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Many health insurance companies that claim their products are the best health insurance, so confuse lay people. The question is, of all the best insurance products that, where health insurance is good for you?

I held up a thumb for you, who have realized the importance of having protection. Not many people have insurance awareness let alone think of to protect the health of family members (family insurance).

I give my special appreciation for people like you who choose the path to find out / information before determining pilihannnya. People choose to take insurance in general is aware of the importance of health.
If I may ask, Why did you take Insurance?

1. Because health care is expensive.
2. Hospital costs are increasingly rising.
3. Health conditions are not always predictable is always good.
4. Do not have protection from the office / place of work, if ill, no one
ease the cost burden.
5. High risk my job, working in the field.
6. So if treated in hospitals could be free.

If the reasons above into your base to have protection, I think almost all health insurance products in Indonesia has been able to cover it all.

But you need to remember the disease / health is a serious problem that must be prepared as well as possible, so before you have to consider that health insurance you need is not to protect you / family from health risks today or tomorrow, but a few years or perhaps decades ahead.

Several things into consideration include:
- How much benefit for hospitalization.
- Outpatient
- Ambulatory surgery, etc..

Many people assume that by having the protection of the above states that the insurance they will be suitable for him.

Fact: There are many benefits of outpatient / inpatient used by customers

Some people take this protection semata2 just want to double claim of protection has been provided by the office where she worked.

They think inpatient / path is the ultimate protection in choosing insurance, you try to remember when your last hospitalization at the Hospital?
3 years ... 4 years ... even when I was old school ... that means the benefit is very rarely used.

Be aware that the benefits of inpatient / path associated with the amount of premiums to be paid. When you decide to take this benefit needs to be seen how many days a year you will be protected?

There are three things more important than just the benefits of inpatient / road course, you need to look at and be a consideration in choosing a good health insurance, three important things are in general not all life insurance companies / health mengcovernya brave, important things that is ...

Most feared disease of all people today are CRITICAL ILLNESS, be it heart disease, cancer, tumors, stroke, etc.. The disease each year is increasing the number of sufferers, due to unhealthy lifestyle, stress, even as obesity.

And according to a survey conducted by WHO, 90% of people die earlier due to hit the critically ill. This means that only about 10% of people who die in natural conditions. Hmm .. very little not ...

For the critical illness is also cost countless expensive, if it's been hundreds of millions can be imagined ten, twenty and even thirty years later, it could be billions right? This is what we have to look at and pay attention!

Check and ask your insurance agent that offers:
1. Does having insurance protection for the critically ill?
2. How many different types of critical illness dicovernya?
3. If there is, check how much protection is reserved for critically ill and you try to think and count again been given enough protection costs compared with the requirement that costs as incurred?

This is important, because not all health insurance provides protection for the critically ill, some exist but have very little cash value, it does not help you!
Do not forget to check and ask, usually good health insurance that will provide savings benefits for free when customers affected by critical illness.

The question:
"With the lifestyle that we run it now, within the period 20-30 ahead, is there a possibility we are exposed to one of the critical illness?"

In addition to critically ill is still something else that is also high risk levels such as sickness or accident disability, total permanent disability and even allowing one could no longer work.

If this happens to customers,
Ask as much detail as possible whether conducted by the insurance company:
1.Mengeluarkan protection costs, and close the policyholder (a breakup), or
2.Mengeluarkan protection and benefit cost savings to its customers free of charge until a certain age, and other ongoing protection.

My advice, choose the insurance that gives the option number 2, because we all know when someone is having total permanent disability, automatically he could not do the job up as before, for some companies in Indonesia is a state of such employee will be given consideration for policy "early retirement" on the employee. You will understand what I mean.
Ohya do not forget to look for insurance that provides protection with a total permanent disability pay claims directly rather than "repaid".

If you decide to have a current protection, then you also have to calculate up to what age you will be protected, because of course the difference in 5 years will be very important for you instead? Health insurance claims its products are good to have the longest period of protection, especially for critical illness benefits (to customers aged 70 years).

Also look for health insurance are not reducing the benefits / benefits in the event of a claim from one of the critical illness or total permanent disability the claim will be accepted if the beneficiary if the insured dies.
A good health insurance always puts the customer in a position to "win"
This means that any cost benefits (critical illness / total permanent disability) issued to its customers does not interfere with the cost of benefits (life) more, because many insurers are quick to have cost a great protection, it reduces the cost of the benefit is mutual.

Ask more details about the company's financial strength not only from the information agent / ads served but the real accomplishment achieved by the company.

Do you already have health insurance benefits above? If not, you should question the financial consultant (agent) your health insurance.

Aidil Akbar Madjid, MBA, CFE ®, CFP ®, RFC ®
Wealth Planner ™,
Experts Microeconomics & Families

For those of you who do not have protection, we are here to help you to see what benefits you get with the insured, click here

Many of the facts occurred, many people off guard to choose not to have insurance, the wrong choice of health insurance, and not considering other factors.
So as I mentioned earlier that if you are not keen in considering the benefits of protection, it is feared will actually cause serious problems in financial planning, not even the few who finally "broke" because the claim is given insufficient for health costs, because it's focus to see the benefits you will receive later.

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