Understanding and Types of Health Insurance

Understanding and Types of Health Insurance

In modern times, everything is expensive, and one of them is the high cost of treatment. But behind the modernization, although all-expensive but everything becomes so easy and practical. In the world of health alone, there is no doubt that everything is also more expensive, the cost of treatment, care, and more all the more expensive.

Understanding Health Insurance

Basically what is meant by health insurance is an insurance that specifically address the risks to health, health insurance will bear all the costs necessary if you fall ill, including if the illness is caused by an accident.

But of course the benefits you get from health insurance is not free, if there is no help from the government or from where you work then you are required to pay the premium. The amount of this premium can vary depending on many things such as the level of risk borne and administrative, and of course how much premium you have to pay this will also be determined by the insurance company.

This health insurance can be obtained in various types of insurance companies, precisely in social insurance companies, life insurance companies, or also you can get in general insurance companies.

If you find it difficult to get insurance, the central government as well as some local governments also provide assistance, government health insurance or often called Jamkesmas (health insurance), as well as Jamkesda and Jamkesos for health insurance at the provincial and district level / city, but this assistance is only given to those with low income only.

Types of Health Insurance

Health insurance can be divided into various types, meaning there are some things you can choose. Among them are based on the type of care, fund managers, membership participation, the amount of funds borne, the insured, and the way of replacement.

Based on the type of treatment, health insurance can be divided into two, namely in-patient treatment (out-patient treatment) and out-patient treatment (out-patient treatment). While based on fund manager, in health insurance there are two parties, namely government and private. You need to know also, there is an issue that government-run services are not as good as those managed by the private sector, so not a few customers feel disappointed about the services the government provides, this may be considered if you take health insurance.

Based on the participation of members, in health insurance can be done on the basis of obligations or voluntarily. In big companies sometimes require employees to join the health insurance program where premium payments are made by way of salary deduction, so inevitably employees must follow the rules of the company, this is different from people who are free to buy or not health insurance in accordance with his own desires. Meanwhile, if viewed based on the amount of funds borne, can be divided into two, namely the first all costs borne by the insurance company and the second insurance company only bear high costs only, so the low costs are not borne.

In health insurance, the borne can also be divided into two types, namely individuals and groups. Insurance companies can provide health protection to individual persons as long as they are Indonesian citizens. In addition, it can also be given in groups, eg given to an organization, company, or can also be given to a family, with a general requirement in the group must have at least 5 people. Meanwhile, if viewed based on how the replacement, health insurance can be done in two ways: filing compensation using member cards and also filing a compensation by way of customers pay the entire treatment first, then be replaced by the insurance company.

Okay, maybe that's just a review of understanding and the types of health insurance I can give you. Hopefully reviews on understanding and types of health insurance above can add insight and knowledge of you all.