What needs to be considered before choosing insurance? Check here before you decide.
Photo by Jessica Rockowitz on Unsplash
Broke because you don't have health insurance? That fact is very likely to happen, considering the current medical costs are very draining finances. That's why health insurance is needed.
However, choosing health insurance today is quite difficult because there are so many health insurance providers. Are you confused about which insurance product to choose according to your financial condition?
There are several ways that you can do when choosing health insurance so that in the future you can get quality health insurance at affordable premiums. Check out the methods below!
Photo by Xavier Mouton Photographie on Unsplash
1. Select Inpatient
Check and compare first, which one is more expensive, inpatient or outpatient? Because, when registering for health insurance, you will be offered these two choices. Of course, it's better to have both. However, the premium to be paid is also more expensive. Then, which one to choose? Choose to have hospitalization cover. Because hospitalization costs more than outpatient care.
Check and compare first, which one is more expensive, inpatient or outpatient? Because, when registering for health insurance, you will be offered these two choices. Of course, it's better to have both. However, the premium to be paid is also more expensive. Then, which one to choose? Choose to have hospitalization cover. Because hospitalization costs more than outpatient care.
2. Choose Pure Health Insurance
Another thing that is often offered by health insurance is a package system with other insurance, such as life insurance and pure health insurance. Package insurance usually requires a higher premium fee because it has to be shared with other features. To be more economical, choose pure health insurance. So, the insurance premium that you will pay is only for health costs.
Another thing that is often offered by health insurance is a package system with other insurance, such as life insurance and pure health insurance. Package insurance usually requires a higher premium fee because it has to be shared with other features. To be more economical, choose pure health insurance. So, the insurance premium that you will pay is only for health costs.
3. Choose a Cashless Payment System & Wide Choice of Hospitals
There are two payment systems in health insurance, paying with your money first (reimbursement) and cashless, namely paying using the health insurance card that you have.
There are two payment systems in health insurance, paying with your money first (reimbursement) and cashless, namely paying using the health insurance card that you have.
Photo by Kelly Sikkema on Unsplash
Choose cashless where you don't need to spend any money at all. With this system, you only need to bring a special card issued by the insurance company. Of course, you have to make a deposit first, before getting this special card.
However, also make sure that there are many hospital networks that your insurance has. and can accept a cashless payment system.
4. Compare Health Insurance Online
You definitely want health insurance with cheap premiums, but with complete coverage. Unfortunately, that will never happen. This is where it is important for you to compare the appropriate health insurance. You can compare them online which are currently available. Starting from the services that can be received, premiums that must be paid, to other additional benefits you can find out with just one click. Good luck!
You definitely want health insurance with cheap premiums, but with complete coverage. Unfortunately, that will never happen. This is where it is important for you to compare the appropriate health insurance. You can compare them online which are currently available. Starting from the services that can be received, premiums that must be paid, to other additional benefits you can find out with just one click. Good luck!
