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Health insurance benefits are very large, both for the insured or the family of the insured. For the insured, if they are sick or require immediate medical attention, they can immediately get it quickly.
For the families of the insured, the benefits of having health insurance are, they no longer confuse the issue of medical expenses. It would be more beneficial if the family is protected by family health insurance, which will provide comprehensive health insurance.
Among the many health insurance functions, of course there are losses and shortcomings. Before buying insurance, you must know it.
What are the benefits of health insurance?
Of course the main health insurance benefit is the existence of health insurance if the insured requires medical treatment. With the insurance, the insured can treat inpatient and outpatient without cost.
Health insurance coverage is more specific than life insurance. The insured will be secured with additional protection at a cheaper cost. No need to worry about running out or lack of money while undergoing treatment.
Health insurance coverage includes hospitalization, outpatient care, critical illness care, even dental care, laboratories, medicines and various specific therapies. Guaranteed coverage depends on the scheme you buy.
Some health insurance products in Indonesia can usually also be used as an investment tool, such as if saving in the bank. If you do not use it, you can get back the cash from the premium you paid.
If you buy family health insurance, usually the premium offered per-head can be cheaper.
Treat without having to pay cash / credit card. You just show the health insurance card or health insurance card to the cashier / hospital administration.
Some health insurance products are equipped with free medical evacuation facilities, such as helicopters or free ambulance services.
What are the health insurance losses?
Health insurance losses include premiums that can be quite large when purchasing family health insurance. Of course, family insurance premiums will be greater than individual insurance. But this is natural, because the whole family will be protected.
Not all health insurance products are health insurance plus investment. Investments are usually combined with life insurance products. But some insurance companies have started offering investments that are combined with health insurance.
Some medical measures, medications and procedures may not be covered by your health insurance. You can choose the insurance package with the most complete benefits, but still there are things that are not covered, and there is a limit on how much dependent.
What are the benefits of employee health insurance for the company?
For the owner of the company the health insurance benefits provided to the employee are considerable. Currently the government requires companies to provide health insurance employees, one of BPJS Health.
Health insurance for employees including type of health insurance collection, aka group health insurance.
Health insurance benefits for employees is to ensure employees if an accident at work, especially if the risk of work is great. Thus, instead of the company, it is the insurance company that will cover the cost of treatment.
In addition, companies that provide the best employee health insurance will certainly be sought by many employees. Employee loyalty that already exists will also strengthen. In addition to salary and benefits, the quality of health insurance is also an employee consideration.
For employees, getting health insurance coverage from the company is certainly profitable. In addition to not having to pay the insurance premium itself (part / entirely borne by the company), employees can be more lightened financially when ill.
