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Uzone.id – Health has become an expensive item that is very much needed by everyone. It can be said that having insurance is as important as having a place to live.
Given the risk of health problems and death that are difficult to predict, it is better to protect yourself and your family with insurance that provides the most complete benefits at premium prices that are by the coverage provided.
There are at least 10 insurance products offered by insurance companies. Among them are life insurance products, health insurance, accident insurance, home insurance, vehicle insurance, education insurance, loss insurance, travel insurance, pension insurance, and sharia insurance.
Each type of insurance offers different coverage benefits. For example, a term life insurance product that provides protection benefits for a certain, such as 5 years or 10 years.
Meanwhile, there is dual-purpose life insurance that provides benefits such as term insurance as well as savings. Then, unit link life insurance that provides coverage benefits in the form of life protection insurance and investment.
To help us choose personal health insurance, here are 10 tips for choosing the best personal health insurance in 2024.
Apply While Still Healthy
Health insurance has several provisions when accepting registration applications. Some of them are that you must be in good health because if it is known that you already have a disease or what is commonly called a pre-existing condition, the possibility of your insurance application being rejected is greater or the premium will be higher.
Apply While Still Young
Insurance companies dare to bear the risk of customers who do not have a history of illness, where if you are still young, you are less likely to have a serious illness than those who are older.
Usually, the premium set will be lighter with the same or even greater coverage benefits if you register for insurance earlier.
Review according to needs
The first step in choosing the best personal health insurance is to review your overall health needs. Consider factors such as age, health conditions, medical history, and lifestyle.
Do we need protection for a particular chronic illness or just for routine medical care? By understanding our needs, we can choose the right policy according to our risk profile.
Determine the budget
When choosing personal health insurance, it is important to set a budget that suits our financial condition.
Review how much we can allocate for insurance premiums each month without disrupting the monthly cash flow. Make sure to choose a policy that is not only affordable but also provides the protection we need.
Check the list of partner hospitals and doctors
Another important thing to consider when choosing personal health insurance is to look at the list of hospitals and doctors who work with the insurance company.
Make sure our favorite hospitals and doctors are on the list so that we can get medical treatment easily without worrying about having to pay additional costs.
Review the benefits offered
Each personal health insurance policy has different benefits. Carefully review the benefits offered by each policy, including coverage of medical care, medicines, inpatient care, outpatient care, and other health services.
Pay attention to limitations and exclusions
In addition to paying attention to the benefits offered, it is also important to pay attention to the limitations and exclusions in an insurance policy.
Review the maximum claim limit, waiting period, and health conditions that are not covered by the policy. Make sure that we understand all the clauses mentioned in the policy.
Evaluate the payment plan
The personal health insurance payment plan also needs to be carefully evaluated.
Review the various payment options available, including monthly, quarterly, or annual payments.
Also, check if there are any special discounts or promotions available for payments within a certain time. Choose a payment plan that suits our needs and financial capabilities.
Check the availability of digital services
In the digital era like today, the availability of digital services is an important factor in choosing personal health insurance.
Check if the insurance company provides online services for making claims, doctor appointments, and medical consultations.
Good digital services will make it easier for us to access all the services they provide.
Review the reputation of the insurance company
The reputation of the insurance company also needs to be considered. Review the company’s reputation, customer satisfaction, and previous claim experience.
Also, check if the company has a valid license and is regulated by the relevant authorities. Choosing a trusted insurance company will give us a guarantee of better service.
Consult with an insurance agent
If you are still confused or hesitant in choosing personal health insurance, do not hesitate to consult with an insurance agent that we trust.
Insurance agents will help us understand more about the various insurance options available, as well as provide advice that suits our needs and budget. They can also help us compare various policies until we find the most suitable insurance.
Read the terms and conditions carefully
Before actually signing the Life Insurance Request Letter (SPAJ) or Health Insurance Request Letter (SPAK), it is a good idea to ask yourself whether you understand the insurance product chosen.
Know for sure how much coverage benefits will be obtained, how the flow of coverage benefits will be obtained later, what the insurance disbursement process is like, and how to pay premiums each month.
Make sure we understand the above points very well before finally signing the SPAJ or SPAK.
By understanding the differences and paying attention to the right tips for choosing, individuals can take steps to protect themselves and their loved ones from unexpected health risks.
