How do you buy health insurance tips for you and your family?
When talking about insurance, health insurance is still one of the most frequently chosen insurance companies.
But health insurance in the community usually has a premium price that is relatively more expensive than life insurance and other insurance benefits.
So how do you buy health insurance so that your budget is efficient and gets optimal protection?
If you really want to buy health insurance, let's look at 8 tips for buying the following health insurance.
Understanding and Buying Health Insurance Health insurance is indeed an insurance favored by many people. Rarely do people consider buying life insurance without considering buying health insurance.
In general, the risk of illness and the relatively expensive hospital costs are factors why people often buy health insurance.
But many people buy health insurance because of the extraordinary offers from insurance sales agents, not because the person understands and knows his need for health insurance.
Before we discuss further tips for buying health insurance, of course you already have consideration before deciding to buy health insurance.
Questions like how often you go to the hospital, whether you have a history of hereditary disease, whether you can manage your own health insurance fund.
Are your life insurance and critical illness needs met are things that you must consider before deciding to buy health insurance.
I will not discuss this further in this article. I am sure you have considered all these questions so you decide to buy health insurance.
8 Tips for Buying Health Insurance for You and Your Family The following are tips on buying health insurance, both for you and your family when you want to buy health insurance.
# 1 Buy According to Your Budget
Of course this is the most important thing, that you must buy health insurance according to your budget. When you read this, maybe you think that, everyone must have known about this.
But I want to invite you to understand this more deeply.
The meaning of these tips is that you really do a budget for your insurance fund, not thinking about it after you are offered a premium price from an insurance sales agent.
That means you are the one who determines at the premium price what your health insurance is, after of course you budget other things like saving, investing and so forth.
This is important so that you don't spend all of your funds just because health insurance offers from your acquaintance sales agent are very tempting. Determine and buy health insurance in accordance with the budget.
# 2 Determine Your Comfort
This is another thing that you must specify in advance. What kind of care do you want to get? Everyone wants to get more comfort but not necessarily everyone can afford to pay the price.
Determine the lowest limit that you can tolerate about comfort.
What class rooms are comfortable for you? How important is it to be treated in a VIP or VVIP room?
If you have no problem to be treated in class 2 rooms, take appropriate health insurance so you don't pay more premiums than you should so you can allocate your money to other financial goals.
# 3 Take advantage of BPJS Office Insurance or Insurance
If you have office insurance, you must use it well. You have to find out so that when you buy health insurance, you can buy health insurance that complements with your office insurance.
So that the funds you allocate to pay for your own personal health insurance premium are efficient and you can still get optimal protection.
# 4 Choose the type of insurance that suits your needs
There are two types of insurance that you can choose when you want to buy health insurance, including traditional term health insurance or unitlink health insurance.
Term health insurance will protect you for a certain period of time, the advantage is that premium prices are far cheaper than unitlink insurance.
Unitlink health insurance is an additional benefit of the basic benefits of unitlink life insurance, therefore premium prices are certainly more expensive than term life insurance.
You must choose the type of health insurance that suits your needs.
# 5 Choose Health Insurance That Can Complete
Health insurance based on the way the claim is divided into two types of health insurance, namely cashless health insurance and reimbursement health insurance.
Cashless health insurance means that when you enter a hospital, you don't need to pay in advance, the insurance company will directly bear it. You only need to pay the excess.
But the cashless system requires original receipts, so you can't claim to other insurance anymore.
# 6 Unitlink Health Insurance Must Be Separated From Other Insurance BenefitsIf you want to buy unitlink health insurance, it will be much better if you buy it separately from other additional benefits.
Why? Because you do not have more than one health insurance with a cashless system at the same insurance company (may not have more than one insurance health card).
# 7 Have Some Health Insurance Policies NOT Mistakes
This is one of the tips you need to pay attention to. Many people still think that we only need to choose one insurance policy. In fact, many people have more than one insurance policy.
You cannot buy one policy that directly fulfills all your insurance needs and your family, because the insurance policy will be relatively expensive, and also your insurance will continue to grow with increasing income and your needs, so you must upgrade your insurance.
# 8 Compare Health Insurance from Several Companies
This is the thing you must do, don't be too quick to decide to buy a product.
Take a few days or weeks to compare health insurance products from one company to another.
Look for health insurance that you really want, according to your budget and can meet your needs.