1. Identify Needs. Before deciding which insurance is selected, you should identify your needs. Do you need life insurance, health, pension fund or all three. If you have been married or have dependents, then you should have a life and health insurance. There are two health insurance options, namely public health insurance, dependents of all kinds of diseases, including delivery fees and health tests.
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Life Insurance and Health Insurance is necessary especially for the self-employed and informal workers who do not have health insurance from a company or government agency. A self-employed like me if ill or disabled because of accidents will experience a lot of financial losses / financially because they have to bear the cost of treatment and can not work for a living. Another case, if someone works at a company or a government employee, they usually get health insurance that would cover the cost if the hospital and paid fixed monthly salaries. (But not all companies provide decent health insurance lho)
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What you should compare at each insurance company if the bid offered by more than one insurance company?
1. Reinsurance
Reinsurance can easily be interpreted as his insurance company insurance company. This means that insurance companies in operational activities; to reduce the risk that can happen to him, also insure that risk to other insurance companies. And usually larger company. So consider this, ask whether your insurance company will take a reinsurance company. This is important if there is something undesirable to the insurance company of your choice, there are other companies that had reinsurance companies that guarantee the continuity of both the protection of your rights and liabilities of your premium payments. It is also important you have to know the management company so if something happens, you can get the information and equipment.
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Today, the cost of health (proper treatment) can say quite expensive, so we just went to the doctor could a few hundred thousand (depending on the disease and treatment that we choose), not to mention if he should take care in hospitals.
Especially for those whose income is not fixed (freelance, or self-employed) so ill might deplete savings, also for the employees who still have a variety of installment (mortgage, car payments, etc.) large enough extras could certainly disrupt the installment-payment installments.
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HEALTH is the most important thing in life. Therefore, people take a variety of ways to take care and health care. Even people looking for health insurance to support and ensure their health. Moreover, the cost of care and treatment of more diseases soar.
By following the health insurance program means that you have transferred the risk to other parties. To risk being transferred that, you must pay a premium to the amount transferred depends on the risks and benefits that want to obtain. However, you still brooding choose the right insurance so as not to disadvantage the future. Here we present some tips that you can see before making a decision to participate in health insurance.
Bonadifitas and Track Record
Lately quite a lot of scattered health insurance offered through credit card organizer (Issuer). That is, other than a direct quote from health insurance companies, there is also offering health insurance through your credit card provider (Issuer). Benefits offered to card holders of health insurance and the premiums charged to the card holder directly via credit card.
At this point you should look at what the benefits are given insurance company. Does the insurance company that works with credit card issuers are enough bona fide and have experience? Do not get, 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 that should be noticed, namely bonafides and his track record and offer advantages compared to the premiums charged to you.
Savings and Investments
Health insurance services are now very diverse. In addition to offering financing guarantees when ill, there are combined with certain services. For example, the premium paid in part will be treated as savings or investment. Obviously this offer attractive. But insurance premiums are usually offered will also be larger.
In addition, they are actually participating in the younger age insurance program would get some ease. For example, unnecessary medical examinations. Please note that insurance premiums will increase with increasing age of the customer. So, register yourself on health insurance when I was young.
Apple to apple
See the comparison between benefits obtained with the premiums you pay. How, to compare one insurance company with another insurance company (apple to apple). If there are deductibles (own expense), calculate how much the cost of deductibles will apply. Compare also the savings or reduction in premium costs.
Health and Hospital Insurance
In addition, you also have to pay attention to the hospital in collaboration with the company's health insurance. More and more hospitals are working together, the more 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.
Fast pay claims
Try you ask the manager of a hospital or physician practice that is around you, an insurance company which pays the insurance claim the fastest. Because this will determine the level of hospital services to you.
Complete replacement
There is health insurance that provides reimbursement of hospitalization alone. But there also provides a complete replacement, namely with outpatient care and medications. Well, if you often sickly and went to the doctor, you should take the health insurance that provides a complete replacement. But when you are rarely sick, to reduce premiums, you should simply take the health insurance that provides reimbursement of hospitalization alone.
Spending Claims
Later in the melt is the most important claims in the 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 claims in the health insurance system. 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 the two types of claims from health insurance system is. The difference is in the health insurance card system, the choice of treatment or care where you are usually limited to those already working with your insurance company. This is because the hospital / pharmacy will need to recognize your card first before you are served.
Unlike the system to pay upfront and then billed later, where you can be treated (almost) anywhere. Which one should you take? When cash is no problem for you, it does not matter if you take health insurance claims using the system later. But if your cash is limited, it would be better if you take a health insurance card system.
Combination Service
Health insurance services are now very diverse. In addition to offering financing collateral at the time of illness, there is combine them with certain services. For example, the premium paid in part will be treated as savings or investment. This bid is interesting. It's just that, insurance premiums will also be offered greater. Moreover, those who follow the insurance program at a young age would get some ease, such as, unnecessary medical examinations.
Maintain a Healthy Lifestyle Patterns
Although in turn you and your family health insurance has become a customer, healthy lifestyles should remain running. Did not sound better than the sick, even though it costs borne by health insurance companies? So, do not leave a healthy lifestyle has become a customer even though health insurance.
Already have health insurance? Probably most of us would answer yet. In fact, if any member of our family who is ill and must be treated in the hospital we just felt the importance of having health insurance. Because when the pain much less severe illness, in addition to the body must suffer, even participate miserable bag.
Now, create a buddy who will follow, or want to have health insurance, there are a few tips that could be the handle, namely:
1. Take health insurance that provides inpatient benefits. Usually hospitalization is what causes us to spend large sums of money, because the term is difficult to estimate the length of hospitalization
2. Take health insurance that provides outpatient benefits if the last 1-2 years we often went back and forth to the doctor.
3. Health insurance is usually sold with a stick on life insurance. This is the choice options that could be taken if we want to have it in one package, or have them separately.
4. Health insurance that provides benefits critical illness deserves to be taken. Critical illness can make us spend large enough, can be dozens, dozens, even hundreds of million rupiah. Indeed, we will issue a bit more money, but it will be cheaper than us in cash out of our own money. So, why not remove the risk to insurance companies alone?
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