Health Insurance

2 Kinds of Health Insurance

There are two types of Health Insurance:

1. Hospital Cash Plan

2. Hospital Benefit

Apart from the use of the words but more importantly it means that, for the first:

• does not require the original receipt, it can be legalized hospital

• usually replaced only room cost per day, either for a regular room or ICU. There is also the replacement for the operation specified amount.

• replacement cost does not depend on the receipt but of hospitalization per day or per incident according operation policy taken

• reimbursement system in the form of reimbursement, so customers pay first and then claim to the insurance company

• premiums are relatively cheaper because the replacement value too small

Second:

• Original receipt is required. If you have 2 health insurance that require original receipts, the procedure is: first determine your claim was first directed to the insurance company which, if it is then the value of the claim has not been sufficient to pay the hospital then you can ask for the original receipt to claim the remaining payments to insurance companies the second. Likewise, if you have 3 or more health insurance

• replaced cost includes room, general practitioners, specialist doctors, medicines, operating costs (if any), all receipts paid in accordance with the appropriate maximum limit that we take in policy

• claims system usually direct in the hospital, do not need reimbursement. For example, your hospital bills Rp 10m while total insurance limit of only Rp 8jt, then you immediately pay the remaining Rp 2jt in the hospital. This can happen only in a hospital partner of insurance companies that you take.

• Higher premiums

Beyond that there is also, the insurance premium that gives us 100% money back if no claim sick, it can be categorized as hospital cash plan.

Health insurance

Health Insurance Life, health, education and pensions

5 Things about Cashless Health Insurance

There are 5 things to consider when having a cashless health insurance:

• Costs that can be paid to stay within the ceiling is taken out of the ceiling must be paid when customers want to come home from hospital

• The use of the card should be in RS or RS Provider in cooperation with the insurance, if it is not done then claim reimbursement (paid first to the new hospital claims to insurance)

• Tell to the hospital much time before getting out of the hospital long enough process, it could take 2-6 hours)

• Do not panic if you do not take her to the hospital card, which is crucial polis no memorized.

• If the card is lost, immediately inform the insurance

Other matters in accordance with the policy is purchased.

Maternity insurance

Now there is in my country, insurance for childbirth. This insurance cover the cost of delivery including pre-and post-natal complications.

Certainly not a small premium and a 12-month waiting period that must be considered before deciding to take this insurance. But the advantage is not only pregnancy but also cover medical check-ups, dental and eye care, vaccinations, and traditional medicine.

Pure Health Insurance

Pure or traditional health insurance, also called non-unit-linked health insurance or no investment value and an annual insurance (must be renewed every year if you want to get protection, where the premiums adjusted to the age of the customer)

The main characteristics and must be considered from a pure health insurance al:

• Premiums continue to be paid each year

• Increased premiums based on the age the higher the premium cost

• Make sure no renewal guarantee or warranty can be extended if the policyholder suffered a severe illness.

• Generally, no cash value.

• Some kind of pure health insurance cash plan provides no claim bonus or premium back if there is / was no claim.

• Pure Health insurance can be a rider (have to take the first life insurance) or stand alone (without taking life insurance).