What Is Health Insurance and Do I Need It?

Pain is an unwanted event, but it can happen to anyone. Whether it has been prevented or not, if you are sick, the impact is certainly big, including your finances. When falling ill, expenditures that should not exist, become available, this is what disrupts the stability of the household economy. Well, therefore, a solution is needed to avoid spending that suddenly soars when sick. One of them is health insurance. Come on, see about insurance for health!

What do I make health insurance for?

• Age factor. Increasing age, a person will be more vulnerable to certain diseases.
• Work factor. Certain professions make you more vulnerable to unwanted things such as injury, illness, and so on.
• Human factor. This can happen due to the fault of the person himself, for example being inadvertent so that you experience a traffic accident or your lifestyle is not healthy so that you are susceptible to illness.
• Environmental factor. Natural disasters, riots, fires, or other tragedies can also threaten your health condition.

Well, those factors that need to be your consideration in order to make insurance for health. These four things certainly can happen to anyone and at any time, so in the end everyone actually needs insurance.

What is health insurance?

Health insurance is a system of medical expenses underwriting by insurance providers. Of course, the sick person who is covered by his medical expenses are people who are already registered in an insurance.

As you already know, the risk of experiencing pain is unpredictable. Well, this is when insurance can be your savior from heavy losses due to medical expenses.

Technically, if someone is insured (people who have insurance) one day falls sick, then the guarantor (the health insurance party) who will provide health care costs to hospitals, clinics, or pharmacies. For example the cost of consulting a doctor, the cost of medicines, the cost of hospitalization, to the cost of surgery.

Of course people who have insurance need to pay premiums or installments regularly to get this health insurance. Coverage of costs by health insurance will be carried out based on the applicable contract or agreement between the two parties.

What types of insurance for health?

There are several types of insurance for health. Based on the fund manager, health insurance is divided into two types: government health insurance and private health insurance.

Government health insurance, of course, the management of funds is carried out by the government, namely the health BPJS. Whereas the private sector is managed by certain private entities that you have certainly found. The government installment health insurance is usually cheaper than the private sector, but the quality of service between the two is definitely different.

Services from private insurance are also usually more varied, for example you want to choose a reimburse system (first personal payment, then claimed to the insurance company to be replaced) or it can also be directly paid by the insurance.

Private insurance can also be used in many hospitals, more widely. Not always in public hospitals such as insurance issued by the government. More hospitals or health services can be chosen.

In addition to fund managers, health insurance is also divided based on the type of service covered. There are two types of insurance based on this category.

First, the type of health insurance that covers all costs of medical needs needed when sick. This means that when you are sick and need funds, all costs of action can be covered by insurance, without having to choose.

The second is the type of health insurance that covers only a portion of health services. Usually not all actions will be borne on this type, there are several requirements that must be chosen according to the agreed contract.

What are the benefits of having insurance?

• Provide security and protection in health matters.
• Insurance can function as savings.
• With insurance, the risk of exiting large costs does not need to occur at the same time.
• Costs for health care are more controlled.