5 Types of Health Insurance You Need to Know

You need to know, health insurance is divided into a couple of types. The type can be seen from the fund manager, of the participation of members of the funds are covered, the number of participants are covered, as well as on how to switch companies.

1. Judging from the fund manager
• Government.
Business insurance funds can be done by the government in which the provision of healthcare cost advantage is more easily monitored. However, according to information circulating about the quality of service is so good that sometimes customers feel disappointed.
• Private.
The fund manager (premiums) by private companies. Usually the quality of services delivered relatively good. However, the drawback is difficult to mengawasai health costs.

2. Judging from the participation of members
• Mandatory.
In this regard, individuals are required to purchase a health insurance policy. In this case, for example, employees in a large company. Employees would have to follow the rules of the company to purchase a health insurance policy where premium payments will be deducted from the monthly salary.
• Volunteer.
 This means that people have the freedom to choose between buying or not buying health insurance. In other words, depending on the wishes and needs of the person.

3. Judging from the amount of funds covered
• All medical costs are borne. The insurance company will bear all the expenses of the customer care. For example ranging from outpatient, inpatient, childbirth, or care for the eyes.
• Health costs will be borne only high only. This means that there are health insurance companies will only provide compensation if the expenses incurred large number of customers. In other words, a small charge is not borne by the company, but customers themselves.

4. Judging from the bear
• Personal.
Usually, insurance companies will provide protection for personal health. On the condition that the person is a citizen of Indonesia.
• Group
The group can be from the company and could also have a family. For companies typically companies will request data from employees and from the family will request of the number of children. For a number of members usually at least 5 people.

5. Judging from the way the replacement
• Cashless.
Cashless is the submission of compensation by directly giving a membership card at the hospital partner of the insurance company.
• Reimbursement.
Reimbursement is for filing a claim is a bit complicated. Customers must first pay the entire cost of the hospital. After that, then manage and complete the documents to be submitted to the insurance company to ask for compensation payments prior hospitalizations. However, the premium offered is usually relatively cheap.