Health costs are now the only treatment to the doctor alone has required a significant financial cost (pay the doctor added with the purchase of drugs), especially if you should seek treatment and stay in the hospital. The medical costs are getting increased resulting in a very heavy burden of the family if one of a family member attacked the disease.
Meanwhile, the unexpected, such as illness or accident is an event that often occurs even if the timing is not predictable. Because it is so needed a plan to address the problem or the issue carefully and wisely.
Be ready to face Unexpected
Here's a true story that we write as an illustration. The husband, wife, call it Roni and Rina already has a very beautiful baby with the name Alia.
Roni and Rina are the couple who live in metropolitan Jakarta, which requires them to work together in order to be able to meet all the needs of everyday life. The couple lived in a residence on the outskirts of Jakarta.
Some time ago, the fruit of their heart disease that required him to stay in the hospital because they have to undergo several tests and treatments are quite internsif. Unwittingly, their children had lived in the hospital for 1 week.
Once they want to settle their hospital bills surprised, why it cost so expensive? Up to Rp. 12 million? They are setting up an emergency fund but the magnitude is insufficient to pay all the bills the hospital earlier, so in order to pay off hospital bills before they have to dilute their future savings.
Things like this often times we hear. Not only should take away from future savings, but instead there is a need to borrow them first to the relatives because this form of expenditure is always ignored. How can you solve problems like this? There is a way which in our opinion can help you anticipate this at least in terms of availability of finance for the things that are not unexpected. First to set aside the unexpected you have to fill again when it is used and both with have health insurance. Both alternatives have advantages and disadvantages.
Unexpected Funds and Insurance
The first option is to set aside the unexpected should specify the amount of your own. Of several books related to family finances in our opinion you should prepare an unexpected tactical funds ranging from 2 to 6 months of living expenses per month.
When the family monthly expenditure of Rp 5 million, then at least you have to set aside in savings of between Rp 10 million to Rp 30 million. Because of this requirement is the need for the unexpected, where events can happen at any time, then the product placement in a high level of liquidity to our advice. For example, in the form of savings in which the decision can be done anytime with the ease of an ATM that is now almost all banks offer these advantages.
You've already set the size and place it in savings, when in the next month you should use it for unforeseen needs such as repairing the house of Rp 2 million, then you should add back the amount of its value as before. For example, USD 10 million represents funds set up for unexpected circumstances. If you have used up $ 2 million then you should have budgeted funds to replenish its total funding to $ unpredictable. 10 million back.
The usefulness of these funds for a wide range of unexpected expenses not only because of hurt, but for other needs such as, a leaky home repair, car collision and others. The limitations of this alternative to prepare for the unexpected expense of family health is highly dependent of funds available with which you set aside to fund unforeseen.
Sometimes insufficient funds prepared by continuously rising cost of medical treatment, be it only to the doctor and must stay in the hospital. The advantages with this way is that you can determine the amount of money should you spend or set aside. When things happen that no unwanted or unexpected then you have set aside funds that remain intact in number.
Alternatively you can do is to buy family health insurance. With this program you transfer the risk of unexpected things (illness) to a third party (insurance company) and costs should you spend each year in the form of annual premiums that have no cash value or be lost or forfeited if not used in the current year.
Health Insurance
Indonesian people in general have yet to see insurance especially health insurance as a necessity. As with the American or European society that has seen health insurance as a necessity. Not only the high cost of medical care in the Americas or Europe, but if they do not have insurance it will be very difficult for them to get the best treatment is desired.
In general about health insurance is similar to the general insurance where the premium paid for one year can not be returned or forfeited during the year despite no claims. Some insurance companies provide a refund of premiums paid when no one's claims during the current year, although a small amount.
In Indonesia there are two categories of health insurance is health insurance collective (group) and individual health insurance. Individual insurance usually used for families in which only consists of a maximum of 5 individual, father, mother 3 children fund. Premiums must be paid relatively higher than the collective health insurance.
Meanwhile, the collective number of individuals who took part are larger and usually the premium paid is lighter because of the risk of claims on the average by all individuals in the group. The greater the number of groups or members within a set of lower premiums to be paid.
Insurance Benefits
Health insurance is a type of insurance that keep the availability of funds when an individual or a family member stricken with the disease. All the needs of the treatment to the doctor to have to stay in the hospital with various needs such as, the cost of drugs in the hospital until the operation is borne by all insurance companies. Generally this type of treatment or programs that are available are the benefits of ambulatory (outpatient), benefit of inpatient care (inpatient), labor benefits and dental benefits.
In general, the benefits of ambulatory (outpatient) are covered by insurance companies are:
n Consultation GP
n Provision of a referral to a doctor when needed specilist
n Consult a specialist
n Purchase of medicines in accordance with the list of drugs
n Piagnostic support
In the outpatient benefits have maximum limits use of funds each year. Of the total cost of expenditures for outpatient care, in general at every insurance company requires the insured to pay 20 percent.
Labor benefits associated with the birth of the child, the cost of normal delivery, delivery with additional tools and operation of the S-caesar. To benefit "gift birth" there is usually a waiting period to 280 days. Each insurance company has a waiting period that limits vary.
As for the benefits of preventive dental care, basic dental care, dental care complex and the installation of dentures. For all treatments insurance companies typically limit the amount of the total cost that can be used per year. In the dental benefits are an obligation for the insured to pay 20 percent of the cost of care (same as outpatient benefits).
For the benefit of hospitalization which is the basic benefits that should be taken first, the coverage of hospitalization benefits are generally almost the same from various insurance companies that exist. The benefits are:
n The cost of accommodation space
n Cost-ICU room accommodation
n Consultation doctor
n Consultation specialists
n The cost of surgery, complex, major, intermediate and minor
n Other expenses include hospital: cost of drugs, laboratory tests and diagnostic
n Outpatient 30 days before and after hospitalization
n Care at home
n the local ambulance service
n Outpatient emergency room due to accidents
n Outpatient dental emergency due to accidents
n the death benefit
The amount of coverage is dependent on the program you take, the various insurance companies using the name or type of program that is different. For inpatient premium amount to be paid annual visits of the high cost of accommodation in the hospital room you choose, for example, you choose the cost of accommodation at a cost of Rp. 200.000 the following benefit options to follow a prescribed program. For these three additional programs, premiums to be paid for outpatient care based on the size of the selected GP consultation, the cost of labor based on the desired natural childbirth and dental care in terms of basic care.
Insurance Claims
In the event there are claims that insurance companies use the reimbursement system (reimbursement) or the system provider. With the system of reimbursement, the insured must first spend money to pay medical expenses that you can then claim (asking for reimbursement) to the insurance company.
In this case the completeness of letters of administration is a must. Sometimes the problem arises in the claim process because it does not complete the requirements needed. The length of disbursement dependent claims with insurance companies is generally around 7 working days.
As for the system provider is not spending a single penny, you only provided health insurance membership card in order to obtain needed medical services. Surely in a hospital or clinic you have chosen previously.
With the replacement system you can get into a hospital anywhere. While the system provider, you should determine the choice of hospital you want based on the list of hospitals that work with the insurance company.Perhaps the question arises, how much premium should we spend to have health insurance? Once again, the magnitude of the premium or fee should you spend each year depends on the program you choose. As the example above where you select the program inpatient accommodation costs Rp.200, 000, then the premiums will be calculated based on the cost of accommodation and age of the insured. The younger the age of the insured will be increasingly expensive burden of premiums.
Importance of Insurance
After learning the basics or health insurance in general, it appears that health insurance becomes very important for a family plan. Why is that?
First, by following the health insurance program, for sure you know the burden of expenditure that should spend per year for the payment of premiums without having to fear that if one family member became ill.
Second, by choosing a health insurance program with the system provider, if one family member stricken with the disease then you do not have to bother with the issue of money, because all that was covered by insurance companies and you do not need to spend any money for hospitalization. With outpatient care you will be required removing 20 percent of the total cost.
While the shortcomings in terms of health insurance is still quite expensive for our society. Actually the word is relatively expensive, therefore we strongly recommend that you plan your family finances, so you can see the family financial goals by priority.
When you participate with insurance companies that use the system provider, you can only choose a partner hospitals from insurance companies. So that must be seen in this case is how many hospitals or clinics owned by a partner insurance company . The easiest option is to determine the nearest hospital with residential houses and of course with the best quality.
So from this explanation we are looking forward you can see the importance of preparing or planning a fund unforeseen or your health insurance program that protects families from financial hardship when the plague strikes. Begin immediately. The younger you will be more easy to follow and the premium to be issued also relatively cheaper. May be useful