Register yourself and your family at health insurance services is a way to ensure the best treatment when sick. Both the government and private sector in Indonesia provide various health insurance services that cover various services.
The government provides KIS or Healthy Indonesia Card, while many private companies also provide insurance with various amounts per month. Private companies have also guaranteed the good health of all employees and family members.
Non-employee workers or entrepreneurs can register independently to get health services through insurance. We will discuss more complete information regarding health insurance services in the following explanation!
Health Insurance and the Future
Health insurance is a service that covers the owner's medical costs, from outpatient services, inpatient care, to medication redemption. The service system provided is in accordance with the amount of contributions or deposits given by each person per month.
The more money you set aside, the more or more complete health facilities you will get. Meanwhile, the smaller the amount of money given per month, the more limited the health services available.
One of the important services covered by insurance is delivery costs for pregnant women. The costs of caring for mothers and children for several days are fully covered by insurance based on the amount of money set aside per month.
An equally important benefit is the medical check-up service which provides accurate results regarding a person's health condition. Carrying out a medical check-up once a year can be a reference for improving health quality in several aspects.
Reasons to Have Health Insurance
Basically, health insurance services are not completely free because the services provided are based on the amount spent. Even so, you won't be too surprised if you suddenly get sick because health insurance has the following benefits!
- Access to More than One Hospital
Private and government insurance provides more flexible access to more than one hospital in various regions. Private health insurance is usually more flexible and wider in scope and does not require too much complicated administration.
Meanwhile, government health insurance users must go through the first health facility to gain access to the hospital. However, in urgent conditions that require using the emergency room, you can use any hospital. - Easy Administration Process
The administration process is fairly easy because there is no need to use cash or digital money because everything is paid automatically by insurance. You don't need to worry if you are having money difficulties, as long as the monthly insurance costs are smooth.
For private health insurance policy holders, the administration process is many times easier because they don't need to visit many health facilities, such as BPJS. In the queuing process, many hospitals usually separate insurance patients from the general public. - Get Cash Compensation
The private insurance system collects funds from each policyholder every month. The funds collected are not only to cover the policy owner's hospital treatment costs, but also to ensure patient care.
The cost of food and transportation for waiting for the patient is also included in the calculation of the patient's health insurance services. The health insurance services provided are the reason the middle and upper classes tend to use private insurance rather than the government.
Tips for Choosing Health Insurance
There are many health insurance services from various companies, you need to be careful in choosing the right one. Every service certainly has good goals, but everyone has their own criteria, where generally the focus points are:
- Choose According to Your Needs
Make sure to look at more than one health insurance service to find the service you need most. The most important thing in relying on health insurance benefits is choosing facilities according to your needs, not just based on promotional offers.
It could be that the promotional offers provided do not match your needs. It's better to consider long-term needs than to be tempted by short-lived promotions. - Ensure the Agent is Professional
Make sure the agent has professionalism and has handled several old clients well. This is important as an illustration so that you can consult and get accurate information from the agent offering the insurance policy.
The criteria for a professional agent is usually to be responsive when asked. Apart from that, he has broad insight so he can provide policy recommendations according to needs. - Fill out the SPPA correctly
SPPA is a Letter of Application for Insurance Coverage, where you can make a claim for the costs that have been paid so far. If the monthly contribution amount has not been used up, the value can be claimed at a later date.
However, you need to fill out the SPPA first which contains various points regarding the provisions for taking insurance money. Make sure the contents can be accounted for at a later date. - Pay attention to the Policy Statement
Another point that you must pay attention to when signing an agreement with an insurance company is to pay attention to the policy points. Make sure there is no misinformation that feels detrimental to you in the future.
Understanding the information in the policy means that you agree on all points of cooperation with the private insurance company. Each company has different policies, make sure you understand them well.
Health is a basic human need that cannot be postponed, especially in urgent situations, such as accidents. People who register as recipients of an insurance policy will receive various services as follows:
- Access to health services is more flexible to many hospitals.
- Waiting patients have the opportunity to receive cash compensation.
- The administration process is more practical and easier.
Beneficiaries can get the best health insurance services as long as they choose a professional agent and choose a policy according to their needs. The amount of money can be disbursed as long as all the provisions in the SPPA have been fulfilled properly.
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