Contents:
- Medical Video: Health Insurance Covering IVF Treatment
- How health insurance works
- What is the process if I want to claim insurance?
Medical Video: Health Insurance Covering IVF Treatment
Health insurance is a system that guarantees or covers medical expenses or care if you experience illness or accident. Some people may have obtained health insurance from their workplaces, parents' workplaces, registered as members of private insurance, or through government programs such as BPJS.
Some work institutions or companies will provide insurance coverage for couples and children for married employees.
At present, all people are required to have health insurance from the government (BPJS), to provide guarantees and ease in covering medical expenses.
In addition, some people also choose to add private health insurance for individuals or families. So, how does health insurance work to cover medical expenses? See here the workflow.
How health insurance works
Health insurance offers various types of products, ranging from outpatient costs to hospitalization.
Outpatient health insurance will provide service protection in the form of costs before and after the hospitalization process, doctor observation, diagnosis, treatment, rehabilitation, and other health services that do not require patients to stay in the hospital.
In addition, health insurance also provides protection for childbirth costs, both normal and cesarean delivery.
To get the benefits of health insurance, you as an insured customer must pay premiums regularly at the specified time. The amount of premium that must be paid will be adjusted to your health condition, level of risk, benefits, and other provisions from the insurer, aka the insurer.
Usually insurance will provide a choice of insurance premiums, which later can be chosen by yourself according to your needs.
Then the premium from each insured customer will be managed by the guarantor to overcome the health problems experienced by other customers and those who make claims. So, the system is the circulation of money from customers to cover the risks experienced by other customers. This is how health insurance works in general.
What is the process if I want to claim insurance?
When a customer who is at risk wants to claim insurance, the insurer will pay the fee in accordance with the agreed conditions.
Before giving a claim, the insurer will ensure the condition of the claim is truly a disaster and not a deliberate incident. In insurance or customer policy agreements, it is usually written an agreement that an incident that has an intentional element will not be borne by the insurance.
In addition, customer policy data will also be listed, any health services that can be claimed or borne by the insurer or insurance company.
Having insurance will help you deal with the future, especially the possibility of unplanned. You will not know when illness or disaster comes, then having insurance can make you safer and more comfortable to deal with various possibilities.
In addition, before you have insurance, first understand how the health insurance work you will choose. Understand the cost of premiums, what treatments can be covered, and how to claim insurance.
