You are always healthy and never sick, but, Why do I need to take health insurance? Many people think so and we may include one of them. However, ever crossed our minds, what would happen if the accident and illness came suddenly and we had to be hospitalized? We may have to pay the costs of expensive medical treatment until the savings drained, and this of course is not a situation we expect to happen. On the contrary, would not be very helpful if we already have health insurance that can help us in paying medical expenses?
More so for us now that the health costs are increasingly expensive. Paying the doctor, buy medicine, hospitalization are some examples of costs that must be paid when you or a family member became ill.
Lucky those who work in a company that already has health insurance program, so, in part because the troubled health risks can be assisted by the health insurance program. What if companies do not provide such facilities? Or you an entrepreneur? Let's not hesitate and began planning to buy health insurance.
With the purchase of health insurance, the amount of expenditures for health care costs will be relatively stable because of the cost or the annual premium can be calculated with certainty that we make in managing expenses and reducing costs is not unexpected.
In general there are two types of health insurance is a collective health insurance and individual health insurance. Individual insurance is usually reserved for personal or family, while the insurance collectively as found in many companies already provide health protection to employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why? Because of the collective, then the number of individuals or participants who had greater risk of a claim that can be evenly by all individuals in the group. The greater the number of groups or members within a single institution or company, the lower the premiums are actually paid.
Health insurance benefits is a type of insurance that helps the availability of funds if the participant's health insurance or health problems attacked by the disease. All the needs of the doctor visits, hospital stay, cost of medicines in hospitals, all that can be covered by insurance companies. In general, type of treatment or programs that are available are the benefits of outpatient, hospitalization benefits, labor benefits and dental benefits. In general, outpatient benefits are borne by the insurance company is like a GP consultation fee and / or specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In outpatient benefits have maximum limits the use of funds each year. While inpatient benefits that can be enjoyed by the participants of health insurance is like a hospital expenses, laboratory costs, delivery costs, emergency service costs. Dental benefits of prevention, basic dental care, dental care complex, and the installation of dentures. Third-care benefits, ie outpatient care, childbirth, and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of all outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.
The amount of premium to be paid and the amount of value in health insurance coverage is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary with the details of benefits also varies. Usually, insurance companies limit the amount of the total cost that can be used per year.
Interested in taking health insurance? Please select your trust insurance companies, the best insurance course.