The system used by health insurance companies there are 2 ie the reimbursement system (reimbursement) or the system provider. With the reimbursement system, insurance participants have to spend money first to pay for treatment then can we claim or request a replacement to the insurer in which we become participants of insurance.
With this system we are then free to choose a hospital anywhere, but certainly the maximum reimbursement has been determined in advance. That need to be our primary concern in making the claim is the completeness of letters of administration that became the main requirement for the reimbursement of expenses that we can be paid out by insurance companies.
Fast or slow disbursement of the claim depends on the services provided by insurance companies, but generally ranges from 7 working days. For those who embrace the system provider, we do not need to spend money first. We only provided with health insurance membership card in order to obtain needed health care in a hospital or health clinic that we selected earlier based on a list of hospitals that work with the insurance company.
Choosing health insurance health insurance as if we need to look at and we choose? Here are some tips that may help us in choosing health insurance
1. Carefully before buying. As a potential participant health insurance, we are entitled to get the right information, clear and honest about the terms / conditions stated in the insurance agreement. We should first read the instructions, information, and procedures are carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that it can make the right decisions. Given the usual clause or clauses written in small letters on the back of the agreement and use a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of the difference between our interpretation as a participant, or insured by the company insurer or the insurer.
2. Choose the insurance companies are reliable and have good products and services. Try to compare with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premiums.
3. If the company where we work do not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company. This will benefit because the premium paid would be lower if the collective, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group.
If we reflect for a moment then come sickness or accident is an event that often occur, although the timing is not predictable. Therefore, it needed a plan to prevent and resolve the issue carefully and wisely. The principle of “willing umbrella before it rains” can be done, one way to have health insurance.
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