Choosing insurance for your family is an important part of planning after you have a family. Besides being useful for protecting your family, insurance can also help you avoid financial losses.
Have you prepared the best family insurance for your spouse, children, or even parents?
For those of you who don't know, family insurance is a type of insurance that provides protection from health risks that may befall you or your family members.
This type of insurance is different from life insurance or even personal insurance, especially in terms of its functions and benefits.
Having this insurance can also be a proof of your love for them.
So, if you don't have family insurance yet, let's have it now!
In order to get the best insurance for your family, you can follow the following important tips.
7 Tips for Choosing Insurance for Families That Must Be Observed
1. Get to know the insurance company well
Tips for choosing insurance for families, the first thing you need to do is to know the insurance provider company well.
Find out the history, facilities, track record, even if possible find out good and bad testimonials from users.
Don't forget to research what kind of product it offers, what are the benefits , how is the system, and don't forget to also understand the rules.
2. Choose Maximum Protection
Currently, there are many insurance companies that have been established in Indonesia, both government/private companies and local/international companies.
One thing is for sure, you must choose an insurance product that provides maximum protection from all aspects.
For example, make sure the product protects all family members, covers many diseases including chronic diseases, and has a premium refund benefit.
3. Adjust Premiums with Ability
The amount of insurance premiums is also one of the factors that must be considered.
The main key is to make sure the amount of premium you have to pay is adjusted to the monthly income that has been deducted from expenses and other allocations.
Don't force yourself to pay a large premium for benefits that are also great but instead make you unable to meet other important needs.
4. Have a Flexible System
The next tip is that you need to choose insurance for families that has a flexible system in terms of benefits and premiums so that it is easy to adjust later.
For example, when you want to upgrade or downgrade premiums, you can still do that under the same policy.
In addition, you can also adjust other things, such as benefits you get according to your needs.
5. Supported by a Wide Hospital Network
Choose insurance that has an extensive network of hospitals and health facilities, both in Indonesia and abroad.
According to a number of parties, the size of the hospital network is an indicator of the quality of the insurance.
Do not let you choose insurance for families with many benefits, but can only be used in limited hospitals.
6. Cashless
Another important thing that you need to consider when choosing insurance is the availability of cashless or non-cash facilities.
The cashless makes it very easy for you when you have to undergo hospitalization so you don't have to pay first and then make a reimbursement .
That way, you don't have to bother thinking about hospital fees that must be paid in advance before being replaced by the insurance.
Unfortunately, cashless is only available at certain hospitals that have become partners with insurance companies.
7. Ensure Easy Claim Process
The last tip that you should pay attention to is choosing insurance that has an easy claim process.
You certainly don't want to get family insurance, which has many benefits but is very difficult when making a claim?
Therefore, make sure the claim procedure from the insurance chosen is very clear and simple to make it easier for customers.
Hopefully the reviews on how to choose insurance for families above are useful.
If you want the best insurance product with maximum protection, you can check at SFL which provides many choices with many benefits!