5 reasons to have health insurance
5 reasons to have health insurance
Blog Article
Health is important for every human being, so its protection is also very important. The benefits of health insurance have been felt by many people, especially in minimizing the financial impact of the risk of disease in the future.
Health insurance that is needed by the public in general is one that can give them peace of mind and complete the comfort of life at an affordable cost.
Not to mention the fact that health costs in Indonesia have increased from year to year. The 2020 Global Medical Trends Survey Report released by the Willis Tower Watson firm stated that gross medical inflation or health costs in Indonesia in 2019 rose almost 10% from the previous year. Meanwhile, this year, health costs are predicted to skyrocket again to 11%. This increase is predicted to be higher than the average health costs in Asia Pacific countries which touched the level of 7%.
Seeing the trend of increasing health costs, having personal insurance is a wise decision. Why?
The Importance of Having Personal Health Insurance
- Access to Many Hospitals
Because they have been present in Indonesia first, private insurance companies have collaborated with many competent partner hospitals that are ready to serve prospective patients. With a network of hospitals that are spread out and varied, you can choose a hospital according to your wishes.
- Easier Process
With a large network of hospitals, health insurance offers easier procedural services for policyholders when they are in the hospital. For example, some types of diseases do not require a referral system that requires patients to bring a letter of recommendation from a specialist doctor. This of course speeds up the treatment process.
This means that you can visit a health facility at any time, either a clinic or a hospital as long as they work with your insurance. We can even choose the doctor we want. This is the basis for many people why they choose personal health insurance as their health protection.
- Save Time
Long queues are something that is avoided when we are sick. But what can we do, often, we have to be willing to wait for hours. This will be inconvenient if you come to accompany an elderly person or a small child.
By having private health insurance, we can have a shorter flow so that it is handled quickly, and save time and energy.
- Enjoy Cashless Facilities
With health protection, we don’t need to carry cash while going to the hospital, especially if we suddenly have to go to the Emergency Room (IGD). If your health insurance has a cashless or non-cash feature, you only need to show your insurance card at the hospital counter. After that, the costs will be guaranteed in advance by the insurance to the hospital.
- Cash Benefits
Another benefit offered by private insurance is the cash benefits provided while the patient is being treated in the hospital. This assistance is beneficial for the families of patients who wait in the hospital every day, as a replacement for transportation costs or family hospitalization costs.
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