How to Maintain Health Insurance Stay Active Until Old Age

Health insurance is one of the most important financial products for everyone. Not only, for now, but health insurance is also certainly needed until a later age. But what often becomes a problem for most people is how to maintain their insurance policy when they retire. While on the other hand, in these times health insurance is often very much needed.

Paying insurance premiums after retirement can be overwhelming, especially if it turns out the number of premiums paid is fairly high. But on the contrary, if you do not have health insurance, then you will cover your own health costs at later times.

This is certainly very risky, considering that health costs are not cheap. Make sure you have an active health insurance policy until your retirement so that health problems do not disrupt your financial condition.

Here are some ways you can keep active health insurance up to old age:

1. Immediately Buy Health Insurance

Feeling yourself still healthy and not needing certain health services at this time, you may still be reluctant to buy health insurance products. This is certainly risky because sickness can come at any time.

In addition, the longer / older buy health insurance, the higher the number of premiums to be paid. Make sure to immediately buy health insurance, so that this service can provide protection for health as soon as possible.

2. Buy in accordance with financial capabilities

As basic insurance, you can become a BPJS health participant, considering that this service is also required now. But if it turns out that financial conditions are still adequate, it never hurts to buy other additional insurance.

Besides BPJS, you can also consider other private health insurance services as a supplement, especially to cover various diseases that are not guaranteed by BPJS. Choose a policy that suits your health needs and is not guaranteed by the BPJS, so purchasing additional insurance is really useful.

In addition, also adjust the number of insurance premiums with financial capabilities, so that later it will not be difficult to pay until old age.

3. Buy Insurance that Provides Protection for Critical Illnesses

When buying private insurance, make sure you consider a policy that guarantees critical illness. Some insurance may not include this in their basic services.

But on the contrary, there are also life insurance products that actually provide protection against this critical illness as an additional benefit in their products. You need to look carefully at this.

Be sure to choose the most appropriate insurance products and have critical illness protection in them, so that later this insurance can provide maximum health benefits.

4. Don't Pay Insurance with Credit in Retirement

Finance after retirement is certainly not always safe, given the amount of income has decreased. Avoid applying for credit during these times, even if it's for the need to buy insurance. This is very risky, considering that it will not be productive in retirement later.

5. Consider Unit Link Insurance

Insurance that is designed to run in conjunction with this investment can be used as an option. In the unit link, a portion of the funds will be invested so that it can generate a certain amount of income. From this investment, you can apply for premium leave temporarily, if at any time the financial is uncertain.

6. Prepare a Health Fund

Even though you already have health insurance, you still need to prepare a number of financial health funds from now on. This is important, to anticipate if in the future do not have sufficient funds to pay for the insurance premiums used. This fund will guarantee the continuity of health insurance until old age.

Buy according to your Needs and Financial Capabilities

Health insurance is one of the important needs that you must have, even in old age. Make sure you already have this health insurance and are able to pay the premium until old age, so that the health risks are still guaranteed well. Buy insurance that fits your health needs and financial capacity right now.

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