9 Strategies for Choosing the Right Health Insurance

The development of insurance shows a fairly high number in Indonesia, public awareness of the importance of protection for health, life, and assets is one of the contributing factors. People are now smarter and understand the benefits that can be obtained from insurance services.

This is of course also welcomed by insurance service providers, which strive to always innovate and give birth to various new insurance products. This is done to meet all customer needs and also provide many choices that can be tailored to the interests and needs of each of their service users.

The number of companies engaged in insurance services is also very much elaborated, this, of course, makes business competition quite tight, so companies are competing to provide the best service for their service users.

Careful in choosing insurance

At present, there are various types of insurance that you can make as an option, this, of course, makes you have to be smart in choosing and choosing one of the insurance services that will be used. One of the most widely used insurance services is health insurance, where the number of users is very high compared to other types of insurance.

When you decide to use health insurance services, of course, you must understand all the policies and rules listed in the insurance policy, this right will prevent you from various types of losses that can arise due to an inaccurate understanding of the content. policies issued by insurance companies. You certainly don't want to experience this, right?

Although it looks the same, every health insurance policy issued by an insurance company will have differences and advantages of each. This is what you must pay attention to before making a decision, where in many cases some customers feel disadvantaged because of a lack of understanding and the provisions contained in the policy.

Here are some points that you can make the right strategy in choosing health insurance:

1. Understanding Needs

The main thing you need to do before choosing health insurance is clearly related to the insurance needs that you will use. This will really help you to be able to find and choose the most appropriate health insurance for you to use.

That way you can get maximum benefits from the use of insurance. Adjust health insurance to your health needs and other family members, and every service provided by the insurance company in detail.

2. Select the type of protection

In some insurance companies, you can choose certain protection services outside of the standard services they provide, this, of course, will be accompanied by the imposition of an additional premium fee. But with this system, you can get a complete service that best suits your needs and your family's. Choose only services that are really needed, so that the number of premiums to be paid can be lighter.

3. Do a comparison

A large number of insurance service providers, of course, makes you have many choices that can be considered. Make a comparison between one insurance company and another, this needs to be done carefully, so you can find the best health insurance service you want.

4. Adjust to the Budget

Another important thing to consider is that with the financial budget, you have for a health insurance service, don't let heavy premiums make your finances disrupted.

Insurance is a fixed expenditure that will last for a long period of time (several years), so you can be sure that this expenditure post will greatly affect your overall financial condition, therefore careful consideration is needed before you make a decision.

This can also be done by making a payment simulation, you can ask staff from the insurance company to assist you in doing this.

By doing a simulation, you can measure your ability to pay insurance premiums and ascertain what benefits you will get from the insurance because you have the opportunity to ask for various information from the insurance company staff that you meet.

5. Consider the credibility of insurance companies

When going to make a decision about an insurance service provider company, it is mandatory for you to see and consider the credibility of the company, this will help you to avoid a number of losses that could occur in the future due to unprofessional actions by the company.

Search and collect accurate information about the performance and services of insurance companies, you can find all this easily via the internet or from friends or family who has used their services before. Be sure to choose the best company services and have a high reputation and credibility in the community.

6. Use Third Party Services

When talking about insurance policies, often you will find it difficult to understand the contents of the policy in detail, this certainly creates potential losses for you in the future. To find and make decisions about health insurance that are the most appropriate and appropriate for you to use.

There is nothing wrong with asking for help from a professional third party, in this case, the so-called "broker". An insurance broker will help you to analyze your needs and also choose health insurance services from an insurance company that is most suitable for you to use.

7. Consider Family Health Insurance

Currently, there are insurance companies that provide family health insurance services, where you only need to use one insurance policy for all family members. This is very effective and more economical because the amount of premium to be paid is certainly lighter, compared to the insurance system that applies one policy for every person.

You can consider using a health insurance service with this system, especially if you and other family members really haven't used health insurance services from any insurance company before.

8. Understand the System Applied

Basically, insurance companies apply a cashless system (using participant cards) or reimbursement for their services. These two things will be very different and should be taken into consideration for you. In the cashless system, you will find convenience when you need health services at a hospital, where you only need to bring and show your membership card when registering at the hospital. You also don't need to make a number of deposits if you will get inpatient care, so the treatment can run quickly and easily.

While in the reimbursement system, you must make a deposit when registering for inpatient care, and even you must pay off all medical expenses incurred in the hospital. After you get treatment, you can make a claim to the insurance by including the payment receipt, this will certainly be very inconvenient, considering you can get sick anytime and even when you don't have a fee to pay for treatment at the hospital.

9. Partner Hospital

Usually, insurance companies already have cooperation with a number of hospitals they choose, the more the number of their partner hospitals, the easier it will be to access them. That way you will have no trouble getting the health services you need.

Make sure you choose insurance that has an extensive network and cooperation with many hospitals, especially for those of you who choose the cashless system because this insurance service is only valid in hospitals that have cooperation with the insurance company you use.

Understand and Use the Best

Basically, health insurance is a product that has a variety of rules and regulations that are quite complex, so for that, you must understand and understand clearly the contents of the insurance policy that you are using. This will help you to avoid problems and losses in the future, so you can get the maximum benefit from using the health insurance you choose.