Many health insurance companies who claim their products are the best health insurance, so that people confuse the layman. The question is, of all the best insurance products, health insurance Which is good for you?
I raise up for you, who have realized the importance of having protection. Not a lot of people who have insurance awareness let alone to protect the health of family members (family insurance).
I give special appreciation for people like you who choose the path to find out or information before determining the choice.
People choose to take out generally already aware of the importance of health.
If I may ask, Why do you take insurance?
1. Because health is expensive.
2. The cost of the hospital is increasingly rising.
3. Health condition can not always be foreseen is always good.
4. Not having the protection of office / place of work, if sick, no
lighten the burden of the cost.
5. High risk my job, working in the field.
6. So if treated in hospitals could free.
If the reasons above into your base to have protection, I think almost all health insurance products are able to cover it all.
But you need to remember the disease / health is a serious problem that must be prepared as well as possible, so that before you have to consider the health insurance that you need is not to protect you / family from the health risks today or tomorrow, but a few years or perhaps the decades ahead.
Some important things to consider are:
- How much benefit for hospitalization.
- Outpatient
- Outpatient surgery, etc..
Many people think that by having protection on the state that they will be suitable for her insurance.
Fact: There are many benefits of outpatient / inpatient used by customers
Some people take this protection just want to be double claim of protection that has been provided by the office where she worked.
They think inpatient / path protection is the most important in choosing insurance, you Try to remember when you last hospitalized in the Hospital ?
3 years ... 4 years ... even when I was a former school ... it means that the benefits are rarely used.
Be aware that the benefits of inpatient / path associated with the amount of premium to be paid. When you decide to take this benefit needs to be seen how many days a year you will be protected?
There are 3 things that are more important than just benefits hospitalization / road course, you need to look and be a consideration in choosing a good health insurance, 3 important things are generally not all life insurance companies / health mengcovernya brave, important things that is ...
1 CRITICAL ILLNESS COVER
The most feared disease of all people today is CRITICAL ILLNESS, be it heart, cancer, tumors, stroke, etc.. The disease each year increasing number of patients, due to unhealthy lifestyle, stress, even as obesity.
And according to a survey conducted by the WHO, 90% of people die earlier because of a critical illness. This means that only about 10% of men who die in natural conditions. Hmm .. not so little ...
For critical illness is also cost countless expensive, if it's been hundreds of millions could be imagined ten, twenty and even thirty years later, it could be billions instead? This is what we have to look and see!
Check and ask your insurance agent offer:
1. Does having insurance protection for the critically ill?
2. How many types of critical illness dicovernya?
3. If there is, check how much protection is reserved for critically ill and try to think and count again you've given it enough protection costs compared with the cost requirements at the time of the occurrence?
This is important, because not all health insurance provides protection for the critically ill, some there but have very little cash value, it does not help you!
Do not forget to check and ask, usually good health insurance that will provide free savings benefits when customers critical illness.
The question is:
"With the lifestyle that we run it now, in the span of 20-30 ahead, is there a possibility we exposed one of the critical illnesses?"
2 PERMANENT TOTAL DISABILITY COVER
In addition to critical illness there was something else that was also a high level of risk such as disability due to illness or accident, even a total permanent disability that allows a person was not able to work anymore.
When this happens on the client,
Ask detailed as possible whether conducted by the insurance company:
1. Mengeluarkan cost of protection, then cover policy (breakup), or
2. Mengeluarkan protection and cost saving benefits free of charge on its customers to a certain age, and other protection to keep going.
My advice, choose insurance which gives option number 2, because we all know when someone is having a total permanent disability, automatically he could not do the work up as before, for some companies in Indonesia is a state of such employees will be given consideration for policy "early retirement" on the employee. You definitely understand what I mean.
Oh yeah do not forget to look for insurance that provides protection with a total permanent disability claim is not paid immediately "repaid".
3 FUTURE PROTECTION
If you decide to have a current protection, then you also have to count to what age you will be protected, because of course the difference in 5 years will be very important to you is not it? Health insurance products that claim to be good to have the longest period of protection, especially for the benefit of critical illness (up to 70-year-old client).
In addition, look for health insurance that not reducing benefits / benefits in the event of a claim from one of the critical illness or total permanent disability with a claim that will be accepted if an heir if the insured dies.
Good health insurance is always put customers in a position to "win"
This means that any cost benefit (critical illness / total permanent disability) issued to the customer does not interfere with the cost of benefits (life) other, as much insurance costs glance has great protection, it turns out that mutual benefits to reduce costs.
Ask more details about the company's financial strength not only from the information agent / ads served but real accomplishments achieved by the company.
Do you already have health insurance benefits above? If not, should you question to a financial consultant (agent) of your health insurance.
Many facts occurred, a lot of people off guard to choose not to have insurance, the wrong health insurance, and does not consider other factors.
So as I mentioned earlier that if you are not careful in considering the benefits of protection, even feared would pose a serious problem in financial planning, even some that eventually "broke" as a given claim is insufficient for health care costs, because the focus to see the benefits you will receive later.
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