount of (nominal) specified, under the agreement at the beginning of the contract. For example, $ 500 per day when the customer treated in the hospital, no matter what the real costs incurred by the customer.
The system is a reimbursement claim, the customer pays in advance for medical expenses that will be reimbursed by the insurance company after filling out the form submission to reimbursement.
2. Adjust to your needs
Various health insurance products often leave you confused, so could you pick the wrong health insurance and less according to your needs.
To prevent this, understand your needs and your medical history. After that, select the proper health insurance, then the effect will ease the financial burden for you and your family.
One financial planner from the firm of financial consultants, providing advice, ie to collect in advance about what kind of service that you want and under the budget you have.
For example, you collect data on the cost of treatment in hospitals and related facilities (eg VIP class with a doctor visit costs USD $250 other facilities). After collecting all the data, then later you are searching what health insurance that fits your needs.
3. Learn about the benefits that you will get
Before choosing a health insurance, you must know in advance the benefits you will get.
For example, the benefit is the guarantee of get the funds needed to pay for health needs of you and your family as customers.
Thus, you do not have to worry anymore about health care costs. Fairly to make a claim and prove authentic evidence such as receipts of payment, the insurance company will pay the cost of treatment in the hospital.
Another benefit is that you will manage finances well, because you have to pay a premium every month.
In other words, you have to set aside your salary as an employee for pay premium as a reserve fund for your health.
4. You need to know which hospitals work closely with the insurance company and the type of treatment that can be given
In choosing health insurance, you must know the hospital that can receive a claim from the insurance company.
We recommend that you choose an insurance company that can receive claims from hospitals or from hospitals that are within easy reach, or close to where you live.
Make sure you know which hospitals work closely with the insurance company you choose and what kind of treatment they are able to give.
In general, there are two types of treatment offered health insurance company ie ambulatory (out-patient) and hospitalization (in-patient).
There are also insurance companies that bear the cost of labor and dental care.
5. Select the right premium according to your finances condition
Full-cost premiums and dependents is a dream of every health insurance customers. However, things you need to know is the more complete the coverage, the higher the premium you should pay.
If you want to preparing your funds to your health, then choose the insurance that will not ruin your financial situation.
Do not let you overlook your health these days, because of basic needs are not fulfilled due to pay a high premium.
Therefore, choose the health insurance premiums according to your finances. For example, you pay the health insurance premiums of 10% of your salary.
6. Check the insurance company credibility
Insurance is a long-term product. Because of its long-term, you should select an insurance company that is credible. The way is to look at their experience in dealing with health insurance services and process of claims.
Do not be tempted to believe fast and inexpensive premiums offered with benefits as well as the type of treatment is complete.
Each insurance company has the kind of care and different premiums for their clients and details of coverage is different also.
All of the information listed in your policy so read it carefully.
7. Examine for ease of claims
Many customers who feel cheated because they have to pay the medical expenses at the earliest.
In this case, they actually take out an insurance product with a reimbursement system.
Now, lest you be customers who feel aggrieved. Go carefully about the ease of health insurance claims system which would you choose.
Basically there are two types of system claims, which is cashless and reimbursement.
In a cashless system or non-reimbursement, usually payment of treatment in hospital, performed using a health insurance card.
While in the reimbursement system, health insurance customers need to pay in advance all the medical costs incurred, then charge to the health insurance companies, by attaching the receipt of payment from the hospital.
8. Compare with insurance products from other companies
Growing number insurance companies offering various products and health care benefits, should make you have more choices.
Do not just glued to one insurance company only.
You should seek information about other insurance companies and compare their insurance products.
Things you should look into insurance are comparing product is a monthly premium, the type of health care, the system claims, provider or hospital that is cooperating with companies, and other benefits offered by health insurance companies.
9. Avoid taking out insurance through tele-marketing
Insurance agent recruitment on clients generally done face to face directly.However, there is also an insurance agent who contacted prospective customers via telephone or tele-marketing.
Because of the shortness of time, insurance products can not be explained in detail.
We urge you to ponder, analyze and seek more information before deciding to take the offer.
If you have already become a customer and want to stop the contract, typically premiums collected are not refundable.
Remember, if you are not careful to choose today, you will lose tomorrow. So, have a few days to think about before you decide.
10. Choose pure health insurance
If you need a comprehensive health insurance benefits but have a limited budget, you should have health insurance purely on its own.
Pure health insurance premiums relatively low compared to the investment plus insurance.
This is because pure health insurance fund will not used for investment purposes.
Choosing a good health insurance need a special strategy and should not done in a hurry.
Try the ten tips above so that you get a health insurance that fits your needs and your financial condition. If necessary, seek advice from your financial planner, so your choice really proper.
Read :
How To Choose Car Insurance Properly?
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