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.
At times like this are usually people start to realize the importance of health insurance. Though sometimes the office provides health insurance (including family), which can often number in the claim is still insufficient medical expenditures.
Nowadays though many people have started to realize insurance (including health insurance, which is usually 'burn' after a period of short supply), sometimes we can still be wrong to buy insurance as well.
Here are tips carefully before buying insurance that need our attention:
* Do not be tempted company based in luxurious locations, because it does not guarantee the quality of the company. Learn company profile to know the company's financial reputation. How much Risk Base Capital (RBC) and which companies are the guarantors of reinsurance.
* Note the reference service reputation through various parties, or visit the company's office directly.
* If the company uses a system of agency, select an agent who can explain the program well.
* Note the exception clause of the insured illnesses. Make sure all arrangements agreed upon in writing, not orally.
* Learn plan (grade) are covered, whatever abiaya borne, the limit per occurrence, and annual limits. Understand the mechanism is also applicable, if you want to 'grade' hospitalization.
* Understand when the coverage takes effect.
* Make sure you understand all the legal language in the policy. Upon receiving the policy, take the time to really understand the contents before signing.
Additional Information: With regard to the insurance dispute, the customer does not have to reach the pockets to pay lawyers and court costs. Since 30 September 2006, has stood BMAI (initiated by the government and all Insurance Companies Association of Indonesia) to receive public complaints about an insurance claim for free.
But the case of claims handled by BMAI just under 500 million claims and insurance claims under 300 million.
Solving method of insurance is: customers can send letters or email, or come in person directly. And after the cases studied, the mediator will call both parties to resolve disputes in a win-win solution.
If an insurance dispute cases that occurred can not be resolved at the mediation stage, the case will be brought to the level of adjudication and will normally be decided by Ajudikator or Penal Ajudikator. Guilty party must follow the decisions taken.
