Contents:
- Medical Video: What happens when you treat health care like a soap opera
- This insurance myth is wrong, but many people still believe it
- 1. Healthy people don't need insurance
- 2. Insurance is only for hospital hospitalization costs
- 3. Health insurance is like saving
- 4. Save tax payments with health insurance
- 5. Only members of the income family need insurance
- 6. Health insurance covers accident insurance
Medical Video: What happens when you treat health care like a soap opera
Health insurance is one of the health insurance facilities that is feasible for everyone to consider. Even so, there are still many people hesitant to make it because it is preoccupied with a number of insurance myths that are actually misguided. In fact, insurance can be a good investment for your future.
So if you are thinking about making insurance, let's straighten out your understanding by reading this article!
This insurance myth is wrong, but many people still believe it
1. Healthy people don't need insurance
No need to wait sick to make insurance. In fact, no one knows when and how pain will approach. Other illnesses or unexpected events, such as traffic accidents or workplace accidents, can happen to anyone and at any time.
Without insurance support, you can sink into the bill of medical care that is not messy. The hospital bill was in fact the cause of the biggest bankruptcy. Health insurance can be a savior when you really need it.
2. Insurance is only for hospital hospitalization costs
Another insurance myth that is still circulating in the community is that the service is only limited to covering the costs of hospitalization or hospitalization. Even though it's not like that. You can also claim outpatient fees with insurance. Claims for reimbursement from insurance include the cost of redeeming the drug, as well as surgery and recovery after surgery
However, that does not mean that all medical expenses will be covered by insurance. All returns will depend on the conditions of your insurance company and the amount of premium that has been approved and stated on your policy.
3. Health insurance is like saving
Many people think that the premium paid regularly every month can be taken at any time needed, such as withdrawing money from a savings account at an ATM. This is a big mistake.
The money that you "deposit" to insurance acts as a guarantee that cannot be contested, just in case Who knows later you will encounter unexpected situations or conditions.
Your account savings may not be able to cover all medical expenses. However, insurance can. Even though you just registered for insurance yesterday and today need treatment, medical expenses can be claimed immediately.
4. Save tax payments with health insurance
This is a health insurance myth that is wrong because it is only understood as a matter of course. Government Regulation (PP) No. 131 of 2000 states that every holder of health insurance will be deducted by a final income tax (PPh) of 15 percent. But this is only valid until 2015.
After 2015 to date, the PP no longer applies to insurance products. Now, the final PPh discount is only charged on the deposit or savings interest that settles in the bank. The difference between the interest on savings received and the premium paid is no longer tax deductible. This view is often regarded as a tax-saving savings.
The main purpose of health insurance is to protect the health of you and your family and to prepare finances in sudden conditions. Insurance is not an investment product.
5. Only members of the income family need insurance
This is another misunderstanding of health insurance. many people think that health insurance is only needed for family members who earn.
Health insurance needs to be owned by every family member. Health insurance can be in the form of individuals or groups. You can register health insurance for your family.
6. Health insurance covers accident insurance
Not all health insurance covers accident insurance. Therefore, you must really understand the advantages or disadvantages of health insurance that you will choose.
Health insurance is different from accident insurance which provides coverage in case of death and material compensation when an accident occurs. Meanwhile, health insurance compensation will be given depending on the type of insurance product and your ceiling.
