9 Strategies for Choosing the Right Health Insurance

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9 Strategies for Choosing the Right Health Insurance

The development of insurance shows a fairly high number in Indonesia, public awareness of the importance of protection for their health, life and assets is one of the factors causing this. People are now smarter and understand the benefits that can be obtained from an insurance service.

This is certainly welcomed by insurance service providers, where they try to always innovate and give birth to a variety of new insurance products. This is done to meet all customer needs and also provides many choices that can be tailored to the interests and needs of each of their service users.

The number of companies engaged in insurance services is also quite large, this of course creates a fairly tight business competition, so these companies are competing to provide the best service for their service users.

Observant Choosing Insurance

Currently there are various types of insurance that you can make as an option, this of course makes you really observant in selecting and choosing one of the insurance services to be used. One of the most widely used insurance services is health insurance, where the number of users is very high when compared to other types of insurance.

When you decide to use health insurance services, then it is certain that you must understand all the policies and rules set out in the insurance policy, this right will prevent you from various kinds of losses that could arise due to an inaccurate understanding of the contents of the policy issued. by the insurance company. You don’t want to experience that, right?

Even though it looks the same, each health insurance policy issued by an insurance company will have their respective differences and advantages. This is what you should pay attention to before making a decision, where in many cases some customers feel disadvantaged due to a lack of understanding and the provisions contained in the policy.

The following are some points that you can make as the right strategy in choosing health insurance:

1. Understand Needs

Understand Needs

Understand Your Needs For Insurance via tribalwomanmagazine.com

The main thing you need to do before choosing health insurance is to clearly understand the insurance needs that you will use. This will really help you to find and choose the most appropriate health insurance for you to use.

That way you can get the maximum benefit from using this insurance. Adjust the health insurance to the health needs of you and other family members, pay attention to every service provided by the insurance company in detail.

2. Select the Protection Type

Select Protection Type

Select Protection Type via financialtribune.com

In some insurance companies, you can choose certain protection services outside of the standard services they provide, this of course will be accompanied by the imposition of an additional premium fee. However, with this system, you can get complete services that best suit the needs of you and your family. Choose only services that are really needed, so that the premium amount that must be paid can be lighter.

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Also Read: Microinsurance: Definition and Benefits Provided

3. Make a comparison

Make a Comparison

Do a Comparison via housingvoice.co.uk

The large number of insurance service providers, of course, makes you have many options to consider. Make comparisons between one insurance company and another, this needs to be done carefully, so that you can find the best health insurance service you want.

4. Adjust to the Budget

Adjust to the Budget

Adjust to Budget via thebestofinsurance.net

It is no less important to consider is that with the financial budget you have for a health insurance service, don’t let heavy premiums actually interfere with your finances.

Insurance is a fixed expense that will last for a long period of time (several years), so you can be sure that this expense item will greatly affect your overall financial condition, because it needs careful consideration before you make a decision.

This can also be done by creating a payment simulation, you can ask staff from the insurance company to help you in doing this.

By doing a simulation, you can measure your ability to pay for insurance premiums and determine what benefits you will get from the insurance because you have the opportunity to ask for various information from the insurance company staff you meet.

5. Consider the Credibility of the Insurance Company

Company Credibility

Gets Good Credibility via healthindemnity.info

When going to make a decision regarding an insurance service provider company, it is mandatory for you to see and consider the credibility of the company, this will help you to avoid a number of losses that could occur in the future due to unprofessional actions from the company.

Find and collect accurate information about the performance and services of insurance companies, you can find all this easily via the internet or from friends or family who have used their services before. Make sure to choose the best company service and have a high reputation and credibility in the community.

6. Use Third Party Services

Use Third Party Services

Use Third Party Services via clickmyquote.com

When talking about insurance policies, it is often difficult for you to understand the contents of the policy in detail, this of course creates potential losses for you in the future. To find and make decisions about health insurance that is most suitable and right for you to use.

There is nothing wrong with asking for help from a professional third party, in this case it is usually called a “broker”. An insurance broker will help you to analyze your needs and also choose health insurance services from an insurance company that is most appropriate for you to use.

7. Consider Family Health Insurance

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Consider Family Health Insurance

Consider Family Health Insurance via daily.com

Currently there are insurance companies that provide health insurance services for families, where you only need to use one insurance policy for all family members. This is very effective and more economical because the amount of premium to be paid is of course lighter, when compared to the insurance system that applies one policy for each person.

You can consider using health insurance services with this system, especially if you and other family members really haven’t used health insurance services from any insurance company before.

8. Understand the System Applied

Company policy

Insurance Company Policy via vonemen.com

Basically, insurance companies apply a cashless system (using participant cards) or reimbursements in their services. These two things will be very different and should be taken into consideration for you. In the cashless system you will find convenience when you need health services at the hospital, where you only need to bring and show your membership card when registering at the hospital. You also don’t need to make a deposit if you are going to get inpatient care, so treatment can be carried out quickly and easily.

Meanwhile, in the reimbursement system, you are required to make a deposit when registering for hospitalization, and you are even required to pay off all medical expenses incurred at the hospital. After you have finished getting treatment, you can make a claim to the insurance by including the payment receipt, this will certainly be very troublesome, considering that you can get sick at any time and even when you don’t have a certain amount of money to pay for treatment in the hospital.

9. Hospital Partners

  Associated Hospital Services

Usually the insurance company already has cooperation with a number of hospitals that they choose, the more their partner hospitals, the easier it will be for you to access them.


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