Health insurance is a medium of protection against the risk of illness that can occur at any time. You certainly never want to suffer from an illness so it reduces your performance ability.
Especially if the job is the main source of income. As a solution, you can register as a special insurance participant for health protection.
Health Protection Insurance
Everyone will certainly compete to be a healthy human being and never get sick. However, is that even possible? Of course not, everyone will have a possible risk of getting sick.
The risk of getting sick can be small or big. If it is small, the maintenance is quite simple. If it’s big, it could be up to spending savings or even increasing debt.
One way to anticipate the risk of getting sick, you can register as a participant in health insurance. This insurance is a type of insurance used to cover the health care of the insured. Usually, the type of dependents will be stated in the insurance policy.
Types of Health Insurance
Insurance that is used as health protection has several types based on the condition of the participant. Some possible conditions, for example, are related to medical history, occupational risks, and coverage.
So that you can understand more deeply, it would be nice to read the following article to the end.
1. By Type of Treatment
Every pain experienced by someone has a different treatment. The treatment in question, for example, is required to be inpatient or outpatient. So, based on this difference, the insurance that you have to choose also needs to be adjusted.
But if you want better protection, you can choose both types. The condition is that the premium paid is greater.
2. Based on the Claim Payment
Payment of insurance claims is divided into two forms, namely cashless and reimbursement. The two are of course different, in cashless claim payments, so when a risk occurs you don’t need to pay for treatment first. The maintenance fee is fully covered by the insurance.
On the other hand, there is also the payment of reimbursement claims. These payments allow you to prepay for treatment costs. After that, you can submit a claim payment to the insurance company. The condition is of course by attaching several things that have been determined.
3. Based on the Insured Party
Each insurance has a different insured party. This difference will affect the premium paid to the insurer. The more insured, the greater the premium paid, and vice versa.
Premiums to be Paid
Insurance premiums are costs that must be paid by the insured to the insurer to bear the risks that may occur. In this case, the premium payment is certainly different for each insured. Premiums can be paid monthly or as agreed in the insurance policy.
The calculation of health insurance premiums is adjusted to various things. Starting from age, medical history, and profession to family dependents. For example, the insurance premium that will be paid is based on the criteria, of a 40-year-old man with a medical history of heart disease. On the other hand, his profession is as a lawyer with several dependents of 1 wife and 2 children.
In calculating insurance premiums, of course, they will be adjusted to the conditions above. This will also depend on the likelihood of a claim occurring in the near or long term.
Those are some things you need to know about health protection insurance. No one can predict that someone will never get sick. One way to deal with the risks that occur is through health insurance protection.