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Health Insurance

Health Insurance

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12Jun

Understanding Personal Health Insurance


What is Personal Health Insurance?Personal health insurance is one of health insurance products that gives health coverage to an individual or a person who beco...
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29Jan

Why is Your Health Insurance Claim Rejected?


If you are suffering from illness which requires medical action, this is the right time for you to use your health insurance. You can file a claim to get the be...
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15Feb

Health Insurance vs. Smokers


One of the biggest myths regarding health insurance is, if you are a smoker, you will face some obstacles before getting your insurance application approved. Ob...
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06Aug

6+1 Criterias of The Best Health Insurance


Usually, insurance companies offer their best health insurance products with coverages and additional features which are similar with one another.If you who do...
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12Oct

Choose a Health Insurance with Comprehensive Coverage


If one day you experience any health problem due to a sickness or accident which requires inpatient treatment, surely you can use your personal health insurance...
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12Mar

Are Your Parents Protected by Health Insurance?


Having parents who have started entering their old age in a family surely keeps you thinking on how to provide the best health protection for them. Facts have s...

Frequently Asked Questions In Health Insurance

Pre Existing Condition (PEC) is applied to all existing diseases before you are pledged to the insurer. Diseases presumed to exist before this assurance include congenital disease, chronic illness (crytical illness), diseases once treated by medicine. So with the PEC, the insured will be subject to the Waiting Period (insurance guarantee underwriting period by the insurer) at least 12 months in a row of active policy period. The diseases are considered exclusion (excluded) and can not be guaranteed by the insurer.
The guarantee offered by the insurer is the Reimbursement system (Tebusan) or Cashless (Using Membership Card). Of course, Reimbursement guarantee is more affordable than Cashless guarantee
Excess is the cost of self-insurance that is charged to the insured, due to the excess of hospital care costs that are beyond the insured coverage of the insured.
Inpatient Guarantee is a coverage facility offered by the insurance company to pledge you as the insured for the expense of the treatment you received during the hospitalization of the hospital. Warranty provided by the insurer has a per-day coverage limit / incidence in accordance with the product you choose at the beginning of policy submission.
Outpatient Guarantee is a coverage facility offered by an insurance company to pledge you as an insured for the expense of the medical expenses you receive during outpatient care at the hospital. Warranty provided by the insurer has a per-day coverage limit / incidence in accordance with the product you choose at the beginning of policy submission. In some insurance companies, this guarantee only applies to accidental care.