Have health insurance from now

Having health insurance since young can save a lot of expenses for treatment when attacked by the disease. With insurance, your medical expenses can be helped, according to the benefits of the previously chosen product. Most Indonesians still pay for their own health costs from savings. Only 30 percent of Indonesia's population has private health insurance. Even though health costs inflation reached 10-15 percent per year due to rising prices of drugs, equipment, and doctor's fees. Having health insurance since you are young actually brings many benefits.

• Generally do not require a medical examination because they are considered less at risk of illness.
• The amount of premiums that need to be paid is relatively smaller compared to those just beginning to be insured at an advanced age.

If you do not have health insurance, you can start checking product options and look for information about the benefits from now on.

Health Insurance Facility from the Office

Generally companies provide health insurance for hospitalization for their workers. To be more certain, you should first check what kind of health facilities provided by your office. First check whether the health insurance provided from the office suits your needs:

Are there certain diseases that are not guaranteed?

Some insurance does not guarantee some critical illness. In addition they also do not bear conditions that already existed before or from birth. So if you have it, you need to have your own health fund. You need to provide these conditions when filling out the registration form. For example, suffering from asthma from birth or heart dysfunction.

Is the guaranteed price of room class according to your expectations?

If when you are sick you want to be treated in a VIP room for IDR 1,000,000 per night, but only 4 class rooms for IDR 200,000 per night are provided by the company insurance, then you need to think about alternatives or additional sources of funding if at any time you are treated.

Will the insurance guarantee treatment at any hospital or only at certain hospitals that work together?

Generally, the health insurance company provides a list of names of hospitals that can receive insurance. If there is no hospital that is easily accessible from home or that can handle your illness specifically, you can consider other insurance or maybe need to think about other sources of funding.

When does the effective guarantee apply?

Some new insurance guarantees medical costs 30 days after the policy is received or the contract is signed. Check before signing the insurance form.

Are outpatient costs also covered? Or use a reimbursement mechanism (replacement)?

Most companies have a reimbursement system for outpatient treatment. The cost of treatment is paid for first and then reimbursed by the company.

Are transactions done with a card or reimbursement system?

Reimburse system makes you have to pay for your own health costs first to then be replaced by the insurance. The risk that often occurs is the nominal paid is not in accordance with the agreement or it turns out it was not covered from the beginning. While the card system, you just come to the hospital and show a card that has been integrated with the insurance data. Confirm this with the insurance of your choice.

Does the insurance apply to individuals or also cover all members of the nuclear family?

Some companies only cover employees who work at the site. If you are married, you need to have an emergency health fund or buy additional health insurance for your spouse and children.

Health Insurance Administering Agency (BPJS)

In the past, companies generally included their employees in the government's Workers' Social Security (JAMSOSTEK). Now JAMSOSTEK members automatically switch to BPJS participants. You who have this card can access health services in certain hospitals or clinics that work with BPJS. You who don't work at a company can also still be a member of BPJS by following these steps:

• Register online or come to BPJS offices by filling out forms and showing an identity card
• After getting a virtual BPJS account, prospective participants make payment of fees to the bank.
• Provide confirmation of the payment of contributions to the BPJS.
• BPJS cards are given to participants.

You can find out more about the Terms and Conditions that apply by accessing the official website of the Health Insurance Provider (BPJS).

Personal Health Insurance

If the health facilities from the office or BPJS apparently do not meet the needs or expectations, you can consider buying health insurance yourself. This insurance is also important for those of you who work freelance, part time, or self-employed who have not received health facilities. It takes time to understand health insurance because each insurance has a product with different benefits and conditions. The following are things that can be taken into consideration.

• Check what is covered by the insurance company. There is insurance that only guarantees the cost of hospitalization with the cost of medicines and a separate doctor. There are also those who only suffer only critical illness or surgery. It is better to choose insurance that covers all health costs because surgery and medication costs are usually the biggest.
• Ask how much Risk Based Capital (RBC) the insurance is. Healthy insurance companies have an RBC figure greater than 120 percent.
• Pure insurance / protection or insurance plus investment? If your goal is to provide protection for yourself and your family, then you should choose pure insurance that provides 100 percent protection.
• Choose a reliable insurance agent when you are sick and need to submit a claim.

Save the card, policy, and telephone number of the agent or insurance company so that it is easy to find during an emergency. Start to consider buying insurance for those of you who don't have one. Careful steps in utilizing health insurance will make you no longer need to worry when attacked by disease.