What is the Best Family Health Insurance?

  There are many family health insurance products in Indonesia. Insurance companies offer this service to protect the health of all family members.

However, what is the best family health insurance like? What are the characteristics, so you are not wrong in choosing. Here's the answer.

1. High claim limit

In general, there are two types of limits offered by insurance companies, namely limits per disease or treatment and overall limits.

The limit is limited, for example, IDR 200 million per year. When the limit runs out, the remaining maintenance costs will be borne by the customer.

Since you don't know what disease will eat away at your body, it's important to choose family health insurance with a high limit. This limit will give you the flexibility to get the best treatment without having to spend your own money.

Regarding limits, each company offers different limits. We recommend that you compare the limits of insurance companies in Indonesia to get the best family health insurance.

2. Extensive network

Of course there are many advantages that you can get if the product or insurance company you choose has an extensive hospital network. You can choose a hospital for inpatient care, both inside and outside the city, even abroad.

If at any time you or you fall ill while on vacation, you can seek treatment at a hospital that has collaborated with an insurance company. Interestingly, you can choose the best hospital based on patient reviews or testimonials.

An extensive hospital network is usually owned by large insurance companies or family health insurance products with the most complete services. So, it never hurts to look at an insurance company that already has a name and is trusted.

3. Payment cashless or using a card

In choosing a health insurance product, most people want an easy claim process or payment system. You can get it on the cashless type of family health insurance.

Cashless health insurance is a type of health insurance that makes it easy for customers to pay hospital bills. Customers do not need to cover medical expenses from personal money first.

The fee will be paid by the insurance company as long as the policy is still active. Customers only need to show or submit an insurance card to the hospital.

4. Can be adjusted according to financial ability

The best family health insurance is the one that provides benefits, such as premiums that can be adjusted according to financial needs and abilities.

Because, family health insurance premiums are usually more expensive than individual insurance because it covers all family members.

Avoid looking for the cheapest family health insurance if it doesn't suit your needs. Because instead of wanting something that doesn't burden your monthly finances, it turns out that the benefits are not complete and you still have to pay for treatment when you fall sick.