Health Insurance

2 Kinds of Health Insurance

There are two types of Health Insurance:

1. Hospital Cash Plan

2. Hospital Benefit

Apart from the use of the words but more importantly it means that, for the first:

• does not require the original receipt, it can be legalized hospital

• usually replaced only room cost per day, either for a regular room or ICU. There is also the replacement for the operation specified amount.

• replacement cost does not depend on the receipt but of hospitalization per day or per incident according operation policy taken

• reimbursement system in the form of reimbursement, so customers pay first and then claim to the insurance company

• premiums are relatively cheaper because the replacement value too small

Second:

• Original receipt is required. If you have 2 health insurance that require original receipts, the procedure is: first determine your claim was first directed to the insurance company which, if it is then the value of the claim has not been sufficient to pay the hospital then you can ask for the original receipt to claim the remaining payments to insurance companies the second. Likewise, if you have 3 or more health insurance

• replaced cost includes room, general practitioners, specialist doctors, medicines, operating costs (if any), all receipts paid in accordance with the appropriate maximum limit that we take in policy

• claims system usually direct in the hospital, do not need reimbursement. For example, your hospital bills Rp 10m while total insurance limit of only Rp 8jt, then you immediately pay the remaining Rp 2jt in the hospital. This can happen only in a hospital partner of insurance companies that you take.

• Higher premiums

Beyond that there is also, the insurance premium that gives us 100% money back if no claim sick, it can be categorized as hospital cash plan.