Health insurance, in addition, to cover the cost of outpatient and hospitalization, also provides various other benefits. What are you? Read more.
Nowadays, with health insurance presence, more and more people are using health insurance, because it benefits really feels in the middle of high health care costs. Aside from health insurance that usually bears the cost of outpatient and hospitalization, there are also various other benefits provided by health insurance. Well, here we know a little further some of the common types offered.
Generally, to provide protection for the financial risks incurred for treatment and treatment, one will buy health insurance. As for the protection of the family's financial risks for the risk of losing the main source of income (the family head) as a result of death, one will buy life insurance. Nevertheless, life insurance products also provide additional benefits related to health insurance benefits.
For pure health insurance products, the main benefits of health insurance are usually presented in the form of a table of benefits according to plan (plan) that can be chosen by the policyholders for the insured. Each plan will have a different coverage limit. For example, we choose a plan with the provisions of the room cost of $100 per day, other benefits such as doctor fees, medication costs and other benefits will be in accordance with that limit. Keep in mind, the selection of the big plan will also affect the number of premiums to be paid policyholders.
Meanwhile, for life insurance policyholders can have additional benefits (riders) related to health by paying a certain amount of additional premium. Riders who have almost identical benefits to pure health insurance are usually known for the benefits of hospital & Surgical.
These benefits provide reimbursement of costs incurred by the insured for outpatient or hospitalization and surgery. This benefit is often the main choice when one buys the benefit of additional life insurance, let alone nowadays almost all insurance companies offer cashless facilities in hospitals that have worked together. Then there is also a rider called a Hospital cash plan that provides benefits in the form of compensation for daily Care as long as the insured is hospitalized.
The amount of daily compensation is fixed according to the prescribed compensation value. For example, benefit benefits of $20 per day, if the insured is hospitalized for 10 days, the total compensation gained by the insured is $20 x 10 days is $200. To obtain it, the insured can make the reimbursement by showing proof of a copy of the hospital bill that has been legalized by the hospital.
These benefits provide reimbursement of costs incurred by the insured for outpatient or hospitalization and surgery. This benefit is often the main choice when one buys the benefit of additional life insurance, let alone nowadays almost all insurance companies offer cashless facilities in hospitals that have worked together. Then there is also a rider called a Hospital cash plan that provides benefits in the form of compensation for daily Care as long as the insured is hospitalized.
The amount of daily compensation is fixed according to the prescribed compensation value. For example, benefit benefits of $20 per day, if the insured is hospitalized for 10 days, the total compensation gained by the insured is $20 x 10 days is $200. To obtain it, the insured can make the reimbursement by showing proof of a copy of the hospital bill that has been legalized by the hospital.
The latter, despite its nature not to provide the reimbursement, but there are also additional benefits of protection of critical illness conditions where the insurance company will give Sum Assured (UP) if the insured is diagnosed with one of the critical illness conditions.
Currently, protection against critical illness can be initiated from a diagnosed initial condition and claims can be proposed several times based on the condition or stage of a critical illness.
The above information is useful so that we can synergize the various health-related insurance benefits so that the perceived benefits will be optimal and complementary.
Currently, protection against critical illness can be initiated from a diagnosed initial condition and claims can be proposed several times based on the condition or stage of a critical illness.
The above information is useful so that we can synergize the various health-related insurance benefits so that the perceived benefits will be optimal and complementary.
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