Currently, the cost of treatment continues to increase day by day, making our position especially as the backbone of the family becomes unsafe because the disease can attack anytime. But you do not have to worry, now there is such thing as Insurance. Health Insurance will guarantee financial security when you are sick or have an accident. Thus the cost of treatment at the hospital will be borne by the insurance company according to the contents of the agreement listed in the policy.
For those of you who are new and do not know more about the insurance then no longer need to worry, because the following IFY Life will discuss the seven things you need to know before choosing the right and proper Health Insurance because now there are many insurance companies that provide their programs insurance.
7 Things you should know before choosing a Health Insurance
1. Understand the types of Health insurance products
Of course you need to understand a product before you buy it, in health insurance, there are two types of products offered by health insurance companies, namely hospital benefits and hospital cash plan.
The claim system used is cashless or non-reimbursement; usually medical treatment in hospital is done by swiping health insurance card. Meanwhile, the hospital cash plan is a type of insurance product that provides a replacement on a certain amount (nominal) in accordance with the agreement at the beginning of the contract.
For example, $ 50 per day when customers are treated in hospital, regardless of how much the customer actually costs. The claim system is reimbursement, ie the customer pays the medical fee first which will be replaced by the insurance company after filling the form submission of reimbursement.
2. In accordance with your needs
The wide variety of health insurance products often confuse you so you can choose the wrong health insurance and less suitable to your needs.
To prevent this, understand your needs and medical history. After that, select the appropriate health insurance and will ease your financial burden and family.
Research first the insurance programs that fit your needs will you select the new health insurance what suits your needs.
3. Choose pure insurance (term)
If you need complete health insurance benefits but have a limited budget, you should have pure, stand-alone health insurance.
Pure health insurance premiums are relatively lower than insurance plus investment. This is because pure health insurance funds will not be used for investment purposes.
4. See the credibility of insurance companies
The easy way is to see the experience of their agents primarily in dealing with health insurance services and claims process. Do not be tempted and quickly trust the cheap premiums offered with the benefits as well as the complete type of treatment.
Each insurance company has different types of care and premiums for its customers with different coverage details. All information is listed in your policy, so read it and understand it carefully.
5. Know the benefits you’ll get
Before choosing a health insurance, know the benefits you will get. For example, these benefits are a guarantee of the availability of funds needed to finance your health needs and the family as a customer. Thus, you no longer need to worry about health costs.
Simply claim and show authentic evidence then the insurance company will pay the medical expenses at the hospital. Another benefit is you will manage finances well because you have to pay a premium each month.
6. Avoid taking insurance via telemarketing
Insurance agents that do recruitment to customers are generally done by face to face directly. However, there are also insurance agents who contact potential customers by phone or called tele-marketing. Due to the limited time of insurance products can not be explained in detail.
We recommend that you analyze and think about it carefully. And look for more information, before deciding to take their offer.
7. Compare the insurance products from other companies
And the last is to compare insurance products with other companies. The growing number of insurance companies offering various health care products and benefits, should make you have more choices.
Do not just stick to one insurance company alone and in a hurry to make a decision. It’s a good idea to find information about other insurance companies first and compare their insurance products.
By reading the above article on Seven Things you should know before choosing Health Insurance, the authors hope to be useful for those of you who are looking for information before starting.