Features Of Health Insurance For Families

Features Of Health Insurance For Families - Family is the most valuable treasure. You will do everything for your family to live comfortably and happily. What if a family member gets sick? Of course you will be very worried and try to find a cure for the disease. If the disease is severe enough and requires hospitalization, it's a good idea to have family health insurance. Family health insurance will be charged if a family member is hospitalized due to an accident or accident.

Features Of Health Insurance For Families

How to choose the right family insurance? You must first know the characteristics of the best family health insurance so you don't choose the wrong one. Come on, see tips for choosing the best family health insurance so you don't choose the wrong one:
Features Of Health Insurance For Families

1. No Limit Per Treatment

In general, insurance companies apply two types of limits, namely the combined limit of all treatments and the limit per treatment. This limit will limit the maximum number of health expense claims. For example, the combined limit of all treatments will limit the cost of R250 million a year, while the second type limit will limit the cost of surgical treatment to Rp. 10 million a year, consultation fees to Rp. 10 million a year, and so on.

2. Ceiling and premiums according to needs and abilities

A good family health insurance is one whose ceiling and premiums are according to your needs and abilities. Remember that a high ceiling will have an effect on expensive premiums, but on the other hand, the benefits you get are also great. Vice versa. So before choosing insurance, first make sure how big your needs are and adjust it to the family's financial ability so that it is not burdensome.

If so, choose insurance that applies the first type of limit that does not limit the cost per treatment. So that you are more flexible in treatment with various kinds of treatments as long as the total limit is still there.

3. Cashless Claim Payment Features

Health insurance has two claims coverage features, namely reimbursement and cashless. In the reimbursement payment feature, you have to cover the cost of treatment or treatment first if one of your family members is sick.

After that, the total cost of the treatment will be reimbursed by the insurance company. While the cashless payment feature, claim replacement will be easier. You don't have to pay anything, just settle the bill by swiping the insurance card you have.

However, the cashless payment feature can only be used at hospitals that have collaborated with the insurance company. If you haven't worked together, even though insurance has a cashless claim payment system, you still have to pay and settle with reimbursement.

4. Having an Extensive Partner Hospital Network

There are many advantages if the family insurance company you choose has an extensive network of partner hospitals.

First, it will be easier for you if you take a cashless payment system that requires it to be used at a hospital that has collaborated. Second, when you have to go out of town because of work or on vacation with your family and have an accident or illness, you have many choices of partner hospitals.

So that when you get treatment, you will not have to worry about the cost because it has been borne by the insurance company. That way, the benefits you get from family health insurance can be maximized.

5. Prioritizing Hospitalization

Health costs covered by health insurance include outpatient and inpatient care. A good family health insurance will prioritize to cover the cost of hospitalization because this treatment costs the most.

Finally, before choosing, it's a good idea to know the waiting period for the disease set by the insurance company. Especially if one of the family members has a disease that has a waiting period such as asthma, tuberculosis, kidney stones, urinary tract, high blood pressure (hypertension), heart, and others. Because in the waiting period, you cannot make a claim for a certain period of time from the date of validity of the insurance. So ask the insurance agent first.