Health Insurance, Consider this Before Choosing it

You need to have health insurance so that you don't have to incur large costs when you are sick or undergoing treatment.

You need to have health insurance so that you don’t have to incur large costs when you are sick or undergoing treatment. This is because the health insurance company will cover the costs incurred according to the agreed premiums and rules.

There are various types of health insurance that you can have. From the government, you need to have National Health Insurance (JKN) or better known as BPJS Health. Apart from that, there are also health insurance options from private companies. Both of course have their respective advantages and disadvantages.

Health Insurance, consider this before choosing it

With health insurance, you or your family don’t need to worry about the costs you will have to incur when you are sick or undergoing treatment. The reason is, there is already an insurance company that covers it.

If there are costs involved, they tend not to be large so they don’t put too much of a financial burden on you or your family.

Get to know Government Health Insurance

Health insurance from the government, namely the National Health Insurance-Healthy Indonesia Card (JKN-KIS) is the right choice if you want insurance with affordable contribution costs.

For residents who are unable to register, the government has covered the costs of JKN-KIS so that they are not burdened with contributions and can still get the benefits even though the rooms available are limited to class 3 rooms.

Participants who already have JKN-KIS health insurance can enjoy health services, such as examinations, treatment, medical consultations, drug services, blood transfusions, operative and non-operative medical procedures, inpatient care, and forensic doctor services.

To obtain the above services, patients must ensure that the health facility (faskes) visited has collaborated with the Social Security Administering Agency (BPJS), as the organizing body for the JKN-KIS program. Health facilities can be community health centers, general practitioner clinics, or hospitals.

This government-owned health insurance also applies a tiered reference system. So, patients must check themselves at level 1 health facilities first, for example community health centers and general practitioner clinics.

If the patient cannot be treated at a level 1 health facility, then the patient can be referred to a hospital that also collaborates with BPJS. Without a referral, patients are not permitted to seek treatment directly at a hospital or specialist clinic, except in emergency situations.

The disadvantage of this government-run health insurance is that there are several health services that do not receive coverage, such as:

  • Services to overcome infertility or difficulty in conceiving children
  • Alternative treatments, such as acupuncture
  • Health services for aesthetic or cosmetic purposes
  • Health services for illness or injury due to work accidents or those covered by the work accident insurance program
  • Teeth straightening or orthodontic services
  • Health services for health problems due to drug or alcohol dependence
  • Health problems resulting from intentionally hurting yourself
  • Health services provided abroad

Get to know more about private insurance

Even though they have registered as JKN-KIS health insurance participants, some people choose to continue to have private health insurance. So, before you decide to have private insurance, pay attention to the contributions or premiums that have to be paid.

The costs incurred are generally higher compared to government health insurance. So, you have to adjust your income and routine expenses so that you don’t have difficulty paying premiums.

Private insurance has advantages, namely that the health facilities available are more diverse and the rules applied are more practical. Some private insurance companies can also cover treatment or medical costs abroad.

Apart from that, private insurance does not adopt a tiered referral system so you are freer to choose a hospital or doctor according to the health services you need.

However, of course the health facilities and services obtained can differ based on the agreed premium. The higher the premium paid, the better and more varied the facilities obtained.

Apart from understanding the premiums that need to be paid, also pay attention to the requirements for registering for insurance. Some companies have easy and practical registration requirements, with relatively affordable premium costs, for example Aloprotection.

You will find it easy to join this insurance and the benefits you get will also be varied. Aloprotection can cover full health costs of up to 100 million per year.

Health costs that can be covered include inpatient care, outpatient care, laboratory procedures, and treatment or procedures in the emergency department.

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