Health insurance is a very important thing right now. Why ? First, treatment costs are more expensive. Second, the health insurance guarantees financial security when you are sick. Third, providing ease where ever you are sick, you can enter any hospital you want.
Diseases can approach you anytime. With health insurance, all medical expenses will be paid by the insurance company according to the agreement listed .
Already many health insurance companies today who provide different advantages. But whether it was good and right for you? The following are some tips that will help how to choose a good health insurance plan for ourselves.
1. Understand the Type of Health Insurance Products
There are 2 types of products offered by health insurance companies, hospital benefits and hospital cash plan. they are different from the payment system, there is a direct use medical insurance card and pay in advance and will be replaced by the insurance company
2. Adjust to your needs
Many health insurance makes us confused, sometimes wrong in choosing insurance and is not suitable for us. The first solution is to understand your needs, then choose the insurance that fits your background.
3. Know the benefits that you will get
Don’t participate without benefits you know, you better ask what benefits you will get if you participate in health insurance.
4. Find out the hospital in collaboration with the insurance that you choose
You should to know which hospital are working with health insurance would you choose. Choose a health insurance company that has been working with many hospitals that can easily be reached wherever.
5. Check the credibility of the insurance company
Assessing the credibility of the insurance companies is very easy, by looking at reviews on the internet or magazines. Usually, a good health insurance companies has a lot of branches.
6. Compare with insurance products from other companies
Many insurance companies are offering their products. Of course you have to compare all the products to get insurance that matches with your self. Look for as much information about the insurance company would you choose.
7. Don’t take out of insurance through telemarketing
Through telemarketing can lead to misunderstandings, better you come to the insurance office for more details. You can ask each package is on offer and usually the insurance company provides free consultation.
8. Select premium according to your financial situation
The higher your premiums more complete insurance provided, but do not select a higher premium if you can not pay the premium every month. so choose insurance products that suit your financial condition.