The Types of Health Insurance

The Types of Health Insurance

Healthy insurance is the specific insurance which is addressed to the risks to the healthy. This insurance will cover all the cost when you’ve got illness or the accident happened. but the benefit of the insurance is not free. If there is assistance for the government or the company, the personal must pay the premium paid. The premium paid depends on the age of the customer, the program taken, and the insurance company. The health insurance can be obtained in many different types of many insurances companies such as the social insurance company, the general insurance company, or life insurance company. There are many types of this kind of healthcare insurance. But basically, this insurance is very important for your life. It is important to know that the insurance is divided into several types. The types can be divided based on the fund managing, the participant of the members, and fund that covered, and the number of the participant and it also depends on the fund from the company switching.

Fund managing

Ø     Insurance by the government

The health insurance which is given by the government is usually controlling by the government too. The business insurance funds can be managed by the government in which the profits for the health care costs monitoring easily. But sometimes, the insurance from the government, the quality for the service is not good sometimes, so there are many customer disappointed.

Ø     Personal insurance

The personal insurance is an insurance that comes from the private insurance company. The fund is in premium paid and it must be paid by the customer with certain amount monthly or annually. The quality for the service is relatively good. Many hospitals also join with certain company. But however, the drawback is sometimes difficult to keep the cost.

The participant of the members

Ø     Mandatory

In this case, the member of the insurance are required to purchase the health insurance policy. the premium paid will be paid by taking the monthly salary of the employee.

Ø     Voluntary

The person is free to choose to buy the insurance or not. It depends on the personal opinion

How to pay

Ø     Cashless

The insurance can be paid cash. The cashless is the submission of the compensation of the cost. The customer just needs to show the card of the insurance in the hospital to cover the hospital fees.

Ø     Reimbursement

Reimbursement is one of the ways to pat the hospital or health care using insurance. The customer must pay first for the fee. After that, complete the documents, such as bill and the invoice to be submitted to the health insurancecompany.