Category Archives: Insurance

Why should have health insurance?

Posted by on May 9, 2012 No comments

Health value for us is greater with the price of our business assets. Perhaps the phrase is very appropriate, especially for us who ever felt how the high cost of health lately. Things that seem trivial, but everyone will have a “time” for the sick. What will happen if we do not have the funds “any time” that could disrupt our family finances?

insurance Why should have health insurance?Well, for it is this kind of insurance products can help us to “anticipate” conditions that many people do not want this. Various benefits you can get through this program

Health costs could suck up all your money if you do not have health insurance. But how to choose health insurance that will cover the entire cost of treatment without the burden of various preconditions. There are several ways to choose health insurance in accordance with your finances.

1. One thing you should know first is the maximum guarantee provided by insurance companies. The larger the numbers provided, the better.

2. Maybe this will surprise you, but the greater the cuts imposed, the better. Deep cuts in emissions that are used to pay all your medical bills. So in other words, the greater the cuts imposed the greater the protection you get.

3. Every time you get a health bill, do not be afraid to present it to the insurance. But usually the insurance company will charge a minimum limit for medical bills. You need to know about the limitations of their minimal wear.

4. In addition to the insurance company, you also need to keep all medical bills, written and saved in a file. If something happens, such as errors in calculation, you have to document any evidence that insurance companies do the calculations.

5. Do not leave all your requirements on insurers. You also need to study and examine it every year, thereby reducing the fraud that they might do.

Why Must Have Health Insurance?

Posted by on May 4, 2012 No comments

I was healthy and never sick over this. Why do I have to take health insurance? “Many people think so and we may be one of them. However, ever occurred to us, what will happen if the accident and illness comes on suddenly and we had to be hospitalized? We may have to pay costly medical expenses up to savings drained away, and this of course is not a situation we expect to happen. Instead, would not it be helpful if we already have health insurance that can help us in paying medical expenses?

More so for us now that the cost of healthcare is increasingly costly. Paying doctors, buy drugs, hospitalizations are some examples of costs that must be paid when you or a family member stricken with the disease.

Fortunately for working in a company or agency that already has health insurance program, so at least, partly due to impaired health risks can be assisted by the health insurance program. What if companies do not provide such facilities? Or you an entrepreneur? Let’s not hesitate and start planning to buy health insurance.

With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty, so easier for us to manage expenses and reduce costs is not unexpected.

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, then the number of participants who took part individually or bigger so the risk of a claim can be evenly by all the individual within the group. The greater the number of groups or members within a single institution or company, it will lower the premium to be paid.

Benefits Health insurance is a type of insurance that helps the availability of health insurance funds if participants develop health problems or illnesses. All the needs of seeing a doctor, stay (care) in hospitals, drug costs in the hospital until the operation, all that can be covered by insurance companies. Generally this type of treatment or programs that are available are the benefits of ambulatory (outpatient), benefit of inpatient care (inpatient), labor benefits and dental benefits. In general, the benefits of ambulatory (outpatient) are covered by insurance companies is as consulting fees or general practitioner and specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others.

In the outpatient benefits have maximum limits use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like the hospital costs, lab fees, delivery fees, the cost of emergency service (emergency). The benefits of preventive dental care, basic dental care, dental care complex, and the installation of dentures. Third-care benefits, namely outpatient, maternity and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.

1 2 3 4 5 6 »