Tips for Choosing the Best Family Health Insurance

In the midst of the current pandemic, we realize that the most valuable treasure is health. Many people try to live a healthy lifestyle so they don't get sick. Adhering to health protocols is also an effective way to ensure that you stay protected from disease. In addition, we become aware that choosing the best family health insurance is important to have so that we and our families can get optimal health care when we are sick, without having to drain our savings. Check out the following reviews.

Criteria for Choosing the Best Family Health Insurance

1. Offers optimal hospitalization benefits

In choosing the best family health insurance, the first thing you need to pay attention to is to look at the hospitalization benefits offered. The reason is simple, hospitalization is a type of treatment that requires a large amount of money. The benefits of inpatient fees that are usually offered are room fees, doctors, medical expenses, laboratory checks, and so on. The more hospitalization benefits covered, the better the health insurance.

2. Protect more diseases, including pandemic diseases.

The best family health insurance will provide protection against various diseases, including diseases that can cause a pandemic, for example currently COVID-19. It's time to consider health insurance that provides protection against COVID-19. So, when looking for health insurance, the first thing you should look at is a list of diseases that are included in the list of dependents. The more risk of disease that is protected, the better the health insurance. Based on these criteria, one health insurance that you should consider is health insurance from Astra Life with an additional benefit of 117 Crisis Cover.

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3. Extensive hospital network

In addition to providing health protection against various diseases, choosing the best family health insurance that is worth considering is one that has  an extensive hospital network . Do not choose health insurance that offers protection against various types of diseases, but insurance is only accepted in a few hospitals.

Given that you don't know what risks you will face in the future, it is better if you choose health insurance that does not impose a limit for each treatment, but a combined limit. Because, health insurance that imposes a combined limit will offer flexibility for policyholders.

4. Flexible in determining premiums and benefits

Choose a health insurance company that allows customers to change the benefits and premium costs according to their needs. With options like this, it will be easier for you to adjust your financial plans in the future.

When you want to  upgrade  or  downgrade , you can do it in the same policy. Of course this is more practical, because customers do not need to find other health insurance that suits their needs and start the registration process all over again. A flexible health insurance policy also allows customers to be protected at all stages of life.

One type of insurance that provides flexibility is  Flexi Critical Illness, a critical illness insurance from Astra Life. With protection of up to IDR 2 billion without a medical check, Flexi Critical Illness provides protection covering the 3 most common critical illnesses in Indonesia, namely Stroke, Heart and Cancer from an early stage.

5. Imposing a combined limit, no limit per treatment

Every health insurance will certainly impose a limit of coverage. However, the form of limitations that are imposed between one health insurance can be different. The definite limit in every health insurance is the combined limit. This term itself refers to the limit of replacement value that can be provided by insurance to its customers, usually within a year.

Apart from imposing a combined limit, there is also health insurance that imposes a limit for each type of treatment. Examples of this type of treatment include limits on consultation fees, limits on surgical costs, and others. Thus, the sum of all treatment limits will equal the combined limit.

6. Short waiting period

Health insurance generally imposes a waiting period or  waiting period  for certain types of diseases, for example, six months or one year after the policy is active. Well, one of the criteria for choosing the best health insurance that you deserve to consider is a short waiting period. The shorter the waiting time for a policy, the sooner you can enjoy the benefits of this health insurance.

7. Easy claim process

The best health insurance will not only offer broad protection benefits. But it will also realize the promise of protection by enforcing an easy claim process. So, customers will really feel the real benefits that health insurance offers. Such clear and simple claim procedures, for example, fill out and sign forms and complete documents. And what is even more important today is that it allows policyholders to download claim forms and upload them  online.

8. Providing cashless facilities

By having the best health insurance, you certainly hope to get peace of mind even in difficult times. Take, for example, when you fall ill and have to be outpatient or inpatient. At the same time, the cash in your account is limited. That is why, another criterion that you must use when choosing the best insurance is the availability of cashless or  cashless facilities . Health insurance that provides cashless facilities   allows policyholders to undergo hospitalization without having to pay first.

However, what should be noted,  this cashless facility  only applies to hospitals that are already insurance partners. That is why, you also need to make sure how wide the network of hospitals that are partners when choosing the best health insurance.