The Importance of Emergency Health Insurance — To finance medical emergency expenses is not an option although many people still go without this vital coverage. Don’t fool yourself in thinking you can go without insurance. Here are some points to consider in choosing health insurance:
- Opt for cashless system of payment
This cashless system requires the hospital where you are treated to have the cooperation with the insurance provider so that the payment will be settled between the hospital and the provider.
- Hospital Network Area
Make sure the hospital works with the selected health insurance, within your home domicile.
- Appropriate Premium
Be sure to look for adjusted premiums to suit your budget. For example, premiums vary and will be related to the type of room that you are covered by. If there is a service charge that exceeds the limit then you should be prepared to pay the cost difference.
- Prioritize Hospitalization
Healthcare costs include outpatient and inpatient care and should focus on insurance that bears the cost of hospitalization, the largest cost. If you have the means for a higher budget you will be provided additional outpatient options.
- No Limit per Treatment
There is a limit to the maximum number of health care claims. Generally, the insurance implements two types of limits, the first is the combined limit of all treatments and the second is the limit per treatment.
- Waiting Period
Health insurance requires a waiting period; some diseases cannot be claimed during a certain period from the date of the insurance being issued. Ask the insurance provider about what kind of disease is included in the waiting period and the length of the period.
Managing your emergency medical insurance is similar to managing your home finances in that your health will benefit from good management.
BIMC Siloam Nusa Dua has excellent partnerships with major insurance providers for cashless patient receipts, both inpatient and out patient care.
Here are some insurance providers we routinely work with:
- Prudential Insurance
- AXA Services Insurance Indonesia
- Mega General Insurance
- Lippo General Insurance (LG)
- Sequis Finance Insurance
- BNI Life Insurance
- Central Asia Insurance (CAR)
- BCA Life Insurance
- InHealth Indemnity
- Zurich Life Insurance
- Panin Insurance Da-ichi Life
- Tokio Marine Life Insurance Indonesia
- Sun Life Insurance
- HanWha Life Insurance
- FWD Insurance
- AIA Individual Insurance
- Indosurya Life Insurance
- Bumida Insurance
- Sompo Japan Insurance
- Cigna Insurance
- William Russell Insurance (for expatriates)
- Aetna Insurance (for expatriates)
- Morgan Price Insurance (for expatriates)
- Now Health Insurance (for expatriates)
- BUPA Insurance (for expatriates)