Should I Buy Another Health Insurance?

 SHOULD I BUY ANOTHER HEALTH INSURANCE?

Have you ever heard the saying 'it's better to have a heartache than a toothache'? Yup, the saying is true too, friend. Because currently the cost of treating a toothache is relatively expensive, especially if you don't have protection from health insurance, of course it can make your pockets empty and your head dizzy. In fact, it's not just toothache that requires expensive medical expenses. For that, you need to know the importance of having protection from health insurance. So here are 3 important reasons to have health insurance:

1. Health costs are expensive

It's better to prevent than to treat, because if you fall sick, you need to pay medical expenses which are not cheap. By having protection from health insurance, you only need to pay a premium that is lower than the costs that should be incurred when facing a certain risk so that you are required to undergo medical action. Even health insurance allows participants to get preventive measures for the occurrence of a health risk for free, such as administering vaccines, screening, routine medical examinations even though you have not contracted the disease.

2. Health costs increase from year to year.

Like other needs, the cost of health services also increases every year. For this reason, you can relieve the need for unexpected health costs by having protection from health insurance from an early age.

3. Anyone has a risk of getting sick

Even though you feel young and feel healthy, you still need to anticipate the risk of illness that might occur in the future by having health insurance. The benefits of protection from insurance are felt especially if you have a history of hereditary diseases. Health insurance can protect you from unexpected medical costs and the value is quite fantastic. Health insurance can also provide benefits in the form of guaranteed health services from health facilities that work with insurance companies so that you will get fast and appropriate treatment.

Do you understand the importance of health insurance? Now you can buy an insurance policy through an insurance company that is licensed and supervised by the OJK. Generally, companies in Indonesia provide facilities or benefits in the form of health insurance protection to their employees. You can take advantage of this facility. If you already have health insurance from your office, do you need to buy other health insurance? To answer that, you need to read the health insurance provisions provided by the office. If you feel that there are health services that are excluded from the health insurance provided by the office, you can complete them by buying another health insurance.

So, can we take advantage of two health insurance? The answer is yes. Because we can use double claims, namely protection or reimbursement of costs borne by additional insurance policies for claims that are not covered by the main insurance policy (which has been provided by the company where you work). That is, this additional insurance policy (outside the insurance policy at work) is only a complement or support for the costs that insurance has paid from the office. If the insurance policy at your workplace does not replace all of your claims, then your additional insurance policy can replace the rest.

So in closing, here are important tips for taking advantage of health insurance:

1. Choose an insurance product that suits your needs and abilities, not because you are interested in the promotions and prizes offered or because you have to. For example, if you are planning to have children, you can look for health insurance that covers pregnancy and childbirth care.

2. Make sure the insurance company already has an OJK permit and the insurance agent used is a professional agent who has agency certification and is able to help, explain in detail and take care of our insurance needs in the future.

3. Get to know the service quality of the insurance company that will be chosen, especially in relation to claims services. Find out the information through the internet or relatives and friends.

4. When you already have the product and insurance company of choice, make sure to fill in the data completely, honestly and clearly in the Insurance Coverage Request/Application Letter (SPPA) or Life Insurance Request Letter (SPAJ) and don't sign it blank or incomplete.

5. Ask in detail about the benefits provided, the conditions required and the exclusion of guarantees where this can be a reason for refusing to submit a claim by the insurer. Understand the terms of hospitalization such as length of stay, claim time, minimum ER treatment period, and administrative provisions at the health facility used.

6. Make premium payments in a timely manner so that there are no delays (outstanding) which can result in unpaid claims.

7. If the policy has been received, carefully read the policy and all attachments that have been received. If it is not in accordance with what was conveyed by the agent, the policy can be canceled or changes can be made.

Friends, have an insurance policy while you are still healthy and while you are young. Remember, the insurance company only protects your health when the policy starts to be taken. So, if you have a product when you are sick, of course the history of your illness and the potential for future illness could be included in an exception that is not covered by health insurance products. That's an explanation of health insurance. Remember even though your office has provided health insurance or facilities, you can still add other health insurance benefits if you still need them.