Tips to Choose Health Insurance

Tips to Choose Health Insurance

There are many people who don’t understand the importance of the health insurance. The insurance is very useful for us and our family. Many of the problems faced when choosing health insurance. Insurance is not a visible product such as gadget. Insurance is a feature and complex products provision. There are several tips to choose the insurance with the best health service

- Cashless system

Cashless is a reimbursement system which uses cards. By showing cashless card, the health insurance participants do not need to bail out before payment of the hospital bill when hospitalized. This cashless is different from the reimbursement system. With reimbursement, the participant must pay the bill first and then apply for reimbursement to insurance. In some cases the reimbursement system is difficult to apply, so the cashless system is preferable. So, to be a smart customer, choose the insurance company which has the cashless system. If the company only has the reimbursement system, make sure that the claimed process is easy and take a short time.

- Many hospitals be the participants

Make sure that the hospital can receive the claim from the health insurance. Find the health insurance that can receive the claim from the hospital. The insurance companies usually have listed the hospitals which make the cooperation with them. The more cooperation so it is better. The cashless system can be used in the hospital which is already cooperation with the company.

- Family health insurance

Choose an insurance company that provides health insurance family. When one family has 3 members, it is better to purpose one health the insurance policy for the whole member of the family. With only one policy for one family, the premiums will be much cheaper, than each membermust buy a policy on their own. For example, a family has 4 members; they buy the insurance with police 500 thousand. The total premium paid in 20 million. Meanwhile, if the premium policy is bought personally, the total premium is $ 48 million a year.

- Term of outpatient qualification

Pay attention to the term of outpatient by the insurers. See the details in the policy or ask the agent about the requirements. The important things to concern are

Ø     Outpatient should be done in a hospital. If the outpatient is at the clinic, the insurer will not reimburse. Verify with the insurance, what is referred to hospital.

Ø     How long of the outpatient is required in order to claim insurance to the insurance company. There is a set one day of outpatient that is able to claim, but there is that requires at least 2 days of the outpatient. The health insurance will cover the fund.