How to Choose Health Insurance

Health insurance is very important for individuals who are single or married. As we know, the costs incurred at the time of hospital admission is not cheap. It is usually not quickly realized until we experience it for yourself. 

 
These are some things to consider before buying health insurance:

1. You have to choose whether you want inpatient plus outpatient, or one alone. In fact some insurance there are a few other extras such as childbirth, eyes, teeth and so on. Choose according to your needs.

2. For inpatient care, you can determine how much space you want to class VVIP, VIP, class 2 and class 3.

3. If you've got health insurance from the office, check what is covered. Is it enough for your needs? When you can not buy additional insurance enough to see the difference shortcomings. (Can use the room as a benchmark).

4. Look at the nearest hospital to home or the office and ask the insurance company if there is cooperation between the hospital you want to simplify the claim process.

5. Ask the hospital, where they recommend insurance. Because the hospital would prefer if their insurance claim, direct the payment process faster.

6. No health insurance reimbursement system and there are only enough to use the card. Usually health insurance can be used for almost all hospital reimbursement system but not all cards except the hospital receiving partner. Ask your insurance agent, whichever hospital they are partners.

7. Find an agent who has long been in the business of insurance and reliable when you need him to process claims and so forth.

8. There is health insurance that provides constraints - cost constraints. Such as small surgical $. xxx and $.xxx drugs. There is also a limit but not per item per year. Example: In one year you are given limits $.2.000, - and the limits it can be used for any items except the room (because it was determined from the beginning).
 
9. Ask yourself, is there a hereditary disease which is dangerous or not? If anyone needed you can add and critical illness insurance. But you have to remember on critical illness insurance, funds will only come out when you have very severe disease. Example: cancer stage 3 or 4.

10. Option for pure health insurance, for a more maximal coverage. Make sure your exact needs. You may ask the opinion of others but the decision remains in the hands of you, because no one else is paying premiums but your own. Do not add a rider that you do not need.