Medical expenses as defined in the language of treatment costs. Thus, medical expenses insurance is insurance that guarantees medical costs of patients, either due to sickness or accident. Actually there are types or other types of health insurance referred to as disability income insurance, but the discussion will be done separately.
The background is the emergence of insurance is the fact that every day people are always faced with the risk of falling ill or an accident and should be treated in hospital. While the cost of hospital treatment to more and more expensive so that is hardly affordable by people with ordinary incomes. Thus the need for types of insurance that can cover the risk of financial loss (financial loss) due to the high cost of this treatment becomes greater.
Today most companies offer insurance policies to provide medical expenses reimbursement to policyholders or participants of insurance against medical costs in the form:
1. cost of hospitalization and surgery (in patient & surgical expenses)
2. Outpatient costs (out patient expenses)
3. dental care costs
4. labor costs
5. cost spectacles
Point no. 3 to no. 5 is basically the added benefit of standard product policy medical insurance for dental treatment, childbirth, and glasses are not related to illness or accident scene. However, if for example dental care is done as an emergency action (eg due to an accident) then of course this case can be included in the standard cover medical expenses insurance.
Before the prospective customer to buy health insurance products, the need to dig more deeply about the description of each of the above points, how long pengcoverannya time limit per occurrence, and whether or not there are costs to be borne by the customer (deductible). The author will try to discuss one by one as follows:
1. The cost of hospitalization and surgery
Bill is room per day including food and beverage. Usually the insurance company is only willing to bear this cost component to the maximum limit given day. For example, if a registered participant in the 400 Plan will be borne by the patient's maximum room costs Rp 400.000,00 per day but is limited to a certain period eg 90 days. If the patient must be signed in ICU then the insurance company can charge a different number of days, usually much shorter than the usual hospitalization. Another if the patient has to perform surgery in an operating room, the usual fees will also vary.
That are in the inpatient pengcoveran This is the cost of anesthesia, the cost of doctor visits, including specialist doctors, medical expenses before and after treatment in hospital, ambulance costs, emergency dental care costs due to accidents, and death benefits, if the patient dies.
2. Outpatient costs
Included in this cost components include the cost of consultations with general practitioners or specialists, the cost of street drug purchase, the cost of laboratory tests, and physiotherapy costs.
3. Dental care costs
Include the cost of basic care, gum care, complex care, maintenance repairs, and false teeth. Prospective customers are advised to check prior to the insurance company, whether there is a deductible (costs to self) and how the maximum ceiling per year.
4. Labor costs
Changing the costs of normal delivery, delivery by cesarean section, or miscarriage. For the record, if there are diseases associated with pregnancy, ask your insurance company, whether incorporated in the case of hospitalization (as explained in points 1) or included in labor costs.
5. Cost glasses
Changing the cost of purchasing spectacles frames and lenses. Ask your insurance company, the maximum number of times this lens replacement in one year.
source: http://pojokasuransi.com
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