Medical insurance (MI) is insurance that provides guarantees to the insured to replace any medical expenses. These costs include medical costs, surgery or surgery, medicines, to dental care costs.
The insurance company will basically cover the cost of the insured’s medical treatment or care as long as it is in accordance with the terms of the policy. A health insurance policy is a written cooperation agreement between an insurance company and a policyholder customer.
Usually the HI policy contains several things, such as the risk of disease covered, the amount of the sum insured, the health insurance benefits provided, the rights and obligations of the insurance company, the exclusion of protection, to the claim letter.
To get protection from the insurance company, the policyholder is required to pay an agreed number of health insurance premiums. The more expensive the cost of health insurance premiums, the more complete and wide the range of insurance benefits received.
Health Insurance Benefits:
Benefits can be divided into two groups:
1. Health Insurance Benefits Based on Type of Treatment:
– Inpatient:
Replace medical expenses due to illness and require treatment or stay at the hospital in accordance with the provisions that apply to the conditions of the health insurance policy
– Outpatient
Reimbursement for medical expenses due to illnesses that do not require hospitalization or overnight stay, but only outpatient treatment or outpatient treatment.
– Give birth to
Reimburses the cost of childbirth or childbirth in accordance with the program taken and guaranteed in the health insurance policy.
Glasses
Reimburses the cost of eyeglass lenses and frames or frames with a cover letter from an ophthalmologist.
– Tooth
Reimburses medical expenses due to basic care, gum care, complex dental care, repair of teeth and dentures in dental care.
– General Check Up:
Reimburses the cost of health checks in accordance with the program taken and guaranteed in the health insurance policy.
2. Health Insurance Benefits Based on the Designation
– Minimizing Money Loss
The current risk of disease is not only Covid-19. But also other serious diseases, such as stroke, heart disease, cancer, diabetes, kidney failure, which are known to be expensive.
Holding health insurance can reduce the financial burden you have to bear. In fact, all can be financed by insurance companies.
That way, savings, emergency funds, or other assets remain safe. You are also free from potential debt because there is insurance that covers it.
– Providing Protection for Families
Health insurance can be proof of your love for your family. It is not only oneself that is protected, but also all family members. Starting from spouse, children, parents, in-laws.
No one can guarantee that your body condition is always healthy, productive, and able to earn a living in the long term. Health insurance can cover medical expenses if, God forbid, you are seriously ill, can’t work anymore.
So that it does not become a financial burden on the family because it is paid for by the insurance company. Even if you die, there is compensation given to the heirs.
– Managing Finances Regularly
Having health insurance can be a way for you to be more disciplined in managing your finances. Salary every month is allocated about 10% to pay health insurance premiums.
So, money is not wasted. You set aside for protection, in addition to meeting daily needs, paying debt bills, investments and emergency funds, as well as kindness or charity.
Types of Health Insurance/ Medical Insurance:
1. Inpatient Health Insurance
Health insurance that pays for treatment and requires the patient to stay in the hospital
2. Outpatient Health Insurance
Health insurance that pays for patient care, in the form of medical services such as observation, diagnosis, treatment, rehabilitation, and other health services that do not require the patient to stay in the hospital
3. Mandatory Health Insurance
Health insurance that is mandatory and follows certain rules, such as an employee who has to buy an insurance policy according to the regulations of the company where he works
4. Voluntary Health Insurance
Free health insurance. This means that it is in accordance with the wishes and needs of the individual without being bound by any company rules
5. Total Dependent Health Insurance
Health insurance, where all customer care costs will be borne by the insurance company. Both inpatient and outpatient, the amount is according to the insurance policy
6. High Dependent Health Insurance Only
Health insurance, where the insurance company will only cover costs that are relatively large and will not cover small outpatient costs, such as examinations, diagnoses, and drugs.
7. Personal Health Insurance
Health insurance that provides protection to only one individual according to the terms and conditions that apply in the insurance policy
8. Group Health Insurance
Health insurance that provides protection to certain groups (family members or company members) with the terms and conditions of the policy.
9. Pure Health Insurance
Health insurance that only provides health protection, not an investment. Premiums paid will be saved and used when the policyholder makes a claim
10. Unit Link Health Insurance
Health insurance that has two benefits at once, namely health protection and investment.
11. Cashless Health Insurance
Health insurance makes it easy for customers to pay hospital bills. Customers do not need to cover medical expenses from personal money first. The cost will be borne by the insurance company
12. Reimbursement Health Insurance
Health insurance, where the customer pays the cost of treatment or hospital treatment first. Next, submit a claim to the insurance company.
Types of health insurance/ Medical insurance:
1. Individual Health Insurance
Individual health insurance is health insurance that only covers one person. The person is declared as the insured in the policy. So, this health insurance can not be used by others.
2. Family Health Insurance
Family health insurance is insurance that guarantees health protection for the family. Because it is borne by family members or more than one person, generally the cost of family health insurance premiums is more expensive than individual health insurance premiums.
3. Child Health Insurance
Health insurance for children is health insurance that covers the entire child’s health costs. With insurance coverage, parents are calmer if at any time there is a health risk to the child, as long as the policy is still active.