Healthy Life Journal

Health insurance is probably the most important insurance to have. Costs of expensive health services will be very costly if you are not guaranteed by insurance. No few people who had to sell his property to bear the cost of hospital care. You do not have to like that by having insurance.

However, health insurance is a fairly complicated product to understand because of the wide variety offered by the insurance provider. Naturally when you can be confused by it.

Health insurance in Indonesia is currently provided either by government or private. Government through Askeskin (poor health insurance) to ensure the health costs to a certain amount for the poor people Askeskin cardholders. The civil service is also guaranteed by the Government health costs through PT.Askes who paid the premiums through payroll deduction PNS.

If you are not poor and not a government employee, you can purchase commercial insurance programs run by many private companies and foreign national. In fact, PT Askes also provides programs “voluntary participation” for employees in the private sector.

Commercial health insurance can be purchased by individuals or groups (sets). Because of administrative considerations and risks, many health insurance products may only be purchased by the group, not individuals. Here are some types of health care costs that can be guaranteed by the insurance:

1. Outpatient

Outpatient insurance to cover doctor fees, diagnostic / lab, and medicine. The costs incurred are usually determined by the maximum limit for each component per visit / per year and the maximum frequency of visits in one year. Restrictions can also be enforced by requiring a GP referral before a visit to a specialist, or the coverage is only provided if the health services performed by service providers (providers) are registered.

Outpatient insurance is usually only given to participants to group insurance and additional benefits of hospitalization insurance. (In other words, can not be purchased by individuals, and should become one with hospitalization insurance).

2. Inpatient

Hospitalization insurance to cover the cost of inpatient care in hospitals, which include room costs, physician services, drugs, laboratory / diagnostic support, surgery, etc.. Characterization of hospitalization insurance is usually done by the class rooms, for example, from the lowest room class (class III) to VIP or VVIP. For each class, there are maximum limits are covered by insurance for the cost of the treatment room, the cost of medicine, surgery, etc.. Surgery alone costs will still be divided on the basis of minor, moderate or major. So, for example, people who have hospitalization insurance class III will have a maximum cost of major operations that far lower than the VIP-class participants.

Hospitalization insurance can be purchased in sets or individual. Especially for individual insurance, we can choose whether the type of insurance reimbursement or allowance is. Insurance reimbursement (indemnity insurance) is insurance that provides replacement cost we spend according to hospital bills. Insurance benefits (cash plan) provides income benefits in a certain amount for each day in the hospital, no matter what the actual costs we spend.

Insurance Maternity (Maternity)

Childbirth insurance cover medical expenses during labor and usually only given to a group of women of childbearing age with a certain minimum number of membership. When you’re pregnant, you will not be registered as participants of insurance delivery. You also can not bear to buy insurance individually.

Insurance benefits to distinguish between the benefits of giving birth to a cesarean section and normal delivery. The maximum amount of costs incurred for both different and depends on the amount of premiums paid.

Dental Insurance

Dental insurance would cover routine dental care and surgery is not cosmetic in nature. Characteristics of dental insurance as outpatient insurance where the benefit limit divided by the cost of doctors, medicines, and other services.

Insurance Glasses

Insurance costs glasses glasses, lenses and frames. Usually, insurers will limit the frequency of lens replacement in one period of coverage, only the lens only, or just frame it.