As a parent, naturally want the best for the child. No wonder most parents nowadays facilitate children with health insurance.
If the child falls ill, for example, parents should not be afraid of the family's financial condition being disturbed. Because, medical expenses are paid directly by the insurance company.
The question is, which insurance company is good? You can find out through the following characteristics.
1. Widespread Network
To get the best service, the insurance company must have an extensive network, both at home and outside the city and even abroad. Wherever you take your child, the child is still fully protected if you suddenly fall ill on the way.
Just find the closest partner hospital from your current position. As a result, the child can get treatment as soon as possible so that his condition does not get worse.
Information about this network of hospitals can be asked directly to the insurance agent who offers the product
2. According to the Needs of the Child
Let alone adults, children also have different needs. Therefore, adjust the insurance product to their needs so that children are maximally protected.
Plus the cost of insurance premiums is not cheap. Make sure children can enjoy insurance benefits, so there will be no loss paying their premiums regularly.
Before making a decision, it is best to think again about what benefits the child really needs. If necessary, ask the insurance agent for information about benefits to avoid misinterpretation.
3. Providing Special Facilities
Considering that the needs of children are different, it would be nice if the selected insurance company provided special facilities. This facility can be tailored to the needs of the child.
For example, eye, dental, vaccination or immunization facilities. So, the medical costs covered by the company are not only when the child falls ill, but also to anticipate the child from diseases that can occur at any time.
It is worth paying attention to the state of health of the child in as much detail as possible. If you feel that the child needs additional benefits, then you can add it to the terms of the policy. This benefit adjustment will certainly be adjusted to the monthly premium that must be paid every month.
4. Affordable Premiums
Not only yourself and children, you also need to think about the cost of insurance for other family members. Insurance is like a form of prevention before a misfortune occurs. If there has been a misfortune, it is impossible if the registration of the insurance policy is accepted.
The large amount of insurance burden that may be paid every month makes you have to reflect financially. Try to do it by choosing an affordable premium for the child, considering that his health condition is still okay. Differs in adults who are already complex.
Indeed, there will be some limits to the amount of affordable premiums. Fortunately, you can increase these benefits or upgrade regularly to maximize protection for children.
5. Short Waiting Period
You need to pay attention to the waiting period as well when making a claim. The waiting period for some insurance companies is quite long which certainly hinders the claim process. Choose an insurance with a short waiting period, yes!
The average waiting period in health insurance is 30 to 90 days, depending on the type of disease as well. You can find the information in detail through the insurance company's website or Google.
Unlike the BPJS program, which has no waiting period at all. No matter what kind of disease, whether mild or severe, the fee will be paid automatically by the government to the hospital.
6. No Limit
The right insurance for the child is the one without limits. That doesn't mean it's free to make claims at will. There is still a limit, but overall, not per type of disease.
For example, the annual limit is IDR 2 billion. While this limit is still there, you have the right to use it for your child's needs when you fall ill.
It can be said that the possibility of using personal money is very small if the insurance limit uses a system like this. The family's financial condition is maintained even though there are regular insurance costs that need to be paid.
7. There are Investment Benefits
It would be even better if the insurance product offered investment benefits. It is important because the profit obtained is doubled. On the one hand, children can be protected by their health costs, on the other hand, they can invest as well.
Investment benefits can be enjoyed by purchasing unit-linked type insurance. With investment, you can take premium leave and avoid rising premium costs due to inflation.
Like any investment in general, it's a risk-sharing tone as well. Choose the one that suits the characteristics of the investment. So, make sure you understand the scheme so you don't feel wronged in the future.
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