Health Insurance

In life we can’t predict what circumstances our experiences, today our healthy is not necessarily a few days later. sick can be happen to anyone even an athlete who always keep their health very well. Everything you do can’t guarantee that you and your family will stay healthy. As human beings we are only able to try but the result depends on the god almighty.

Sick can happen to anyone indiscriminately, in children, adolescents, adults, the elderly, the poor, the rich even health professionals such as doctors may also experience pain. Pain can be caused by many things, both because of the bad habits that often we do consciously or not, the food we eat, fatigue or accident that can’t be predicted in advance. Therefore, as a man wise to anticipate something you do not want you and your family especially health issues whose role is extremely important in living our daily lives and is a contributing factor in achieved success  live a good idea to consider to join or purchase a policy Health Insurance.

Health Insurance: The payment for the excepted costs of a group from the resulting medical utilization excepted based on the expense incurred by the group. The payment can be based on community or experience rating (Jacobs P, 1997). Health insurance is an insurance product that can provide financial security to policyholders when the policyholder experience pain or illness or accidents makes hospitalized.

In general, health insurance is insurance that specifically address the risks to health, health insurance will cover all of its costs if you fall ill, as well as if the pain is caused by an accident. To find out what the insurance read here and info on health read here.

Terms in Insurance

Before discussing, more about the various issues related to health insurance. So you are not confused when they want to buy an insurance policy or join an insurance program. You should first understand the terms in insurance, so that the process can work better and avoid mistakes. As for the terms that you should know insurance is as follows:

1. The insurance policy.
   
   The insurance policy is an insurance contract or coverage that is consensual (the existence of an agreement), the agreement must be in writing in a deed between the parties to the agreement. In a written deed is called as a policy. So it is the policy that is evidence of the insurance agreement is written evidence.
2. Applicant.
   
   Applicant is a person applying for insurance. If the insurer has been approved, the applicant will be the policyholder.
3. Policyholders (Policy Owner): Holders of insurance policies.
4. Insured: A person who becomes the object insured or insured.
5. Receiver Sum Assured (Beneficiary): People or consists of several people designated to receive insurance benefits or insurance money.
6. Sum Assured: Value for money stated in the insurance policy will be paid by the insurer to the Holder.
7. Premium: The amount of money to be borne by the insured and listed in the policy and has agreed to pay to the Insurer in accordance with the agreement.
8. Cash Value: The amount of money listed in the policy that will be paid to the policyholder if the policy is canceled prior to the insurance period expires or when the insured dies.
9. Insurable Interest: The relationship between the insured and the object is insured by the company, regarding matters that are potentially likely to cause harm that can result in financial losses for the insured.

Types of Health Insurance

In health insurance there are many kinds or types of insurance that we can choose according to need. Among them are based on the type of care, fund managers, participation of members, the amount of funds are covered, the insured party, and how the replacement.

• Based on the type of treatment, health insurance can be divided into two, namely hospitalization (in-patient treatment) and ambulatory (out-patient treatment).
• Based on the fund, health insurance, there are two parties, the government and private sectors. Be aware though, there is the issue that the government-run services are not as good as that managed by the private sector, so it's not a few customers who were disappointed with the services governments provide, it might consider if going to take health insurance.
• Based on the participation of members, in health insurance can be done on the basis of the obligations and voluntary. In large companies sometimes require employees to follow the health insurance program where the premium payments made by way of payroll deductions, so inevitably the employee must follow the rules of the company, is certainly different from free people want to buy or not health insurance according to their own desires.
• Based on the amount of funds that are borne, can be divided into two: the first all the costs borne by the insurance company and the insurance company only covers the high costs alone, so that the lower costs incurred are not covered.
• Based on the parties covered in health insurance, the parties bear also can be divided into two types, namely individuals and groups. The insurance company can provide health protection against individual persons individually. In addition, it can also be given as a group, for example is given to an organization, company, or it can also be given to a family, with terms generally in the group there must be a minimum of 5 people.
• By way of replacement, health insurance can be done in two ways, namely the filing of compensation using a membership card and also filing for compensation by way customers pay for the entire treatment first, and then be reimbursed by the insurance company.

Kinds of Risks That Can Be Insured

In this life is a risk that we can not avoid, but can be minimized by reducing or shifting risk to other parties. However, not all risks can be insured, insurable risk must meet the following characteristics:

1. Losses are uncertain (definitive), such as death, illness, disability, and old age, including conditions that can be identified, such as the buildings were destroyed, sinking ship, or the fall of the aircraft.
2. Losses occurred due to negligence, such as critically ill late stage, accident, or natural disaster.
3. Losses are assured, as someone who is unable to work because of accident the machine does not work anymore because it was heavily damaged.
4. Objects to be insured can be assessed and converted to value for money.
5. Risks that occur must be naturally, been unintentional and unplanned.
6. Risk happened did not violate the public interest.
7. Insurance premiums charged value is quite reasonable.
8. Parties who request insurance must have an insurable interest.

Criteria for the Best Health Insurance

In fact, many people are confused in deciding what kind of health insurance that will follow. In choosing or determine the type of insurance that will be followed, of course everyone wanted to join the best health insurance. So, how to ensure that the health insurance is follow the best health insurance? Perhaps of some criteria for the best health insurance has been the author gathered from various sources can be made following consideration in deciding whether or not your insurance will follow.

• Cashless.
  
  With cashless, reimbursement becomes easier. When admitted to hospital, you do not need to pay, but fairly complete bill with an insurance card swipe. No need to pay upfront, then they should be reimbursed to the insurance (reimbursement). However, this requires cashless hospital where you were treated is already cooperating with insurance for hospital should have and put the machine to swipe the insurance card. If not cooperation, although insurers have a system of cashless claim, you are forced to continue to pay upfront and then finish with reimbursements.

• Wide Network Hospitals.
  
  Cashless claims can't be done in hospitals that do not have agreements with insurance. Therefore, select the insurance that has a network of cooperation with many hospitals. Make sure you subscribe to the hospital (if any) in cooperation with the health insurance will be selected. 

• Flatform and premiums according to needs and Capabilities.
  
  Ideally health insurance flalform selected as desired. If the scheme is taken lower, someday be hospitalized, you have to incur additional costs to cover the shortage are not guaranteed insurance.
  Of course, the high flatform is straight associated with the amount of premium. The more expensive the hospital room, the more expensive the premiums. With the ability to adjust premiums, not even your financial burden. would ready to the premium and the flatform. Although it is often not easy, because of health concerns, such as the selection of the hospital room, the more emotional and tend to want a comfortable and nice, the room rates were expensive implications.

• Pure Health Insurance.
  
  Choose a stand-alone health insurance, life insurance is not a rider-link unit. Why? Expensive. In unit-linked premiums will be divided for life insurance, investment and new health insurance. Portions for health becomes small, so you have to pay more to get a higher ceiling. Not to mention, a number of pieces of unit-link costs that amount is not small, which further reduces health premiums.
  In pure insurance, the premium is intended solely - eye to the insurance cost of health care and cuts costs are also not at cost in unit-link, so it becomes cheaper premiums or the insured amount is higher. If you want proof, compare the sum insured and premium amount between pure health insurance with health insurance are to be part of unit-link.

• Prioritize Hospitalization.
  
  Health costs include ambulatory and inpatient. Should focus on the insurance cover hospitalization costs for this treatment is greatest. If you have more money, could take additional outpatient insurance.

• No Limit per Treatment.
  
  There is a limit or a ceiling that limits the maximum amount of medical expenses claims. Generally, insurance limit applies two types, the first is a combined limit of all treatment and the second is the limit per treatment. 
  There is no insurance that only uses the first limit; there is only the second limit and some use both simultaneously limit. You should select the insurance that applies first limit, or in other words do not limit the cost per treatment. It means that the policyholder flexible treatment of various treatments for a total limit is still there. Insurance limit with a limit of the first and second limit, of course, most are not ideal.

• Auto Debit Note Payment Credit Card.
  
  Although it seems to make it easier and usually paid monthly premiums (finished look lighter), please liver - liver perform auto-debit payment with credit card. If forced to use this method because the insurance does not provide an alternative to other payment, make sure you know when repayment begins and how the process if you want to stop.

• Avoid Taking Health Insurance via Phone.
  
  Bids health insurance through telemarketing started popping plural. Usually in cooperation with the credit card issuer. Related products are quite complex, such as insurance, should ponder, analysis, and if the time to do some research before making a decision. Therefore, I do not recommend taking a decision as soon as the offer by telemarketing. I had already experienced rapid and brevity of the bidding process, so a lot of detailed information that can’t be delivered due to time constraints. If you are indeed interested and need more time to think, can ask the insurance company contact number, which you can later call when it's ready.

• Waiting Period Disease.
  
  Requires health insurance waiting period, some diseases can’t be claimed for a certain period from the date of expiration of insurance. For example, Cigna set the following diseases can only be claimed to 12 months later, is asthma; TB (Tuberculosis); kidney stones, urinary tract and bladder; high blood pressure (hypertension), heart and blood vessels; Diabetes (Diabetes Mellitus), vertigo, and others. Ask your insurer what enters disease and how long the waiting period.

Benefits of Health Insurance

Perhaps those who are not familiar with health insurance do not know what health insurance benefits. Here are some of the benefits of health insurance:

1. Insurance helps to reduce the risk of an individual to the risk group of people with a way to summarize risk (risk pooling).
2. Changing events are not bound to be uncertain and planned.
3. As savings, health insurance may be your health savings, through premium payments that you do in a period will be very useful for you later when things are not desirable override. Not everyone can save money; most of the savings will be exhausted for purposes that are not important, as a result of basic needs such as health forgotten. But by paying the health insurance premiums, you just like being forced to save regularly and discipline because you are required to pay the premium.
4. Can Lighten the load, the basic human needs not only the health of course, there are many other basic needs, it is better if we gradually reduce the burden of life, and one way is to follow the health insurance program. If in the future you did something, then you do not have to worry about the costs required, so you can use the funds you have for other purposes that are not less important.
5. Make life comfortable and peaceful, I'm sure you love with yourself, with my husband / wife, with children and family you have, every effort we desire to protect those we love, especially this life feels full of threats make us always be wary. However, fortunately no health insurance, the health insurance we can at least ensure that maximum care and treatment that can be given by the people we love, so the worry can be reduced, life feels more comfortable and at ease.

How to Get Health Insurance

You can obtain health insurance is of different types of insurance companies, specifically in the social insurance companies, life insurance companies, or also can be obtained in a general insurance company. If you have difficulty to get insurance, central government and local governments also provide assistance, however this assistance was only given to those on low incomes alone.

Maintenance and Health Care

In health insurance, can’t be separated from the maintenance and health care belongs to the group of services for most of its products in the form of services. There are some special features that need to be considered in the maintenance and health services, among others:

1. Health and health care as a right. As with other basic needs, then a healthy life is a basic requirement element that should always fought to be met regardless of one's ability to pay.
2. Uncertainty.
   
   Uncertainty about maintenance needs and health service, regarding the time, place, the costs, the urgency service and other.
3. Asymetric Information.
   
   Asymetric Information that is an unbalanced state between knowledge providers (providers) with service users (clients / patients) for patients with ignorance, the provider determines the type and volume of services that need to be consumed by the patient. This situation will trigger a supply induced demand which exceeds the service delivery needs of patients resulting in increased health care costs.
4. Externality.
   
   Externality that users and non-users of maintenance services and health services can instantly enjoy the results, its prevention services generally have large scope so classified in the commodity society or public goods, ex: immunization.
5. Labor Intensive.
   
   Many types of energy that contribute to the health service and work as a team, for example: workers in hospitals (over 60 types).
6. Mix-outputs.
   
   Mix-outputs are generated output is a package of services as teamwork nature varies between individuals and depends on the type of disease.
7. Restriction compete.
   
   Restriction compete namely the restriction of competition practice so that the market mechanism is not perfect, for example: there is no provision of goods or dumping prices in health care.

The characteristics of the above should be considered in the determination of premiums insurance participants, achievement of service tariff, determination access against health-care facilities, as well as the determination of services for doctors, nurses and other health professionals.

The above is true solution hit every thing related to health insurance which writer know. May all that I present is useful and can help you to know more about health insurance and various other related with its.

Thank, see you again.