Choosing the Right Health Insurance

Health insurance can be a safety net when we are sick, so that the hard work has not gone to pay for medical care. For that enrich yourself with the kinds of insurance in accordance with the expected protection.

Health insurance continues to grow, there is a change fee of critical illness, the insurance for the initial phase of critical illness, or who simply guarantees hospitalization only. Therefore, ideally everyone has health insurance, not to mention the children because their propensity to enter a larger hospital.

Health insurance currently available to replace most of the cost of health claims to the extent specified or agreed. Reimbursement limit can include the cost of rooms, doctors, medicines, and other medical measures, with a limit per type of health care. There are also health insurance to replace only the room in the hospital just so that customers still have to pay for various medical procedures and drugs. We recommend that you select that covers the entire cost because it is usually expensive and drugs act.

Before determining the amount of premiums, you should do a survey of hospital room rates would be addressed during illness. If we want to be treated when sick in a class room, just adjust the premiums, so if you want to be treated in the VIP room, take a higher premium.

Critical illness insurance
In addition to hospitalization insurance in the hospital, is now also available insurance for critical illnesses, such as heart attacks, diabetes, cancer, and many more. Critical illness insurance is usually not to replace the cost of hospital care. This is the type of insurance policy pays for the insurance money so customers affected by critical illness. Paid in full but after that is not covered anymore.

Critical illness insurance is important for those on family history of certain diseases. For example, if a parent, grandparent, or any relatives who had cancer, then we should buy this insurance just in case. Moreover lifestyles now tend to be healthier.

Reimbursement or card
Reimbursement of health care costs generally consist of two types, namely through the reimbursement system or we pay first and then replaced the insurance company, or using the card.

System of reimbursement premium to be paid is usually cheaper. But the consequences we have to pay first, while the system is already taken care of all the cards so that we do not bother.

To prevent the occurrence of unpaid claims, especially those wearing reimbursement system, you should inquire with the details to the insurance agent: Any condition not covered by insurance.

Do not forget to be honest, for example if it's smoking, do not say no, because as soon as we entered the hospital grounds, a claim we can not be paid, especially when health insurance products that we have is critical illness insurance.