Tips for Choosing Health Insurance

Health is the most important thing in life. Therefore, people sought ways to maintain and care for health. Even people who seek health insurance to support and ensure their health. On the other hand, the cost of care and treatment of disease is increasing.

Following the program of health insurance means you have shifted the risk to third parties. To do this, you have to pay a premium depends on the risks and benefits. Here are some tips you can do before making a decision to continue the health insurance.

1. Bonadifitas and Track Record

Currently, health insurance offered through credit card organizer (Issuer). It offers the cardholders benefits and health insurance premiums directly to the cardholder through a credit card.

We must see the advantage given insurance company. Do not get when you get sick and make a claim, the process is even more difficult. Therefore, to choose the health insurance companies, at least two things to note, that is, Bonadifitas and track record of excellence so that in accordance with the premiums charged to you.

2. Savings and Investments

Health insurance services are now very diverse. Some combined with particular services. For example, premiums paid, some can be applied as a savings or investment. However, usually offered insurance premiums will be greater.

Even those who joined the insurance program at an early age may have a little relief. Please note that insurance premiums will increase with age customers. So, sign up for health insurance when he was young.

3. apple to apple

See a comparison between the benefits obtained by the premium you pay. How does an insurance company compared to other insurance companies (apple to apple). If there are special expenses (deductibles), calculate how much the deductible. Compare also with cost savings or reduction in premiums.

4. Health Insurance and Hospitals

You should consider the hospital in collaboration with health insurance companies. More and more hospitals are working together, then the insurance company looks bonafide. Look for Insurance in cooperation with the nearest hospital to your home.

5. Quick pay claims

Try to ask the manager of the hospital or physician practice that is around you, the insurance companies pay insurance claims more quickly. Because this will determine the level of hospital services for you.

6. Complete replacement

No health insurance provides reimbursement of hospitalization alone. But also provides a complete replacement, ie, outpatient and medication. If you are frequently sick and go to the doctor, you have to take health insurance that provides a complete replacement. However, if rarely ill, to suppress the premiums, you can simply take the health insurance that provides reimbursement of hospitalization alone.

7. Dilution claims

After removing the demand is the most important thing in the insurance business. So you need to complete the detailed and hospital discharge data as a test of attention.

8. Card system

There are two systems of health insurance claims. Pay first and then billed later, or a set of cards that do not have to pay anything. The difference is in the health card system, where the choices are generally limited to treatment or were treated in hospitals that are already working with your insurance company. Unlike the system of payment in advance and then billed later, where you can seek treatment (or almost) anywhere. Take the insurance that suits your financial circumstances.

9. Maintain a healthy lifestyle

Although his time, you and your family have health insurance client, a healthy lifestyle should continue to function. It sounds much better than the pain, despite the costs borne by health insurance companies. Therefore, not leaving a healthy lifestyle despite having a health insurance customer.