Contents:
- Medical Video: LIC Calculator - Premium, Maturity, Surrender Value, Return, Loan (Hindi)
- 1. What type of insurance do I need?
- 2. Is the insurance provider that I choose right?
- 3. How many hospital options do I need?
- 4. Am I able to pay off the premiums proposed?
- 5. What kind of fund replacement costs do I need?
- 6. What are the inpatient and outpatient services that will be obtained?
- 7. How many limit fees will the insurance cover?
- 8. Is paying the premium easy enough for me?
- 9. Does this insurance cover costs medical check up?
- 10. Is the selected product the main insurance? Not an additional program?
Medical Video: LIC Calculator - Premium, Maturity, Surrender Value, Return, Loan (Hindi)
Health insurance makes it easy for you to get health facilities and relieve treatment when the disease strikes. However, what should be considered before choosing health insurance? Try asking these 10 questions for yourself.
1. What type of insurance do I need?
When you will enroll in insurance, you must be careful not to be easily tempted by all offers. Choose the type of insurance that is needed and according to your needs.
Sometimes many offers are trapping or certain discounts that make prospective customers take the type of insurance package that is not needed even beyond their ability.
2. Is the insurance provider that I choose right?
Choosing an insurance company is not kidding. You must be observant and careful when choosing. Better to choose a company that has a track record that is trusted and of good quality as an insurance provider.
See also what types and insurance services are offered. Also consider the ease of administration and claim process for the insurance provider.
Search for information through the website or contact each insurance provider. Then compare one by one to see which one provides many benefits with good service.
3. How many hospital options do I need?
Of course, the more lists of hospitals that work with insurance providers, the better for you. This makes it easy for you to get medical services anywhere, unlimited in distance.
Choose insurance that has a network with many hospitals whose services are complete and located near the range of your work or residence.
4. Am I able to pay off the premiums proposed?
Health insurance can indeed reduce medical expenses when sick, but do not let you get tortured because you have to pay a premium that is enough to drain the bag.
In choosing health insurance, you must adjust to your and your family's financial capabilities. Compare the various types of insurance available, see what premiums to pay per month and what you get.
Don't forget to look at the provisions for when the premium payment must be repaid and until when the premium goes. This is all you have to know before buying insurance. Do not let when you buy it, you do not undertake this procedure.
Because, every insurance for health has a different system, especially private insurance. There are those that require customers to pay premiums up to 70 years of age, some for life, and so on.
Pay attention to this provision, don't let the money you invest actually make you difficult.
5. What kind of fund replacement costs do I need?
Before choosing health insurance, you must know first that there are several ways to reimburse medical expenses, namelycashless (without cash) and reimbursement (pay first).
You have to understand, which insurance provider you will choose uses the system. Because, it will be different when you are sick.
If the insurance you choose uses a methodcashless, then you will not spend any money when doing treatment. Costs will be directly borne by the insurance company. All you need is proof of membership when you seek treatment.
However, there are also insurance who still use the method reimbursement, this method requires you to pay for the medical expenses that have been made first. You can do reimbursement afterwards by attaching various documents needed by the insurance company.
Know and recognize your current needs, whether insurance is already therecashless or not a problem with the methodreimbursement?
6. What are the inpatient and outpatient services that will be obtained?
Usually, insurance will cover the costs of hospitalization and outpatient care. Be sure to find out what inpatient and outpatient facilities you will get if you choose the insurance.
Whether the cost of drugs, certain medical tests, until a doctor's consultation when outpatient is covered or not. Also ask how much the cost of hospitalization in one day is covered by insurance.
Generally, different types of insurance are also different classes of inpatient rooms obtained. Again, adjust to the needs of you and your family when choosing this health insurance.
7. How many limit fees will the insurance cover?
Even though insurance covers your treatment, not all checks and treatments are covered. Every insurance company has its own set of costs for one customer.
In practice, there are usually 2 limits that apply to insurance products, namely total and limit treatment limits per treatment. Preferably, choose insurance that applies a total coverage limit system instead of a limit per treatment.
If per treatment, for example, this type of limit will limit operating costs by 10 million per year, the cost of hospitalization is 20 million per year, a consultation fee of 10 million per year.
When you experience certain diseases and have to operate more than 10 million, you must bear them yourself. While the total coverage limit is not seen as financing per type of treatment, what is seen is the total.
8. Is paying the premium easy enough for me?
It is better to choose health insurance that is easily accessible, including when paying premiums. Pay attention to how premium payments are determined by the insurance provider. Does this method make it easier for you or even make it difficult.
For example using auto debit or credit card, or through a mini market, post office, or via ATM. Choose health insurance whose premium payments can make it easier for you.
9. Does this insurance cover costs medical check up?
Some insurance companies provide medical check-up(MCU) and some do not provide it. Most do not provide cards. Even if there is indeed this will affect the amount of premium paid. So you need to make sure from the start whether it is covered or not
10. Is the selected product the main insurance? Not an additional program?
There are 2 types of insurance products for health, namely primary and additional insurance.
Primary insurance only covers costs for medical treatment and medical tests only when sick. While health insurance with an additional is the replacement of all hospital costs if for example an accident, critical illness care, until compensation when he dies
This additional health insurance actually functions to optimize health insurance primarily.
For that, you should make sure again whether the premium costs will increase if you choose additional insurance products. Then what are the accident incidents, ask for an illustration until you really understand and are not confused which one to choose.
