It is understandable if you will consider premiums when you do a health insurance comparison. And that's what most people do.
However, it is certainly not wise if you compare using only one factor. Moreover, health insurance premiums in general fell. Or at least stagnant. Due to increasingly fierce competition, insurance premiums are on hold. Not up. Even if there is an increase, the premium increase is not so significant.
Hence, comparing health insurance by using the insurance premium factor is not appropriate.
Then, what factors should be compared?
Choice of Type of Protection Provided
A credible health insurance company must provide many choices of types of protection. Not just one or two. Especially if they have been in this business for decades. They certainly know that everyone's needs are different.
From the customer's point of view, of course you will choose health insurance according to what you need, right? Therefore, you should choose insurance that provides many choices.
There is individual insurance, family insurance, inpatient insurance, outpatient insurance, and many more. As a prospective insurance policy holder, you choose the type of protection according to what you need. This is something you should keep in mind when you do a health insurance comparison.
Applied System
In addition to the type of protection, also understand the system applied. For example, the premium payment system. Can you do it via bank transfer or do you have to go directly to the insurance office?
And most importantly, understand the claims system. Some insurance companies implement a reimbursement . This means, if you are sick and hospitalized, you have to bail out with your money first. Only then when you are healed do you file a claim. You must prepare the necessary documents such as an insurance policy letter, a photocopy of your ID card, and don't forget a receipt from the hospital.
There are also those who apply the direct system. This means, when you are sick and need to be hospitalized, you just have to show your insurance card. OK. You will be treated immediately and the finance hospital will contact the insurance company to complete the administration.
Which is better? Obviously the second system. This is also what you should take into consideration when comparing health insurance .
Hospital Designated as Partner
Another thing that needs to be compared is the hospital appointed as a partner. Of course when you are sick you want to be treated in a good hospital, right?
Unfortunately, not all insurance companies cooperate with bona fide hospitals. Only good health insurance companies run MoUs with the best hospitals.
In choosing health insurance, don't just look at how much premium you have to pay or whether the company is well-known or not. Also pay attention to the hospital that is appointed as a partner. Because basically you need the treatment that you get from the hospital, not from the insurance company, right?
When an insurance company cooperates with the best hospital, it means that the hospital trusts the company. And it is also a sign that the insurance company can be trusted.
Total Sum Insured
There are insurances that only provide high coverage costs. This means that only expensive maintenance costs are covered.
On the other hand, there are insurances that provide total coverage costs. This is also what you should pay attention to when doing health insurance comparisons.
For those of you who are very at risk of getting sick or getting sick easily, it seems that total coverage is the right choice. However, if you only want to get funding for medical treatment that requires high costs, you can choose another option.
After knowing this information, are you even more sure to choose? If you are even more confused, you should first consult with a friend or relative who understands health insurance.
Or you can take advantage of a broker. This is a third party that will help you when comparing health insurance. They seem to be a consultant for you to determine what the best health insurance for you is like.
In addition, you can also take advantage of the services provided by Premium Checks. On the official Premium Check website , you can make comparisons online. And you don't have to bother. The system will guide you to get the best health insurance option.
Just click on the Premium Check site. Go to the Health Insurance section. After that, you will be asked to enter what you need. Such as the type of insurance whether individual or family, your address of residence, and so on.
Then, you just click Check Premiums. Then you will get the best health insurance premiums according to what you need. Interesting right?
And if you want to have an insurance policy right away, you don't have to get out of your seat. Just proceed to the next process, which is filling out the form. Fill in your personal data form as completely as possible. Submit the form and you will get an invoice or bill.
You can pay invoices via bank or ATM. You can also use your credit card. After that, you just have to wait at home. A hardcopy of your health insurance policy will immediately be sent to your home address.
With this Premium Check, you reduce the amount of time you should use to make health insurance comparisons. You also don't have to bother asking a lot of people when you want to have the best health insurance. So, don't waste this facility. Take advantage now.