Pain is expensive. Old slogan was
probably not an exaggeration. If you experience pain that requires intensive
care, medical expenses can drain the contents of the bag. The cost is usually
included inpatient hospital room rental, purchase of drugs, physician services
tariffs, therapy, and a number of other costs.
In order to anticipate the cost of great pain, people should protect themselves with health insurance. That's a problem because the current number of health insurance products in the market purely very limited. If anything, the product is in the form of additional insurance (rider). So, you can buy a health insurance policy if you buy insurance anyway, usually a life insurance policy.
Many factors cause insurance companies like to sell products aka mixed bundling. One of them, the income from the management of insurance products is smaller than pure bundling insurance. The health insurance salesman trying to get a bigger commission, so they offer health insurance products are wrapped in investment.
Today a growing number of insurance companies who have deviated from the purpose of establishing the company as a seller of insurance protection products, and trying to make profits as much as possible from customers and the communities that will lay the insurance product. They are much more concerned about the interests and profits of the company rather than put the interests of its clients ..
But, you do not be too quick pessimistic if it intends to buy a health insurance policy is pure. Therefore, it is still there (though little) insurance companies that have "noble intentions" by selling pure insurance, and see the real customer needs.
Individuals and collection
If observant and careful, your difficulty in finding a pure health insurance products, will undoubtedly be resolved.
Pure health insurance is pure insurance products only offer health coverage to its customers. There are no additional benefits other than protection. So, if you are sick and should be treated in the hospital, the insurance company will pay all costs, ranging from the cost of the actions of doctors, medicines, hospitalization, and medical equipment needed when you are in the hospital.
You need to know anyway, pure health insurance policy is usually divided into individual or personal collection. The difference lies only in the number of participants. Purely private health insurance is usually purchased and reserved for private or family. While health insurance purely a collection made by a company or business entity that has employees (plus family) to become a participant.
Typically, a personal insurance policy premiums are much more expensive. This is because the number of participants is limited (few), alone or with family, at most five people (two parents, three children). While the participants to group insurance is usually a minimum of 25 people, so that premiums are more economical.
There are several models of health insurance claims payments purely on the market:
First, health insurance reimbursement system. In the model of this claim the customer must pay first, then they can request reimbursement in accordance receipts and compensation based on the type of class is selected at time of purchase of insurance.
Second, the card system. Customers do not have to pay for health costs is required, simply show your membership card of health insurance issued by insurance companies. Medical services provided and compensation according to the type of the selected class. But the hospital or physician provider is limited to providers of medical services designated or determined the company issuing the card.
Third, the daily compensation payment system inpatient care. The program provides compensation in the form of cash value selected at the time of initial purchase. Value for money does not depend on the receipt, but based on the number of days for treated multiplied by the daily compensation.
The question now is, how should we have health insurance products? Every man has the risk of illness or accidents of life are inevitable in life. Although it has been in good health, diseases can come without warning. On the other hand, health care costs continue to rise. So one type of health insurance is compulsory insurance a person has, in light of that risk.
Many of the benefits you can if you have a health insurance policy, especially the pure. Among other things, health insurance policies provide insurance protection for medical risks that could occur at any time. That is, the health insurance policy can be used as an emergency fund for those risks.
In addition, health insurance premiums are much cheaper, especially when bought in when healthy than when you are suffering from illness or health has been reduced due to age factor. However, the value of premiums that would be very dependent on the value of benefits selected or purchased.
Health insurance is required by a person purely because of the cost of treatment and health care in expensive hospital. However, health insurance policy may not be able to cover the needs of a person when he fell ill. It really depends of the scope of warranty purchased. So, before deciding to purchase health insurance policy is pure, you first need to understand their needs. In other words, should you buy warranty insurance protection as needed.
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