The following are frequently asked questions about health insurance. Starting from premiums claims to the list of the best health insurance in 2022.
Questions About Health Insurance
- What is health insurance?
Health insurance is a guarantee of financial protection given to insurance participants when they have to get medical treatment due to illness or accident.
- Definition of health insurance according to experts and the law
The definition of health insurance according to experts, one of which is Prof. dr. Wirjono Prodjodikoro, stated that insurance is an agreement that involves two parties, namely the insured and the insurer.
The insurer must compensate for the costs of losses caused by unforeseen risks.
Meanwhile, the definition of health insurance according to Law No. 40 of 2014 concerning Insurance is an agreement between two parties, namely the insurance company and the policyholder which is the basis for receiving premiums from the insurance company in return for:
Provide reimbursement to policyholders due to unexpected health losses
Provide payments based on the value that has been set on the results of fund management
Health insurance 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 cover the cost of the insured’s medical treatment or care as long as it is by the terms of the policy. A health insurance policy is a written cooperation agreement between an insurance company and a policyholder customer.
Usually, the health insurance 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.
- What is the difference between life and health insurance?
Life insurance is a type of insurance that provides cash compensation if the customer dies due to illness, accident, or other unintentional causes. Meanwhile, health insurance is a type of insurance that covers the cost of health care in the hospital if the customer is sick.
- Which health and life insurance is more important?
If you are asked which health and life insurance is more critical then return to the customer’s needs. Because with health insurance, customers will be protected from the cost of hospitalization when at any time they need medical care. As for life insurance, it will be very much required for you, a worker with high risk and as the breadwinner of the family.
- Which health and life insurance is more important?
If you are asked which health and life insurance is morcriticalnt then return to the customer’s needs. Because with health insurance, customers will be protected from the cost of hospitalization when at any time they need medical care. As for life insurance, it will be very mucrequireded for you, a worker with high risk and as the breadwinner of the family.
What are the types of health insurance?
Types of health insurance vary. In Indonesia, the types of health insurance are categorized based on the following criteria.
- Types of health insurance by type of treatment
- Types of health insurance by the fund manager
- Types of health insurance based on sum assured
- Types of health insurance based on the insured object
- Types of health insurance by payment method
Meanwhile, there are several types of health insurance. Here’s a complete list of types of health insurance that you need to know.
- Inpatient health insurance
- Outpatient health insurance
- Pure health insurance
- Individual health insurance
- Group health insurance
- Unit link health insurance
- Private health insurance
- Government health insurance
- What are the health insurance benefits?
Health insurance generally has several benefits such as coverage for inpatient, outpatient, surgery, and other health services. Most health insurance policies also provide plan options for the insured individual, family, or company employee.
- How does health insurance work?
The way health insurance works are that the insured or customer pays health insurance premiums periodically or all at once (depending on the policy). Then, the insurance company is required to bear the health care costs of each customer by the policy provisions. Therefore, the function of health insurance is very important to keep your financial cycle running smoothly.
- Can health insurance be withdrawn?
Health insurance is non-refundable. This means that health insurance benefits will only be disbursed if the insured is at risk of getting sick and must get health care.
- When can health insurance be disbursed?
Health insurance can be disbursed if the insured experiences health risks and must obtain professional medical services. The insurance benefits provided vary, depending on the policy chosen.
- What is health insurance for the elderly?
Parent’s health insurance is a health insurance policy that covers until the customer is old or lifelong health insurance. Generally, health insurance for the elderly can be extended until the customer is 99 years old.
Can health insurance be claimed at the hospital of choice?
One of the advantages of private health insurance is having a very wide and prestigious partner hospital. This means that the insured can more freely choose the hospital of choice without having to get a referral letter from the puskesmas.
- What is Islamic health insurance?
Sharia, health insurance is a health insurance policy that is managed with sharia principles, namely the mutual assistance contract. In addition, sharia health insurance is also free of usury because it follows the fatwa of the Indonesian Ulema Council (MUI) No: 21/DSN-MUI/X/2001 regarding sharia insurance guidelines.
- Pure health insurance vs unit link, what’s the difference?
Prospective customers, before deciding to buy health insurance, will wonder about the difference between pure and unit-linked health insurance. In general, pure health insurance has no cash or investment benefits. Meanwhile, for unit links, there are investment benefits and you can withdraw funds in a certain amount. For this reason, the following table shows the differences between unit link insurance and pure (traditional) health insurance.
|Traditional Health Insurance (Pure)||Unit Link Insurance|
What is the age for entering health insurance?
The age of entry for the insured in health insurance is from 6 months to 17 (children), 17 years to 70 years (adults), and childbirth benefits range from 20-43 years.
Usually the younger the age, the easier it is to be accepted by insurance. While the older you are, the more difficult it will be to get health insurance products that cover the elderly.
How much do health insurance premiums cost?
The cost of Prudential Health Insurance and various other brands per month varies depending on the selected policy. However, in general, the price of health insurance premiums per month ranges from hundreds to millions of thousands of rupiah.