Things to know before choosing an insurance for family
Buy insurance products amid rampant product promotion is not necessarily easy. If you observe, in addition to insurance, consumer goods is the most widely marketed product, either through the dealer or internet media. One of the often overlooked by society but in fact, very important is health insurance. While healthy people often forget that pain was expensive, and rarely are reminded to take out health insurance products and select the origin of the tendency to assume that all health insurance products are the same.
Of course, this opinion that needs to be dealt with. Although the basic principle of protection is the same, the difference is the needs of individual participants.
This is where a lot of people add extra protection with private health insurance products participated with several advantages such as superior in terms of speed, convenience, and flexibility of choosing the hospital. Therefore, before you decide to take up health insurance products, there are a few things you need to know about choosing insurance for families like the following reviews:
1. learn the benefits obtained and compare it to other products
If we are smart and careful in choosing insurance products, then we'll get the benefits that suit your needs. For health insurance, a benefit that needs to be noted is the benefits of inpatient and outpatient. If both types of benefits are obtained in full or in part only. All the benefits of closely related to the number of premiums to be paid. So, in principle, how it took you will benefit from the product and how big the budget to pay a premium which we prepare.
2. take the product don't overdo it, customize it to your needs Just
In buying insurance products, the magnitude of the benefits it brings is directly proportional to the cost of the premium must be issued. So in buying a product simply take as necessary, and adjust to the needs that are required. Many offer trap with different discounts or other offers that can only make you redundant in taking the actual product is not required.
For example, additional protection against a wide range of critical illnesses by adding a number of premium which at first glance looks not too large, when in fact it did not take the product. It is important to do the observation may top the disease suffered to find out which products from the family health insurance that is suitable for the chosen. Observations regarding the history of the disease make you more safe and comfortable while having a family with health insurance costs in accordance with their needs.
3. Understand the details of the insurance product especially from the sides of the benefits and Costs of the premium
When getting insurance product offerings, the easiest way to learn the details of the benefits is by questioning an insurance agent. Do not directly believe above all explanations of the agent. Ask the agent to show where clause in the policy that describes these benefits. For example, for health insurance, some things you need to know is the size of the premiums and ceilings provided. Then don't forget also the mechanism of the claim, whether reimbursed or card system (without the need to pay first). This is important, for the sake of your convenience later.
4. how many hospitals and whether the Counterparty is close to your location?
Makin a bona fide health insurance product, the network of hospitals that cooperate will also be more and more. do not let Your pain even the more difficult due to the lack of a hospital so the insurance partners. Select the insurance product that had a bona fide hospital chain and is close to the location of the work or location of residence. More ideal if got the reference to the regular subscription doctor working in a hospital referral would certainly be easier.
5. take Health insurance product that gives protection to a family, not Individual
Generally, health insurance product offered by a single protection option (for 1 person), but some are offered in the form of a couple or a family. Some of them offer special rates for additional children. Select comprehensive health protection in one family, do not take the individual given the risks can happen to anyone, especially infants and children under five years of age.
For easy payment processing and administration in the Select payment system that provides convenience, either in the form of a reimbursement system and cashless system. Cashless system, you don't need to spend the cash to pay for the cost of care (inpatient, outpatient). When the risk of pain, you can simply show the card of health insurance and medical treatment bills will be paid automatically.
Understand the rules also work on cashless system health insurance policy in order not to break out the extra costs later. Whereas the system of reimbursement, you must pay the entire cost of the treatment comes first and then the entire treatment Bill is charged to health insurance companies.
6. Affordable Premium Rates with the benefits that suit your needs
In making the financial plan, the size of the premium could be included in the budget monthly household expenses, can be put into a group health costs such as household expenses (water, electricity, telephone) or school fees. Do not overload the cost of premiums outside of the ability. Quite reasonable, important according to your needs and abilities.
Understand product, Make the right choice!
Reviews about things to consider before taking the above product health insurance can give you a clearer picture of how to choose the right insurance product. Be sure to have health insurance, either in the form of health, or the protection of additional health insurance product from other private companies. Remember, health costs can never be predicted and seemed unlimited, so absolutely must be protected from health insurance products.
Of course, this opinion that needs to be dealt with. Although the basic principle of protection is the same, the difference is the needs of individual participants.
This is where a lot of people add extra protection with private health insurance products participated with several advantages such as superior in terms of speed, convenience, and flexibility of choosing the hospital. Therefore, before you decide to take up health insurance products, there are a few things you need to know about choosing insurance for families like the following reviews:
1. learn the benefits obtained and compare it to other products
If we are smart and careful in choosing insurance products, then we'll get the benefits that suit your needs. For health insurance, a benefit that needs to be noted is the benefits of inpatient and outpatient. If both types of benefits are obtained in full or in part only. All the benefits of closely related to the number of premiums to be paid. So, in principle, how it took you will benefit from the product and how big the budget to pay a premium which we prepare.
2. take the product don't overdo it, customize it to your needs Just
In buying insurance products, the magnitude of the benefits it brings is directly proportional to the cost of the premium must be issued. So in buying a product simply take as necessary, and adjust to the needs that are required. Many offer trap with different discounts or other offers that can only make you redundant in taking the actual product is not required.
For example, additional protection against a wide range of critical illnesses by adding a number of premium which at first glance looks not too large, when in fact it did not take the product. It is important to do the observation may top the disease suffered to find out which products from the family health insurance that is suitable for the chosen. Observations regarding the history of the disease make you more safe and comfortable while having a family with health insurance costs in accordance with their needs.
3. Understand the details of the insurance product especially from the sides of the benefits and Costs of the premium
When getting insurance product offerings, the easiest way to learn the details of the benefits is by questioning an insurance agent. Do not directly believe above all explanations of the agent. Ask the agent to show where clause in the policy that describes these benefits. For example, for health insurance, some things you need to know is the size of the premiums and ceilings provided. Then don't forget also the mechanism of the claim, whether reimbursed or card system (without the need to pay first). This is important, for the sake of your convenience later.
4. how many hospitals and whether the Counterparty is close to your location?
Makin a bona fide health insurance product, the network of hospitals that cooperate will also be more and more. do not let Your pain even the more difficult due to the lack of a hospital so the insurance partners. Select the insurance product that had a bona fide hospital chain and is close to the location of the work or location of residence. More ideal if got the reference to the regular subscription doctor working in a hospital referral would certainly be easier.
5. take Health insurance product that gives protection to a family, not Individual
Generally, health insurance product offered by a single protection option (for 1 person), but some are offered in the form of a couple or a family. Some of them offer special rates for additional children. Select comprehensive health protection in one family, do not take the individual given the risks can happen to anyone, especially infants and children under five years of age.
For easy payment processing and administration in the Select payment system that provides convenience, either in the form of a reimbursement system and cashless system. Cashless system, you don't need to spend the cash to pay for the cost of care (inpatient, outpatient). When the risk of pain, you can simply show the card of health insurance and medical treatment bills will be paid automatically.
Understand the rules also work on cashless system health insurance policy in order not to break out the extra costs later. Whereas the system of reimbursement, you must pay the entire cost of the treatment comes first and then the entire treatment Bill is charged to health insurance companies.
6. Affordable Premium Rates with the benefits that suit your needs
In making the financial plan, the size of the premium could be included in the budget monthly household expenses, can be put into a group health costs such as household expenses (water, electricity, telephone) or school fees. Do not overload the cost of premiums outside of the ability. Quite reasonable, important according to your needs and abilities.
Understand product, Make the right choice!
Reviews about things to consider before taking the above product health insurance can give you a clearer picture of how to choose the right insurance product. Be sure to have health insurance, either in the form of health, or the protection of additional health insurance product from other private companies. Remember, health costs can never be predicted and seemed unlimited, so absolutely must be protected from health insurance products.
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