Health insurance is the most important insurance for everyone including toddlers or infants. Just like adults, children also need health insurance from an early age or when the condition is still healthy. Because, most health insurance will do rejection if you have just applied for insurance when you already have an illness.
Imagine if in the future the baby falls ill needs to be treated by a doctor, but does not have enough medical expenses, of course it will not have the heart to see it right? With insurance, parents don't need to worry about questioning it anymore.
The following are five important reviews that parents need to know how important it is to prepare insurance for babies from an early age, including:
Confused looking for the best and cheapest health insurance? Look at having a solution!
1. Labor Process for Pregnant Women
When married, not many couples directly prepare all the needs for their children later, including health insurance. In fact, health insurance is very useful when the mother will give birth to her child later.
If the condition of the fetus in the womb is problematic and cannot deliver normally, the use of health insurance can be the right solution. You can consider using insurance or BPJS Kesehatan. Both are equally beneficial for the health of the mother and child during the delivery process.
2. Family Disease History
Does your family have a history of special diseases or hereditary diseases? Derivatives will usually be passed down from one generation to the next. When the mother gives birth later, chances are that the baby will also suffer from the same disease as family illness.
Follow-up needs to be done, namely by buying health insurance products from the start to complete the needs of the child. When the fruit falls in love, parents can take advantage of the facilities provided by the insurance company to get medical treatment.
Choose health insurance products that suit your needs. Do not forget to also do a comparison of each insurance product, ranging from costs to facilities.
3. Ease of Submitting Claims
The proposed insurance claim is usually completed with the date, time, name of the hospital and total medical expenses. However, claim submission does not always go smoothly. Some policies often have to undergo a long process so that claims are approved by the company.
In order to submit a complicated claim, choose an insurance company that has good credibility and is recognized by the community. Whenever you submit a claim, the process is easier to approve.
4. Credibility of Insurance Companies
The number of health insurance companies in Indonesia that are trusted today is mushrooming in various cities. Every company certainly offers different products, facilities and services.
Before registering a toddler to health insurance, you should pay attention to the credibility of the company. Is the company rated good or bad by the community. Do not let it be because you are lazy to ask, you are wrong to choose insurance for the needs of your child.
You can get information through the internet about the best health insurance companies in Indonesia. So that the information obtained is more accurate, there's nothing wrong with asking directly to friends or colleagues who have joined the health insurance in question.
5. Maintain Family Financial Conditions
Medical expenses in hospitals are increasingly expensive. This is the reason why insurance products are increasingly in demand by the public. Because, some medical expenses at the hospital will be covered by health insurance.
To avoid applying for a loan or debt, it would be better if a toddler is registered as a policy of health insurance early or when the condition is still healthy. Whenever your toddler needs medical expenses, you don't need to be confused to find extra money to pay for hospital treatment.