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We recommend that you prevent degenerative diseases early on. One way to prevent this disease is to get used to running healthy living patterns, avoid smoking and alcohol, as well as regular exercise. In addition to that, you can also protect yourself with health insurance products. However, do you know what is a health insurance?Health insurance is one type of insurance products offered to give protection to the insured by way of guarantee fees or health care at the hospital. Currently, almost all insurance companies in Indonesia have been providing health insurance products.
Now, not only health insurance products offered by the social insurance company, but also held by life insurance companies and general insurance company. Health insurance provides a guarantee of hospital costs include crusts care in outpatient and ambulatory.
Coverage for treatment generally covers the cost of the room in the hospital during the treatment, the physician service fees, cost of drugs, the cost of laboratory or diagnostic support, as well as the cost of the surgery. The cost of the guaranteed room can also be adjusted to the value of the insurance premium that is paid every month.
As for outpatient, costs will be the responsibility of the insurance company covering the cost of the doctor, the diagnosis, and laboratory, as well as the cost of drugs. In General, any insurance products impose a cost on the basis of the maximum limit of magnitudes of each component per visitor per year and a maximum frequency of visits in one year.
In addition to the coverage is divided into inpatient and outpatient facilities, health insurance is also divided based on users, i.e., the insurance group and individual insurance. The Division of insurance based on this type of ownership, providing benefit and how different premium payment.
Group insurance or collective insurance is a type of health insurance for companies in order to provide health coverage to their employees or officers. Employees who become insured will automatically become members of insurance groups and will not pay the premiums directly, because the payment of premiums borne together and cut the salary that is paid each month. The protection afforded since polynya is owned by only one person, that is, on behalf of the company, with its more than one benefit, then, of course, the benefits provided are not so great as that obtained by the owner of a health insurance policy individual.
In the meantime, individual health insurance is a type of health insurance products that can be owned by a single person by the customer to bear himself. This individual will provide insurance benefits or benefit maximum, according to the premium and the expansion of coverage to the policyholder or the insured. Because it is owned by one person with a benefit for a single person, as well as the scope of its protection area, then load the premium payable is also higher compared to group health insurance.