Understanding, Benefits, and Types of Health Insurance


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Definition of Health Insurance. In the modern era, everything is now very expensive, and one of them is the high cost of treatment. But behind this modernization, even though it is expensive, everything becomes so easy and practical. In the world of health itself, there is no need to deny that everything is also increasingly expensive, the costs of medicine, care, and others are all increasingly expensive.
Health Insurance Benefits
health insurance benefit plan
On the other hand, we as humans are very susceptible to disease, many things can affect and worsen our health, starting from our living environment, the food and drinks we consume, all carry risks to our health, it's no wonder that humans are easier now exposed to disease.

The easier the human is to fall ill, the high cost of treatment, and the large burden of health risks that we feel, these are the reasons that trigger the current health insurance. Health insurance has now become one of the most favorite insurance in the world, this is not surprising because it is caused by the reasons mentioned above, and also this health insurance can also make someone calm and not have to worry anymore with the high cost of treatment, because if you get sick at any time, the insurance company will cover all medical expenses.

If you are a person who is so concerned about health, and not sure about your financial ability to finance all medical expenses, maybe health insurance is the right solution for you. But it should be noted, before you decide to use health insurance, you should know in advance what is meant by health insurance? What are the benefits? And what are the types? This is important for you to do so that you are not wrong in taking out insurance. Well, to learn about health insurance, you can listen to reviews about the understanding, benefits, and types of health insurance that I provide below.

Definition of Health Insurance

Basically what is meant by health insurance is insurance that specifically addresses the risk of health, health insurance will cover all costs required if you fall ill, including if you are sick due to an accident.

But of course the benefits you get from health insurance are not free, if there is no assistance from the government or from where you work then you are required to pay a premium. The amount of this premium can vary depending on many things such as the level of risk borne and administrative, and of course how much premium you have to pay will also be determined by the insurance company.

You can get this health insurance in various types of insurance companies, precisely in social insurance companies, life insurance companies, or you can also get in general insurance companies.

If you have trouble getting insurance, the central government and also some local governments also provide assistance, health insurance assistance from the government or often called Jamkesmas (public health insurance), and also health insurance and health insurance for health insurance assistance at the provincial and district level / city, but this assistance is only given to those with low income.

Types of Insurance

Health insurance can be divided into various types, meaning there are several things that you can choose. Among them are based on the type of care, fund manager, membership participation, the amount of funds borne, the insured party, and how to replace it.

Based on the type of treatment, health insurance can be divided into two, namely inpatient (in-patient treatment) and outpatient (out-patient treatment). While based on fund managers, in health insurance there are two parties, namely the government and the private sector. You also need to know, there is an issue that government-managed services are not as good as those managed by the private sector, so that not a few customers feel disappointed over the services the government provides, this might be considered if you are going to take health insurance.

Based on membership participation, health insurance can be carried out on an obligation or voluntary basis. In large companies sometimes require employees to take part in health insurance programs where premium payments are made by deducting salary, so that inevitably employees must follow company rules, this is certainly different from people who are free to buy or not health insurance according to their own wishes. Whereas if viewed based on the amount of funds covered, it can be divided into two, namely the first all costs borne by the insurance company and the second insurance company only bear high costs only, so that the low costs incurred are not borne.

In health insurance, the party covered can also be divided into two types, namely individuals and groups. Insurance companies can provide health protection to individuals as long as they are Indonesian citizens. In addition, it can also be given in groups, for example given to an organization, company, or can also be given to a family, with the general conditions in the group must be at least 5 people. Meanwhile, if viewed based on the method of replacement, health insurance can be done in two ways, namely filing compensation using a member card and also filing compensation by the way the customer pays the entire treatment first, then it will be replaced by the insurance company.
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Health Insurance Benefits

Health savings, health insurance can be your health savings, through premium payments that you make in a period will be very useful for you later when things that are not desirable happen. Not everyone can save, most savings will run out for non-essential purposes, as a result basic needs such as health are forgotten. But by paying health insurance premiums, you are like being forced to save regularly and discipline because you are required to pay the premium.

Relieve the burden, basic human needs are not just health, there are still many other basic needs, it's good if we gradually reduce the burden of life, and one way is to take part in a health insurance program. If in the future you experience disaster, then you do not need to worry about the costs needed, so you can use the funds you have for other needs that are no less important.

A comfortable and peaceful life, I'm sure you love yourself, with your wife / husband, with the children and family you have, as much as we can to protect those we love, especially this life feels full of threats that make we always worry. However, fortunately there is health insurance, with health insurance we can at least guarantee that maximum care and treatment can be given by the people we care about, so that worry can be reduced, life feels more comfortable and peaceful.

Okay, maybe that's just a review of the understanding, benefits, and types of health insurance that I can give you. Hopefully the reviews about the understanding, benefits, and types of health insurance above can add insight and knowledge of you all.

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