Health insurance is an important financial product to have, especially in the modern era. Unfortunately, there are still many people who have not opened their minds about the importance of insurance. Bpjs kesehatan alone is considered sufficient to cover health costs that are getting more expensive every day.
For those who are already insurance literate, of course they will choose the best insurance. Insurance that can cover the needs of the family with only one policy.
Health Insurance for Families
In order to be enjoyed by all family members, the insured needs to expand the benefits of the insurance itself. The expansion of benefits certainly requires additional costs, namely in the form of an increase in the cost of monthly premiums. The amount of the premium depends on the number of family members covered, their respective ages, and occupations.
The advantage of family insurance is practical because one policy can be used for the common good, as long as the beneficiary's name is listed in the insurance policy.
Considering that the insurance premiums are more expensive, you as the head of the family need the following tips so that the benefits are maximized.
1. Check Financial Condition
Financial condition greatly affects the ability to pay premiums. If the financial condition is problematic, it is not recommended to purchase insurance products whose benefits are extensive. Fear that this decision will burden your family's finances and prevent you from meeting your daily needs.
Try to calculate the total income of personal and spouse, then reduce it by regular expenses in one month. If there are installments, just deduct them directly.
If the rest of the salary is enough to pay for insurance, it never hurts to look at health insurance products for your beloved family. Of course, by not neglecting savings and investments for the future, yes!
2. Getting to Know Family Needs
Every family needs different health products. If a family member is fine, has no history of critical illness, and has a hereditary disease, then there is no need to buy the most expensive health insurance product.
As long as the product can cover the disease in general, it is more than enough. This is one of the saving tricks so that the money to pay premiums is not in vain.
After all, the benefits of insurance itself can be expanded if needed. With a note, the insurance premiums automatically increase!
3. Determining the Inpatient Class
What kind of inpatient room is desired? This affects the size of health insurance premiums.
There are two types of rooms, namely VIP which is filled by one patient and sharing which contains two patients. Each room type has its own advantages and disadvantages, so choose wisely to improve the comfort of you and your family during the recovery process.
Please discuss with your partner if you really have difficulty choosing. You can also compare the premiums of each inpatient class. If it doesn't differ much, it's best to take a VIP inpatient class instead.
4. Increase Income, Press Expenses
Considering that family insurance premiums are expensive, inevitably you have to try to increase the amount of income. You do this by finding a part-time job, so that the source of income becomes twofold. If you are lucky enough, it is not impossible that a side job can cover the monthly premium of insurance.
As income increases, expenses usually increase. Even so, resist the temptation to spend more money than you should. Stick to a monthly budget to ensure the family's finances remain healthy.
Reduce impulsive shopping habits, use discounts to get low prices, and so on. Buy the one that becomes the need so that the peg is not larger than the pole.
5. No Need to Rush
Health insurance is indeed an important product, but there is no need to rush to have it because it is not a race. Neither wins nor loses.
This is because you need to compare health insurance products from several insurance companies. Which one is the best benefit, the most coverage cost, and has the most partner hospitals.
What about cheap premiums? Well, this does not need to be used as an absolute benchmark. Premiums are cheap, but the benefits are limited, yes, for what?
6. Orderly Paying Premiums
The last point is to pay the insurance premiums in an orderly manner every month. Do not let the policy status be disabled, then one of the family members falls ill. Can you imagine being upset?
Paying premiums is not as easy as turning the palm of the hand, especially since the family's source of income is only "one door". But instead of having to pay the cost of the coronation using your own money, it is certainly more boncos.
Remember that the cost of coronation is very expensive, especially to get the best health care. Sacrificing a little bit is okay for the sake of your beloved family. Right, right?
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