There are many things that we don’t know, but are actually very important, when choosing our family insurance. Here are six tips on how to choose the right health insurance.
I am aware of the many obstacles that people face when choosing health insurance. This is not a user-friendly product like a gadget, without the need to read the manual book, you can use it overnight. This is an insurance product whose features and conditions are complex.
I want everyone to be able to choose an insurance product whose benefits suit their needs. Not because of the choice of the agent or persuasion of friends, but because the choice was based on an understanding of his needs. For that, they must know how to choose the right one.
1. Register for health insurance when healthy
I once heard from someone who wanted to insure his mother who was admitted to the hospital ICU. He confessed, “I only realized how important insurance was after my mother was hospitalized.”
In this case, there is a pre-existing condition. Disease conditions that existed before you became a health insurance customer. These existing diseases are generally not covered by insurance companies. In fact, under certain conditions the insurance company may want to cover it.
The point is simple, apply yourself to insurance, if healthy. When you are sick, your application will likely be rejected.
Employment law in insurance is a law of possibility. From every policy issued, there is a possibility that the customer is in good health, there is a possibility that the customer is sick. Where the customer will be, sick or not, no one knows. Hence, insurance companies can operate and profit.
If a customer received is sick, he will definitely suffer a loss because the hospital fee is greater than the policy premium. That is why insurance companies do not want to accept customers who are already sick. They are profit institutions, not social institutions.
So, if you feel you need health insurance, apply now. Don’t delay. The sooner, the better because the less likely you are to contract the disease, the more likely it is that your application will be approved.
2. Register for Young Age
As you get older, is your risk of illness or death higher? Of course, yes. It is a law of nature.
Insurance companies calculate health insurance premiums based on the law. Despite their good health, older people pay higher premiums than younger people. Age determines the premium rate.
Therefore, apply for insurance as early as possible. First, you save because paying premiums is cheaper. Second, the risk of getting the disease is smaller at a young age, so the possibility of getting insurance is greater.
Unfortunately, I see many friends who are young and earning enough (to pay premiums) are reluctant to take out insurance. The reason is, feel healthy and see insurance as a cost. Do not assume that insurance benefits are tangible, which can be seen and enjoyed (gadgets are tangible). This is certainly wrong thinking.
3. Don’t make a cash plan
A mother once asked me that there are health insurance premiums that are quite cheap. At that time, the premium was half what I had by giving me 1 million rooms per day, while my room allotment was 800 thousand per day. So what I chose looks unattractive, higher premiums and lower room rates.
Investigate owning a probe. I know the reason, the 1 million rooms per day that you mentioned earlier is a type of insurance called a cash plan. A cash package is a type of option with benefits based on how long you stay in the hospital. For example being treated for 10 days, the insurance will replace 1 million times 10 days, that is 10 million. Regardless of how much the bill actually was.
Meanwhile, good health insurance is one that makes reimbursements based on bills for hospital care costs. There are room fees, doctor fees, drug fees, lab fees, surgery fees, specialist fees, etc., each of which has its own ceiling.
So with this scheme, it is less likely to experience an overplafond which requires us to spend on our own to pay for additional costs that are not covered by insurance.
This is an illustration of how different health insurance benefits compare to cash packages.
Cash packages look cheap at lower premiums. But if we calculate carefully, comparing the premium with the benefits, cash packages become expensive.