About Health Insurance

Health Insurance

Health insurance is probably the most important insurance that you should have.
Expensive healthcare cost recently can be very costly if you are not guaranteed by the insurance. Some people even experienced with selling of their properties to bear the cost of hospital care.
If you already managed it through health insurance, this can't be happen.

However, health insurance also a product that is quite complicated to understand because of wide variety offered. Therefore, it is normal if you confuse with this product.

For those categorized as low income or civil servants, the health insurance also provided exclusively by government or private insurance company.
For private insurers, typically there are limitations of treatment and medical procedure tailored to the premiums that are used.

If you are not poor and not civil servants, you can buy commercial insurance programs run by national or private companies, including insurance programs held by the government.

Commercial health insurance can be purchased individually or in groups.
However, due to administrative and risk consideration, many health insurance products may only be purchased by the group, not individuals.

Here are some types of healthcare costs that can be guaranteed by health insurance:

1. Outpatient

Outpatient insurance covers doctor fees, diagnostic or lab cost, and medicine.
The costs incurred are usually determined by the maximum limit for each component per visit or year, or a maximum frequency of visits in one year.
Restriction can also be enforced by requiring a GP referral before a visit to a specialist, or coverage of health care is only given when done by registered service providers.

2. Inpatient

Hospitalization insurance covers the cost of inpatient care in hospitals, which include room costs, physician services, drugs, laboratory or diagnostic support, surgery, etc.
Classification of hospitalization insurance usually determined by the room class, from the lowest grade room to VIP or VVIP.

For each classes, there are also maximum limits covered by insurance company for the cost of treatment rooms, medicine cost, surgery, etc.
The cost of the surgery itself divided based on minor, moderate, or major.

Hospitalization insurance can be purchased in sets or individually.
Particularly to individual insurance, we can choose the type of health insurances, whether in indemnity or cash plan types.

Indemnity insurance is an insurance that provides replacement cost we spend according to hospital bills.
While cash plan insurance provides income support in a certain amount each day of hospitalization, no matter what the actual costs we incur.

3. Maternity

Maternity insurance provide healthcare costs for labor and usually given only to a group of women of childbearing age with a certain minimum number of membership.
This may not approved, if you are pregnant during registration.
You may also can not buy maternity insurance on an individual basis.

Benefits of maternity insurance differentiated between the benefits of giving birth to a cesarean section and normal delivery.
Also, the maximum coverage cost in both are different and depends on premiums paid.

4. Dental Care

Dental insurance cover the cost of routine dental care and non-cosmetic surgery.
Characteristics of dental insurance almost similar to outpatient insurance where the benefit sorted based on the cost of doctors, medicines, and other services.

5. Glasses

Glasses insurance cover the cost of eyeglasses, and lenses and frames.
Typically, insurers will limit the frequency or replacement glasses in a single period of coverage, only the lens, or just the frame alone.