The development of insurance showed a hefty figure high in Indonesia, public awareness of the importance of a protection against health, life and their assets are one of the causative factors. People are now more intelligent and understand the benefits that can be obtained from an insurance service.
It is also certainly welcomed by the provider of the insurance service, where they try to always innovate and bring forth a variety of insurance products. This is done to meet every customer's needs and also gives many options that can be tailored to the interests and needs of each user of their services. The number of companies engaged in the field of insurance services is also very, much, this of course makes a business competition, which is quite tight, so the companies vying to provide the best service for the users of their services.
1. Choose Insurance Meticulous
There are currently various types of insurance that you can make it as an option, this of course makes you should really observant in selecting and choosing one insurance services will be used. One of the services most used insurance is health insurance, in which the number of its users is very high when compared to other types of insurance.
When you decide to use the services of health insurance, then surely you must understand all policies and rules set out in the insurance policy, this right will prevent You from a variety of losses that could have been caused by inappropriate understanding of the content of the policy issued by the insurance company. You certainly don't want to experience such things, isn't it?
Even though it looks the same, but every health insurance policy issued by an insurance company is going to have differences and advantages of each. This should You be aware of before making a decision, where in many cases some clients feel disadvantaged due to lack of understanding and conditions contained in the policy.
2. Understand the needs
The main thing you need to do before choosing health insurance is to understand clearly about the need for insurance that you will use. This will really help you to find and select the most appropriate health insurance for you to use, so you can get the maximum benefits from the use of such insurance. Customize the health insurance with health needs You and other family members, be aware of any services provided by an insurance company in detail.
3. Select the type of Protection
On some of the insurance company, you can choose a specific protection service outside of standard services that they provide, this of course will be accompanied by the imposition of a fee for additional premiums. However, by the presence of the system, then you can get a complete service and best suits the needs of you and your family. Select the only service that does really need, so that the amount of premiums to be paid can be lighter.
4. Do the comparison
A large number of service providers insurance services company, of course makes you have a lot of options that can be considered. Do a comparison between one insurance company with other companies, this needs to be done carefully, so you can find the best health insurance service you want.
5. Adjust budget
Things are no less important to consider is the financial budget you have for a health insurance service, lest the heavy premiums thus making your finances become distracted. Insurance is a fixed expenditure that will last for a long period of time (a few years), so that it can be ascertained that this expenditure heading will greatly affect your overall financial condition, therefore need to be considered mature before you take a decision.
This can also be done by means of creating a simulation of the payments, you can ask the staff of the insurance company to assist you in doing this. By performing a simulation, you can measure your ability to pay Your insurance premiums and insure against any gains you would get from such insurance because you have the opportunity to ask a wide array of information to staff the insurance company that you encounter.
6. Consider the credibility of the insurance company
When taking the decision on the company's insurance provider, then it is mandatory for you to look at and consider the credibility of the company, this will help you to avoid a number of losses that may occur in the coming days due to the unprofessional actions of the company.
Search and collect accurate information on the performance of services and insurance companies, you can find all of this easily via the internet or from friends or family who have used their services before. Be sure to select the best service companies and has a reputation and credibility in the community.
7. Use Of Third Party Services
When talking about insurance policies, then you will often have difficulty understanding the policy content in detail, this of course raises the potential harm to You in the future. To find and take decisions on health insurance that is most suitable and appropriate for you to use, then there is no harm in asking for Your assistance to professional third parties, in this case called "broker". The insurance broker will help you to analyze your needs and also choose the services of health insurance from an insurance company that is most appropriate for your use.
8. Consider Family health insurance
Currently there are insurance companies that provide health insurance for the family, where you only need to use one insurance policy to all members of the family. It is very effective and more efficient because of the amount of the premium will be paid is certainly lighter, if compared to the insurance system of applying one policy to any one person. You can consider using the services of health insurance with this system, especially if you and other family members indeed actually haven't used the services of health insurance from any insurance company before.
9. Understand system that Applied
Basically the insurance company applies a system of cashless (using card participants) or reimbursement in their service. Both of these things will be very different and worth being a consideration for you. In cashless system you will find the ease at the time of need of health care at the hospital, where you just need to bring and show Your membership card at the time of registration at the hospital. You also do not need to perform a number of deposit if it is going to get inpatient treatment, so the treatment can be run quickly and easily.
Whereas in the reimbursement system, you must make a deposit at the time of registration of the hospitalization, and even you must pay the entire cost of treatment incurred in hospitals. After the completion of treatment, then you can make a claim to the insurance by means of the payment receipts to include, it is certainly going to be very troublesome, considering you can be sick anytime and even at the time did not have a fee to pay for treatment at the hospital.
10. The hospital Partners
Usually insurance companies already have a partnership with a number of hospitals that they select, the more the number of hospitals to their partners, then you will be increasingly easy to access them. In doing so you will have no trouble in getting the health care you need. Make sure you select the insurance that has an extensive network and cooperation with many hospitals, especially for you who choose the system of cashless because this insurance service is valid only in a hospital that has a cooperation with the insurance company you use.
Understand and use the best
Health insurance is basically a product that has a range of provisions and rules are quite complex, so for that you must understand and clearly understand about contents insurance policy you use. This will help You to avoid problems and losses in the days to come, so you can get the maximum benefits from the use of health insurance you choose.