Everyone without exception should have health insurance that would guarantee health care costs or care when someone falls ill or have an accident. Moreover, although we have been keeping good health, the disease can come unexpectedly. On the other hand, health care costs continue to rise.
Nearly 70 percent of Indonesia to finance their own doctor or hospital costs. There are various reasons that make the community is still reluctant to take the insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.
According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Indonesian Institute of Financial Planning.
Owned health insurance is health insurance should be pure, not mixed with the investment. It is intended that manfaaat obtained higher. For example the replacement cost of hospitalization or surgery is greater.
Tri Djoko added that an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year the insurance company would not it be included again in the program, "he said.
Choosing the right insurance products is not a trivial matter. It takes jelian and thoroughness because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.
To prevent losses due to insurance, there are several things to consider potential borrowers, namely:
- It should be understood that the insurance premium is a cost, not investment. In other words, our money will be lost if during the validity of our policyholders in good health.
- Ask your insurance agent in detail to each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage covers only outpatient services or inpatient care?
- Because of cost, potential insurance buyers should ask a friend or someone who feels more understanding about insurance. Not infrequently an explanation about the disease written in English so that it can lead to a wrong meaning.
- Ask about the claims procedure. The more quickly and easily process a claim, the better kuliatas bureaucratic insurance companies concerned. That is why, consider the track record of the insurance companies will be selected.
- Tell the truth if you already suffer from certain diseases before the inception of the policy.
source: kesehatan.kompas.com
Nearly 70 percent of Indonesia to finance their own doctor or hospital costs. There are various reasons that make the community is still reluctant to take the insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.
According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Indonesian Institute of Financial Planning.
Owned health insurance is health insurance should be pure, not mixed with the investment. It is intended that manfaaat obtained higher. For example the replacement cost of hospitalization or surgery is greater.
Tri Djoko added that an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year the insurance company would not it be included again in the program, "he said.
Choosing the right insurance products is not a trivial matter. It takes jelian and thoroughness because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.
To prevent losses due to insurance, there are several things to consider potential borrowers, namely:
- It should be understood that the insurance premium is a cost, not investment. In other words, our money will be lost if during the validity of our policyholders in good health.
- Ask your insurance agent in detail to each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage covers only outpatient services or inpatient care?
- Because of cost, potential insurance buyers should ask a friend or someone who feels more understanding about insurance. Not infrequently an explanation about the disease written in English so that it can lead to a wrong meaning.
- Ask about the claims procedure. The more quickly and easily process a claim, the better kuliatas bureaucratic insurance companies concerned. That is why, consider the track record of the insurance companies will be selected.
- Tell the truth if you already suffer from certain diseases before the inception of the policy.
source: kesehatan.kompas.com
0 komentar:
Post a Comment