Providing many benefits, this is a wise way to choose health insurance
KONTAN.CO.ID – JAKARTA. No one knows what will happen to you in the future. Protecting yourself with health insurance can be the best way to minimize risk. However, you must be wise in choosing products so you don’t regret it later.
Widya Yuliarti, Financial Planner of Finansialku.com, explained that health insurance is very important for everyone, especially those who are the backbone of the family.
Health insurance can keep cashflow family when there are family members undergoing intensive health care.
However, some people are still confused about the right time and what type of health insurance to buy.
Understandably, insurance companies offer various types of health insurance products. If you are not careful, you might be miserable by the large premium value.
If you are among those who are still confused about choosing health insurance, consider the following reviews.
1. Officially becoming an employee or entrepreneur
When did I start buying health insurance? The answer is anytime.
You are not limited in time to buy health insurance products. However, financial planners recommend that you purchase health insurance premiums as early as possible.
Risza Bambang, OneShilth Financial Designer, advised us to buy health insurance premiums when we are already working. As for Widya Yuliarti, Financial Planner at Finansialku.com, suggested that we start having insurance when we already have our own income.
The younger we buy health insurance premiums, the more benefits we can get. One of them is a more affordable premium price.
“The older you are, the higher the premium value that must be paid,” said Widya. Understandably, the older our bodies are, the more susceptible to disease.
2. Find products as needed
Risza suggests that we buy health insurance products according to our needs. Thus we are not burdened when paying premiums every month.
“Health insurance is a secondary need, so there is no need to overdo it,” he said.
If you have no problem sharing the inpatient room, please buy third class care products. Conversely, if you like to seek treatment abroad, yes, choose a product that provides these facilities.
Currently, there are many health insurance products available, so you have many choices. Get rid of feeling lazy to study each product in order to get the product that suits your needs.
Get rid of the sense of prestige so that the value of the premium that must be paid is not choking your neck.
3. Learn the health insurance payment system
What you should not miss is learning the health insurance payment system. Don’t make it hard for you to pay bills because you choose the wrong product.
Risza explained, there are three health insurance payment systems. First, with the system reimburse that is, you have to cover the entire hospital bill. Only after that, you can submit a claim to the insurance for reimbursement of payments.
Second, with a card system, you simply submit your insurance card for payment of medical bills. ThirdWith a compensation system, the insurance company will give you cash during your illness.
You will get funds according to the agreement made. That way, you can collect the money for bill payments.
