publicku.com

Everyone without exception should have health insurance that will guarantee the cost of health care or care when someone falls ill or have an accident. Moreover, although we have been maintaining good health, the disease can occur without warning. On the other hand, health care costs continue to rise.

Nearly 70 percent of Indonesian people to fund their own doctor or hospital costs. There are various reasons that make the community is still reluctant to take insurance services, among others, for fear of insurance agents deceived, troublesome treatment claim, and many are unfortunately out of funds to pay for insurance.

According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. “There are so many diseases that can make a person poor due to spending for property,” said Chairman of the Indonesian Institute of Financial Planning.

Owned health insurance is health insurance should be pure, not mixed with the investment. The purpose is to manfaaat obtained higher. For example the replacement cost of inpatient care or surgery is greater.

Tri Djoko added, an employee who already receive health insurance from any office should still protect themselves with health insurance. “Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year an insurance company would not put another person in the program,” he said.

Choosing the right insurance products is not a trivial matter. Jelian and accuracy needed for fund purchases of our customers do not belong to someone else, but yours. Loss or risk of error remains borne buyers purchase insurance, not the other party.
To prevent losses due to insurance, there are some things to consider potential borrowers, namely:

- It should be understood that the insurance premium is a cost, not investment. In other words, our money will be lost if during the validity of our policyholders in good health.

- Ask your insurance agent for the detailed each item that is written in the policy. For example, an exception condition that the disease is not guaranteed, whether the insurance coverage includes outpatient services or inpatient care?

- Because of the cost, insurance buyers should ask a friend or someone who felt more aware about insurance. No explanation of the disease is rarely written in English so that it can cause the wrong meaning.

- Ask also about the claims procedure. Increasingly fast and easy claims process, the better kuliatas related insurance company bureaucracy. That is why, notice that the insurance company track records will be selected.

- Tell the truth if you have certain diseases before the inception of the policy.