6 Benefits of Having Health Insurance

Prevention is better than cure "is the most popular health slogan from the past until now. This slogan is true because health is very expensive, it cannot even be replaced with as much wealth as anything.

Because of its importance, the form of protection in the form of health insurance has attracted many people. This health insurance itself provides a number of benefits for insurance participants.

What benefits can be felt by having health insurance? Here's the review:

1. Provision of Room Facilities for Inpatient Care

Patients who suffer from "severe" disease are entitled to hospitalization at the partner hospital of the insurance company to get more intense treatment from the medical side. Facilities during hospitalization, such as medicines, infusions, food, and laboratory checks will be given to patients who are registered as health insurance customers.

Medical expenses during hospitalization will be borne by the insurance company. While other costs incurred after hospitalization will be borne entirely by the patient's family. For example, advanced laboratory check fees and the cost of buying medicines.

2. Cover the cost of hospitalization

The insurance company also facilitates customers with outpatient services, where patients are allowed to be treated at home during the healing process. Costs incurred, such as doctor calling fees, consultation fees, laboratory check fees, and medical expenses will be fully borne by the insurance company.

To enjoy the benefits of outpatient care, customers must pay a higher premium because the type of coverage received is greater and more comprehensive when compared to the benefits of hospitalization.

3. Bear the Cost of Dental Care

Not all insurance companies provide dental care benefits to customers. The reason is because the cost of insurance for this benefit is quite large, so customers need to pay a higher premium.

The types of dental care services that can be felt by customers are also very limited. For example, patching teeth with holes, pulling teeth, and regular consultation. For services such as removing braces, bleaching, and cleaning coral, it is no longer available because the maintenance costs are very expensive.

4. Endure Childbirth Costs

To enjoy the benefits of labor, customers are required to choose an insurance program that provides these benefits along with payment of higher premium fees. The benefits of this one are not mandatory. Customers are allowed to choose or not choose this benefit, depending on the needs.

Childbirth services will be better if used by those of you who have just married or want to have a baby again. Whereas those of you who have participated in a family planning program don't seem to need it. We recommend that premiums paid to enjoy these benefits be transferred to other premiums.

5. Eye Care Costs borne by Insurance

Insurance also provides eye care for customers. Treatments such as changing glasses can now be enjoyed by customers who have paid a special premium to get this benefit.

However, care services received are very limited. Customers are only allowed to enjoy this service once a year. That is, customers who have changed their glasses may no longer change their glasses in the same year.

The replacement costs charged are no longer the responsibility of the insurance party, but personal responsibility as the user.

6. Insurance costs borne by insurance

The cost of medicines needed by patients during the treatment process is borne entirely by the insurance company. The number of dependents given is limited, depending on the premiums paid by the customer.

To get maximum benefits, customers are required to pay a higher premium. If the patient suddenly gets sick and needs a number of medicines for the healing process, then the insurance party is willing to bear the costs of the medicines needed later.

Pay attention to the Insurance Claim Mechanism

In order for the six benefits above to be felt, insurance participants need to pay attention to the mechanism for submitting insurance claims. There are claims submitted with the reimbursement system. There is also a cashless system. Choose the easiest and most effective claim submission system according to your needs.

Understand the terms and conditions that must be completed in detail so that the claim submission process can be processed quickly without having to wait long. Be a wise insurance customer in maximizing the benefits provided.