Contents:
- Medical Video: 3 Things About Senior Citizens Health Plans You Must Know
- Is there health insurance for the elderly?
- What should be considered when choosing insurance for the elderly?
- Pay attention to what age limit has the insurance product
- Adjust insurance with health conditions
- Choose insurance that can support the treatment of chronic diseases
- Pay attention to the history of the disease (pre-existing condition)
Medical Video: 3 Things About Senior Citizens Health Plans You Must Know
Increasing age, the risk of illness becomes even greater. Which was once fit and healthy, growing older, getting more susceptible to disease. Therefore, preparation for entering old age is very necessary, including having health insurance for the elderly. It's not easy to choose and apply for health insurance for the elderly. So as not to choose one, refer to the following information.
Is there health insurance for the elderly?
Usually, every elderly person already has health insurance from the government, namely the health BPJS. However, if you feel you are still lacking in the facilities obtained, you can also apply for private insurance.
Basically, not all private health insurance products apply to the elderly or those who are 50 years old. Most insurers provide a minimum limit of only 50 years to get insurance facilities.
However, take it easy, in some insurance companies there are usually special products for the elderly or seniors. From this product it is expected that health problems in the old days can be managed properly.
That way, the elderly will still get health care in old age with security and the elderly do not need to pay for treatment at exorbitant prices in hospitals.
Usually with private insurance there are 2 types of health insurance for the elderly. Type of insurance stand-alone, which can often be referred to as pure health insurance. There is also insurance unit-link or riders who can get additional benefits in the form of other health protection.
What should be considered when choosing insurance for the elderly?
Pay attention to what age limit has the insurance product
Each insurance company has different rules about the services provided.
In general, insurance companies have limits on insurance financing at the age of 50-70 years. Therefore, always make sure to what age limit the insurance product you choose.
Even though insurance is specifically for the elderly, but certainly there are still restrictions given from the insurance provider.
Adjust insurance with health conditions
Older, the body will be more susceptible to various diseases. Both infectious and non-communicable diseases. As you often hear of "parental illness", this indicates that when you enter the age of the elderly, there are some health problems that must come to you.
Therefore, before applying for insurance for the elderly, you should first know the health condition as a whole and thoroughly with the MCU. From the results of the MCU obtained, you can know which insurance product is the best for you.
Choose insurance that can support the treatment of chronic diseases
Chronic diseases such as stroke, kidney failure, cancer, coronary heart disease that are at risk for the elderly do not cost a little. While the higher the age, the higher the risk of being able to experience a disease like this.
Unfortunately, not all insurers want to provide complete protection against the occurrence of chronic diseases.
Before you determine which insurance product, make sure first, whether the insurance will finance chronic diseases that usually occur in the elderly or not.
Sometimes, some insurance will only finance the treatment of chronic diseases if they have just entered the initial stage. However, again the rules for each insurance are different, so make sure you know the conditions before choosing the insurance.
Pay attention to the history of the disease (pre-existing condition)
Pre-existing condition is a term in a health insurance policy which means a pre-existing condition. All diseases or conditions that have occurred before, and from the agreed time it turns out that this eating happens again will not be financed. Except, you are sick because of an illness or other condition.
For example, someone who has a history of coronary heart disease, chooses to use health insurance with a waiting period of 24 months. Well, if in that period of time he has recurrent coronary heart disease, then insurance will usually not cover the treatment.
Unless he has another disease that is not related to coronary heart disease that has been suffered, the insurance will still help bear the treatment.
Well, this regulation must be very much considered in the elderly health insurance policy. Because, the elderly have a higher risk of experiencing recurrent or recurrent disease, which can occur less than the waiting time. You must understand well how the insurance product policy that you will choose for the elderly.
