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On the other hand, we as humans are very susceptible to disease, many things that can affect and worsen our health, ranging from the environment we live, the food and drinks we consume, all carry a risk to our health, no wonder if today's human beings more easily Exposed to the disease.
The easier the humans to fall ill, the high cost of treatment, and the huge burden of health risks that we feel, these reasons that trigger the existence of health insurance today. Current health insurance has become one of the most favorite insurance in the world, this is not surprising because it is caused by the reasons mentioned above, and also health insurance can also make a person become calm and do not have to worry anymore with the high cost of treatment, Because if at any time fell ill then the insurance company that will bear all medical expenses.
If you are a person who is so concerned about health, and unsure of your financial ability to finance all medical expenses, maybe health insurance is the right solution for you. But please note, before you decide to use health insurance, you should know in depth first what is a health insurance? What are the benefits? And what are the types? It is important for you to do so you are not wrong in taking insurance. Well, to learn about health insurance, you can listen to reviews about the understanding, benefits, and types of health insurance that I provide below.
Read also: Tips for insurance claims easy to accept.
Understanding, Benefits, and Types of Health Insurance
Understanding Health Insurance
Basically what is meant by health insurance is an insurance that specifically address the risks to health, health insurance will bear all the costs required if you fall ill, including if the illness is caused by an accident.
But of course the benefits you get from health insurance is not free, if there is no help from the government or from where you work then you are required to pay a premium. The amount of this premium can vary depending on many things such as the level of risk borne and administrative, and of course how much premium you have to pay this will also be determined by the insurance company.
This health insurance can be obtained in various types of insurance companies, precisely in social insurance companies, life insurance companies, or also you can get in general insurance companies.
If you find it difficult to get insurance, the central government as well as some local governments also provide help, government health insurance or often called Jamkesmas (health insurance), as well as Jamkesda and Jamkesos for health insurance at the provincial and district level / City, but this assistance is only given to those with low income only.
Types of Insurance
Health insurance can be divided into various types, meaning there are some things you can choose. Among them are based on the type of care, fund managers, membership participation, the amount of funds borne, the insured, and the way of replacement.
Based on the type of treatment, health insurance can be divided into two, namely in-patient treatment (out-patient treatment) and out-patient treatment (out-patient treatment). While based on fund manager, in health insurance there are two parties, namely government and private. You need to know also, there is an issue that government-run services are not as well managed by the private sector, so not a few customers who feel disappointed about the services the government provides, this may be you consider if you will take health insurance.
Based on the participation of members, in health insurance can be done on the basis of obligations or voluntarily. In big companies sometimes require employees to join the health insurance program where premium payments are made by way of salary deduction, so inevitably employees must follow the rules of the company, this is different from people who are free to buy or not health insurance in accordance with his own desires. Meanwhile, if viewed based on the amount of funds borne, can be divided into two, namely the first all costs borne by the insurance company and the second insurance company only bear the high cost only, so the low costs arising not borne.
In health insurance, the borne can also be divided into two types, namely individuals and groups. Insurance companies can provide health protection to individual persons