Sciencelovers - Most people often feel worried about their health and those they care about. Sick conditions and various disasters sometime...
Here is the definition of health insurance that you must know before buying the product:
Definition of Health Insurance
Health insurance is one type or insurance product whose focus is to provide dependents and financial reimbursement for treatment and other health costs. The insurance company as the Insurer will reimburse the costs that the customer has incurred for medical purposes.
The definition of health insurance above can give you an idea that you can get insurance for unexpected expenses from the risk of illness or disaster that makes your health decline.
Types of Health Insurance and Their Benefits
There are also different types of health insurance, so the insurance benefits received are different.
You can determine for yourself the type of insurance that is more suitable for your needs with insurance principles that must be the basis for its implementation.
The following types of health insurance exist in Indonesia:
1. Hospitalization Insurance
Inpatient insurance has an insurance function to provide treatment financing for customers as long as the customer undergoes hospitalization due to certain illnesses. This type of inpatient insurance will cover all costs incurred during hospitalization.
With inpatient insurance, you can take advantage of health services to restore your health condition without worrying about how much costs may be incurred during your stay in the hospital.
2. Outpatient Insurance
The second type of health insurance is outpatient insurance which will cover the entire cost incurred as a result of the ongoing treatment process that customers experience. Non-emergency measures that do not require hospitalization will require customers to undergo ongoing treatment.
3. Personal Insurance
Furthermore, there is a type of personal insurance that will only cover personal health costs. This insurance will only cover medical costs for individual customers, so it will not cover health costs for family or spouses.
4. Group Insurance
This type of insurance is often used by companies where the health costs covered are for one group at once. Companies also usually cover the health of their employees not only for the employees themselves but also for a group of employees and their families.
5. Private Insurance
Then there is also private insurance where the agency or company that provides this health insurance service is a private entity. Usually, insurance premiums to private insurance companies are full or higher than government insurance.
But don't worry, you will also get optimal and wider health insurance facilities according to the premium costs you spend to meet the health insurance needs. There is also a more complete variety of services that you can adjust according to your needs.
6. Government Insurance
This type of government insurance is insurance organized by the government or state agencies. Part of the cost of this insurance will be subsidized directly by the government so that customers only need to pay part of the premium.
5 functions of insurance that you need to know
Insurance Function to Recover Hospitalization Costs
In the type of health risk that is quite severe, the patient needs to be hospitalized. The cost of the room is not cheap either. Not to mention other costs, such as:
- Doctor visit services,
- drug costs,
- Lab fees or diagnostic support,
- surgical operation costs,
- And other costs.
In health insurance that covers hospitalization, there is usually a reimbursement of all the costs of this hospitalization. In addition, you can also get a classification based on the class that has been written in the insurance policy.
Replace Outpatient Fees
Some health insurance products also have outpatient benefits. This means that if your health risks are not too severe to require hospitalization, then there will still be reimbursement of health costs.
Outpatient health insurance also tends to be more popular among people who consult and seek treatment. They can also recover in a more comfortable home. Whether the benefits are inpatient or outpatient, of course, everyone's condition is different so that in the end they choose one of these two types of health insurance benefits.
Transferring Risk
You want to always be safe and healthy. However, no one is able to avoid it if it is time for disaster to occur in the form of illness. If you are already a health insurance customer, at least the risk can be diverted and minimized.
It doesn't mean that you expect pain, but when the exam comes, you will understand that one of the functions of insurance can transfer risk. Make sure you are careful in choosing insurance products by considering your health risks.
Helping the Country's Economy
Any country, if its economic growth is good, then its people can live more prosperously. Then, did you know that insurance actually has an important role to help the country's economy?
If you already have an insurance policy, it means that you are also one step ahead in preparing for an emergency. Apart from protecting health and improving the quality of life, it also plays a role in helping the country.
Giving a Sense of Security in the Future
Feeling secure about the future is not always easy for everyone, especially when it comes to health. This health insurance benefit can actually be called the most important function in the long term. Indeed every month there is an insurance premium that needs to be paid.
But the reward is security guarantees that later if it turns out to be sick, then there is no need to bother parents or relatives. Not just one person, but also the family feels safe in the future. Isn't that profitable?
Understand the function of insurance, it's time to make choices
The policies of each insurance company will be different, but prospective users of its services must really understand the contents of the insurance policy and everything that is determined by the insurance company.
This understanding can help to avoid various risks of loss due to misunderstandings about the contents of the policy. The function and principle of insurance is important to understand before making a choice.
The Most Important Health Insurance Benefits
The most important health insurance benefit is about the health service itself. What is certain is that the health services are in accordance with the amount of premium paid.
It is very important to make sure what kind of insurance product you choose is according to the service you need. This is done so that you will get the maximum insurance benefits.
Other Insurance Benefits
In addition to having the most important benefits, health insurance also has other benefits, what are they?
1. Can Reduce Disease Risk
Indeed, insurance products will not prevent a disease from coming, but at least with insurance the risk of disease can be reduced. The risk of the disease can be reduced indirectly from a long time ago physically or financially.
When there is something that requires you to seek treatment at a large cost, insurance can make you focus more on healing. It will be clear the difference when sick and there is no insurance.
2. Set the Monthly Financial Budget Allocation
Maybe you already know that when someone buys an insurance product, then he has a responsibility to pay the premium every month. For this reason, financial arrangements automatically change to regularity.
There must be a budget allocation in such a way that health insurance can be paid off without disturbing other needs. Thus, health insurance can make you more disciplined in managing your monthly finances.
3. Can be an investment and savings
In general, health insurance companies in Indonesia make a policy to return funds when the policy period has expired. Of course there are terms and conditions that apply and are agreed upon by both parties. In your words, the function of health insurance here can be an investment or savings for the future.
What's in your favor is insurance about health services, so it can be lighter when medical costs soar. So have you prepared health services while preparing savings?
4. To be calmer in the future
The function of insurance is about anticipating what will happen in the future. Insurance policy holders get health insurance or protection and can provide benefits when needed. For example, if you already have an insurance policy, there is no need to bother your family if a health problem occurs suddenly. Thus, the insurance benefits here can provide some peace of mind in the future.
