Best Health Insurance: 5 Criteria Every Client Should Know
Choosing the best health insurance? Check these 5 criteria: cash plan, double claim, inpatient care, pure versus unit link, and payment methods.
Most people now realize how important quality health insurance is for the future of their whole family. Rising public awareness of the importance of insurance has been matched by growth in health insurance companies. Today you can easily find companies offering the best health insurance.
With health insurance providers multiplying, you need to be able to choose the best one. Be selective about which insurer is truly worth trusting. Here are several criteria you can use as indicators when choosing the best health insurance.
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Don't make cash plan a priority
Have you heard of a cash plan? A cash plan is a service in which the insurer covers your costs while you are hospitalized. The coverage is based on a fixed daily hospital rate. For example, your care is counted at Rp 1,000,000 per day and is simply multiplied by the number of days you stay in the hospital.
At first glance, compared with paying premiums, the cash plan method is actually more practical. But some customers consider it a disadvantage, because hospital costs cannot be fixed at a set amount like that. Insurers should also be obliged to reimburse all the costs you incur during treatment. Still, you can use a cash plan as an add-on to your health insurance.
Has a double claim policy
If your employer provides health insurance, you should check the double claim service you will use. Claiming is fairly easy: you only need a certified photocopy of the hospital receipt. Meanwhile, you keep the original receipt as an archive copy to hand to your office. These days, almost all insurers apply a double claim policy for their customers.
Has inpatient facilities
The best health insurance certainly provides inpatient care for its customers. A credible insurer will also explain the policy until you fully understand it, including the inpatient terms. Each insurer sets inpatient rules differently, so you must study them in detail and discuss them with the insurer.
Pure health insurance
You should choose pure health insurance over unit link, which bundles insurance with an investment. Protection from pure insurance is usually much better. As you know, in unit link insurance the premium is split into three parts: life insurance, investment and health.
This shrinks the health insurance share, so the total you must pay to get a higher limit (plafond) is larger. Add to that the unit link charges, which are not small. This reduces the value of your insurance premium.
Unlike unit link, pure health insurance covers all of your treatment costs. The charges you pay as a customer are also not as large as with unit link insurance. When it comes to pure insurance, choosing PFI Mega Life Insurance is the best solution for your future health.
Varied payment methods
Premiums are usually paid monthly so they feel lighter. Most insurers accept premium payments by credit card auto-debit. Be careful when you use this payment method.
Make sure you know when the transactions start and how to stop them. As times change, a professional insurer provides excellent service by offering various premium payment alternatives.
Those are the five criteria you can use as indicators when choosing the best health insurance. When you find a credible insurance partner, your health care will turn out better. If you choose an insurer that is not credible, on the other hand, do not expect the best results from your treatment.
Read also: Pure Health Insurance vs. Unit Link: Definitions and Differences
