Choosing Health Insurance

Willing umbrella before it rains. That phrase is appropriate to have careful planning in anticipation of the worst possibilities, including in terms of health financing. In an age which is totally complex, have health insurance seems more important considering the cost of care and treatment of disease is getting more expensive and unpredictable.


However, choosing the right insurance also is equally important so that you are not harmed in the future. Well, here is a brief exposures within the rubric of Dr. Samsuridjal Djauzi health consultation that was published Kompas, Sunday (22 / 6).Dr. Samsuridjal revealed his views about what to consider before selecting a health insurance:

 Question:

My in-laws 61-year-old traffic accident and need to undergo brain surgery. Thankfully the operation went well and he is healthy again. Only, he was forced to deplete savings he collected for years because of hospital expenses reached USD 20 million. I can not imagine if he had no savings, how the difficulties to be faced. I just got married a year ago. Although our new family, we are planning a health insurance clients. We feel that today's health care costs increasingly expensive and those costs can not be predicted. We have insured cars, because it rightly, we also entered the health insurance. Is not health is a precious blessing of God that need to be maintained at all times?

It's long enough that we plan and health insurance we have contacted several companies. However, we still have difficulties in choosing health insurance. We're being cautious because we're afraid the wrong choice. In terms of our funds have clearances. My wife and I worked so has the spaciousness of funds to pay insurance premiums.

We are especially careful after hearing many complaints an insurance participants were disappointed with health insurance services in Indonesia. Some acquaintances we even chose to go on the consideration of foreign health insurance is more reliable and more extensive coverage of its services. Apparently health insurance services in Indonesia dubious. What was promised was not in accordance with the services provided.

He said, at the time described the officers insurance policy offers all easy. If enough customers get sick just thinking about his illness and the insurance company that will clean up all the costs. In practice, many exceptions that must be considered.

As a doctor who often serve patients who have health insurance, whether the doctor can recommend a good health insurance company? What should be considered before choosing a health insurance? Doctor's advice we needed because my field is finance, while the architect's wife. So, we do not understand the health insurance.Thanks for the explanation of the doctor.

Answer:

Your intentions and wives have very good health insurance. One of the problems in our health services are health care financing. Approximately 70 percent of Indonesian people to fund their own doctor or hospital costs, while health costs continue to rise.Increasingly sophisticated medical technology increasingly expensive health care costs.

Increased health costs not only happen in Indonesia, but throughout the world. Factors that increase the cost is the price of medicines, medical equipment, as well as physician fees, physician fees although the actual element is just a small part of overall health costs.

Although we have been maintaining good health with caution, the disease can occur without warning. Traffic accidents such as experienced in law, for example, an occurrence that is common to families in Indonesia, even approximately 30,000 people die each year because of traffic accidents. So, it is very wise to familiarize yourself Indonesian families protect themselves with health insurance.

By regularly pay a premium, if fallen ill with the assistance of health insurance so that no incriminating family expenditure. We often see families who have to pay fees owed to the hospital.

Actually, in my experience, today's health insurance in Indonesia has been quite good. Support health insurance will depend on agreements between customers and insurance companies. The greater the premium paid more complete support for insurance.

Therefore, you need to look at the support of health insurance coverage before choosing health insurance. Does coverage include outpatient services and hospitalization? Is there a particular disease that is not secured by insurance companies?

Also worth noting where the service. Are you able to choose doctors or hospitals you want or are limited to a designated hospital? All must be considered, including when the effective guarantee applies. For example, there are certain health insurance just beginning guarantee after 30 days after signing the agreement.

Health insurance services are now very diverse. In addition to offering financing guarantees when ill, there is a combine with certain services, such as the premium paid in part will be treated as savings or investment.

Obviously this offer attractive, but usually offered insurance premiums will also be larger. In addition, they are actually participating in the younger age insurance program would get some ease, for example, unnecessary medical examinations and also to remember insurance premiums will increase with increasing age of the customer. So, get health insurance at a young age.

Although you and your family will already be a customer of health insurance, healthy lifestyles should still be carried out. It's certainly a better fit than the costs borne illness despite medical insurance. So, do not leave a healthy lifestyle has become a customer even though health insurance.

I understand the challenges facing Indonesia today's young families. I feel happy to place the health of your family as important elements that need attention. Well, I hope you and your family will be healthy and happy always. (Dr. Samsuridjal Djauzi)

Source : http://nasional.kompas.com/read/2008/06/22/14430512/memilih.asuransi.kesehatan