Health insurance is important to have at this time. One is because the products offered can be received in many hospitals and can provide protection of various health risks. Not only that, health insurance can be used for normal to critical illness.
Health insurance is a product that has many benefits. From replacement of money or provision of health services, caused by illness, work accident, personal accident in addition to work accidents, until the replacement of lost income due to a disease or experiencing an Accident. Health insurance is usually also bundled with life insurance that can provide compensation when a person dies.
This means that all costs related to health such as hospital expenses, doctor fees, drug costs, and even operating costs will be borne by the insurance company, which is adjusted to the content of the agreements stated in the health insurance policy that you Have.
Sickness and accidents can come anytime and anywhere. Health insurance provides the right benefits for you and your family (if included), as it specifically guarantees the cost of health or care of family members if they fall ill or have an accident. One of the functions of health insurance can also cover a lot of the costs of hospitals.
Definition of health insurance
In particular, the definition of health insurance is a type of insurance product that guarantees the health costs or care of the participants if they fall ill or have an accident. In health insurance, there are two types of treatment offered by insurance companies, namely in-patient treatment and out-patient treatment.
Some insurances also cover the cost for room accommodation, ICU accommodation, doctor consultation, specialist doctor consultation, surgical action, outpatient, home care, ambulance service, blood Wash, and more. Some insurance also provides cost facilitation for critical illness.
Documents in Need
Completed Insurance Submission Form
Photocopy/Scan KTP
Birth certificate
Family Card
First Premium Payment
How to claim Insurance
In general, there are three insurance claim payment systems that can be done, namely reimbursed, cashless, and compensation.
The reimbursed system is a health insurance claim facility where an insurance participant has to pay or cover any existing medical expenses from your personal money first. It is then charged to the health insurance company by attaching payment receipts received from the hospital.
Whereas, insurance claims with the cashless system is that when you want to pay a fee, you simply show the card of the insurance participant to the hospital who is the partner of the insurance company where we are members.
Furthermore, the hospital will forward the bills to the health insurance company in question. However, usually the health insurance premiums with this cashless system are slightly more expensive than the reimbursed system.
Furthermore, the compensation claim system is where the insurance company will provide daily compensation during your hospitalized. The amount of compensation is usually previously agreed between you and the insurance company.
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