
Prepare the umbrella before it rains. That is the expression of the right planning when we have matured in the worst possible anticipate including in the case of health care financing. At the time of the complex completely, have health insurance seems more important considering the cost of care and treatment more expensive and unpredictable.
However, selecting the right insurance is also not less important that you will not soon be injured. Well, here is a brief explanation in Dr.
Samsuridjal Djauzi rubric health consultation that was published daily
Kompas, Sunday (22 / 6). Dr.
Samsuridjal express views on any matter that needs to be before choosing a health insurance:
Questions:
I-law aged 61 years traffic accident and need to undergo brain surgery. Fortunately the operation is running well and he is healthy again.
However, he was forced to deplete savings he collected for many years because of hospital costs up to
Rp 20 million. I can not imagine if he did not have savings, how will the difficulties faced.
I was married a year ago. Although our new family, we plan to become the customer's health insurance. We feel the cost of health care older adults is increasingly more expensive and costs can not be suspected. We have to insure the car, because it rightly, we are also entering health insurance. Health is not the grace of God that is very valuable that needs to be well?
It is long enough we enter a health insurance plan and we have contacted several companies. However, we still have difficulties in choosing health insurance is. We took care as we select the wrong worry. From the funds we have any leeway. My wife works and so have a broad fund to pay insurance premiums.
Our careful, especially after hearing many complaints that the insurance disappointed with the health insurance services in Indonesia. Some even choose our friends sign in on the foreign health insurance considerations more trustworthy and more extensive coverage of services. It seems the health insurance services in Indonesia doubts. What is promised is not in accordance with the services provided.
He said, at the time of the insurance policy offers all easy to describe. If the client was sick enough to think the pain and the insurance company will settle all costs. In the implementation, there are many exceptions that must be observed.
As a doctor who often serves patients who have health insurance, whether the doctor can recommend an insurance company good health? What must be considered before choosing a health insurance? Doctors need our advice because I am the financial sector, while the wife of the architect. Thus, the less we understand the health insurance. Thank you for the explanation doctor.
M in A
Answer:
Intention and your spouse have health insurance is good. One of the problems in our health services are health care financing. About 70 percent of Indonesia to pay the cost of their own doctor or hospital, while health costs continue to increase. The more sophisticated medical technology, the more expensive health costs.
Increased cost of health not only happen in Indonesia, but throughout the world. Factors that increase the cost price is a medication, medical equipment, doctor and royalty, although the actual element honorarium doctor only a small part of the cost of health care overall.
Although we have been maintaining the health care, the disease can come unexpectedly. Traffic accidents as in your law, for example, are events that are often experienced by families in Indonesia, even approximately 30,000 people die each year due to traffic accidents. So, it's still wise if Indonesia familiarize families protect themselves with health insurance.
With regular pay, if the sickness will be assisted so that health insurance is not to burden the family. We often see the family that should be much to pay for the hospital.
In fact, according to my experience, these health insurance in Indonesia is quite good. Support health insurance will depend on the agreement between the customer and the insurance company. The greater the premium paid the full support of insurance.
Therefore, you need to find support for health insurance coverage before choosing a health insurance. Whether the scope of services includes outpatient and Inpatient? Is there a particular disease does not guarantee that an insurance company?
Also needs to place a service. You can choose whether a doctor or hospital you want, or be limited to hospitals that have been appointed? All must be considered, including the effective start when the warranty valid. For example, there is a new health insurance guarantee start after 30 days after signing the agreement.
Service health insurance now is very varied. In addition to offering financial security when sick, have a combinate with certain services, such as the premium paid will be applied as part of the savings or investment.
Certainly, this attractive offer, but usually offered insurance premiums will also be larger. In addition, the fact that they participate in the insurance program will receive a young age some ease, for example, is not necessary health checks and also need to remember that insurance premiums will increase with increasing age of the customer. So, go on a health insurance young age.
Although later family you are already a customer's health insurance, healthy patterns of life must remain a worked. Certainly better than ill health although costs by health insurance. So, do not leave even though healthy lifestyle has become the customer's health insurance.
I understand the challenges faced by young families Indonesia today. I feel joyful place your family's health as important elements that need attention. Nah, I hope you a family will healthy and happy always