Life is a puzzle that can not be predicted by humans. You’ll never know, when and how, decree anything happen in your life. For that, you should always be on guard (precaution) and take steps to deal with anticipation. Insurance is one way out. However, so many insurance products offered are often confused where it makes you a credible and safe insurance, which in the end you are reluctant and hesitant to get started. Here are tips smart and safe choosing insurance:
1. Identify Needs. Before deciding which insurance is selected, you should identify your needs. Do you need life insurance, health, pension funds or third. If you are already married or have dependents, then you should have a life and health insurance. There are 2 choices of health insurance, namely general health insurance, dependents of all kinds of diseases, including delivery fees and medical examination. But, this type of insurance does not cover specific diseases, such as breast cancer, cervix and so forth. If you’re used to a healthy lifestyle, and no family history who have had breast cancer, and the like, should select a general health insurance. But if in your family history there has ever suffered from breast cancer, uterine or the like, there’s nothing wrong if you are on guard to have cancer insurance. When in office, you are already insured, you should have one more insurance outside the office. Find a different benefits, so they can complement each other.
2. Premium magnitude. To become a member of the insurance, you have to pay a sum of money called a premium to the insurance company. The amount of premium will determine the cost of coverage that you will receive. The bigger the premium, higher the value of coverage. Premiums are not paid only once a year, but there is also the option of installments, such as a year twice or thrice. Even the current trends, some insurance premium payments are applied regularly every month to offer auto-debit facility savings (of course the insurance company has teamed up with a bank). Take the appropriate premium with your ability. Do not force yourself to take a big premium for insurance is essentially anticipatory in nature only. Keep the amount of premiums no more than 10% of your income.
3. More younger, more cheaper premiums paid. Age and risk affect the size of the total premium to be paid, even though the insurance program that you take the same. The younger the age you are, the smaller the cost of premiums. The size of the amount of premiums, also seen from the large tehadap small risk of disease. Those who are at high risk, of course, larger premiums than those who are healthy. To detect this, the insurance company will ask you to undergo medical tests first.
4. Replacement system. In the replacement system, insurance companies usually use the reimbursement system (reimburesment), cash plan or provider. If the system reimburesment, you must pay all medical expenses first, then replaced the insurance.While the cash system plan, you will receive the cost of care per day in the number of pas. For example, you receive care costs Rp 500,000 per day. Enough or not, that’s the replacement you received. Usually, replacement with reimburesement can be larger than the cash plan. With reimburesment system or the cash plan, you are free to enter any hospital. As with the system provider. Here, you do not spend any money. Your membership card will only be provided in order to obtain needed medical care. Surely in a hospital or clinic you have chosen previously. In the system provider, you should determine your choice of hospitals that want based on a list of hospitals that have cooperated with the insurance company. Choose the location closest to your home, and certainly the best. In order to run smoothly, the completeness of the letters of administration becomes imperative. Sometimes problems arise due to incomplete requirements needed. The duration of the withdrawal of funds dependent claims with insurance companies, but generally ranges from 7 working days.