The following dialogue I aimed for those who like to ask outpatient insurance. May be useful.
Z: I read in the article "Insurance Outpatient, should I?", You say outpatient insurance was unnecessary. So what?
A: Well, he already read, how nanya again?
Z: Sorry, just want to hear directly from the people.
A: Okay. According to you, the pain can be treated the way it hurt like what?
Z: Well, I never experienced the hell, the same cold cough fever. At first disposable drug store, already three days not berenti. Then I went to the hospital. Checked-check at the doctor, given a drug, it passable finished.
A: Out of how many times it berobatnya?
Z: Create the doctor 175 thousand, 90 thousand medicine. A total of 265 thousand.
A: Have not that much money?
Z: There is a hell.
A: Well, then do not need to use the insurance?
Z: But not, if there are better insurance.
A: So it's insurance for looking good?
Z: Weve him for what?
A: Insurance is to find protection. Financial protection of things that we can not bear.
Z: Oo so yes. Because I have a friend, if outpatient so stay you cards, return not use pay.
A: temenmu it can outpatient insurance from?
Z: From his office.
A: Well, if anyone from the office so thank God, just wear it.
Z: I was not there an outpatient office. The presence of only hospitalization.
A: If there is not, do not bother nyari-nyari. Toh was able to use its own money, right?
Z: Yeah. But you sell it askes outpatient?
A: There is. But if you want to take outpatient, inpatient should take. So you have askes hospitalization of office, could be redundant. If your health insurance from the first office, askes sininya redundant because the name askes if we are using a card he can not claim double.
Z: Oo so yes. If the premiums yourself how?
A: If the hospitalization, cheap premium benefits passable. But Outpatient it very expensive premiums, the benefits are small.
Z: How many?
A: For example, if hospitalized, to be able to plan the rooms which 500 thousand a day, the premiums of 2.3 million per year. But outpatient for the same plan, the premiums of 3.2 million per year. If you take the total inpatient + outpatient, premiums of 5.5 million per year.
Z: Well, considering also yes. Then the benefits segimana?
A: For outpatient plan 500, the benefits for the general practitioner consultations 85 thousand per visit, specialist 175 thousand per visit, medicines 4 million per year, there is more to diagnostic examinations and physiotherapy. And all the reimbursement system, pay first and claim. In addition, the insurance covered only 80%, the rest is borne (co-share, for risk).
Z: Well, so the total benefit for pharmaceuticals 4 million huh? Not much different from the same premiums yes.
A: Weve. If I think, than money 3.2 million was deposited into the insurance, better used as an emergency fund. At any time subject to colds then a doctor, stay put. Convinced me, not going to run out in a year if only For outpatient.
Z: Hmm, yes anyway. Okay thank you.
A: You're welcome, thanks again :).
Dental Care Insurance, glasses, and Childbirth
Z: Nanya longer allowed?
A: Yes please, mate.
Z: If dental care how, should not use the insurance?
A: The principle is the same. How much is the cost of dental care? If it is still able to use their own money, why bother to use the insurance?
Z: Oo so. If hospitalization glasses?
A: It does moreover not need insurance. Emangnya in a year how many times instead of glasses? And how much is the price of glasses?
Z: Hmm, so yes. If for delivery, how?
A: I think it is also unnecessary. First, it is not a disaster given birth, but a boon. The insurance function in case of disaster, particularly if severe calamity that costs borne alone. Second, the cost of the delivery is relatively not large. If you want to give birth at a midwife, most costs only 1 million. While in the hospital, normal birth less than 10 million. Bisalah still use its own money, as long as it is prepared from the beginning of pregnancy.
Z: If cesar how?
A: Yes prepare the anticipated funds for a Caesarean birth. The third reason, childbirth insurance premiums that expensive. Suppose want to be borne by 10 million (normal birth) or 20 million (cesarean birth), the premium is 10 millions per year. (Check the Table of Benefits and Premium Table above).
Z: Well, if you have money of 10 million, better save himself yes.
A: Yes, really. In addition, if you buy insurance, the benefit is not necessarily used.
Z: Why?
A: Due to take childbirth insurance, its status must be in a state of not pregnant. If it can not get pregnant, because there is a waiting period of 280 days or 9 months 10 days. If the insurance take childbirth but was not pregnant, then the money forfeited ngus ngus. Even if the pregnancy late, a new instance pregnant 4 months or more after taking insurance, as well unused, because the policy validity period of one year.
Z: So, if you take childbirth insurance, must be pregnant later than 3 months after the policy so yes?
A: Exactly, new unused benefits.
Mandatory insurance Taken
Z: Okay, thanks enlightenment. So, what insurers should we take?
A: Insurance to be taken, its size one: If a risk cost is too much to bear alone, or even not be able to if borne, meaning MANDATORY life insurance.
Z: For example?
A: For example, the risk of death, disability, and critical illness.
Z: Well, it does indeed heavy due to finances. If hospitalization?
A: Askes hospitalization is generally necessary for most people. But for those who have enough money, let's say he had a monthly salary of over 20 million and could set aside a third of his income, or he had an emergency fund of 100 million, may not need to take askes hospitalization.
Z: Why?
A: Askes hospitalization that function for ordinary pain, for example, typhoid, dengue, diarrhea, appendicitis. The cost is currently between 5 and 20 million, and if the hospital is expensive, it may be up to 50 million. It is quite large, but if calculated, the figure was only once or twice monthly salary. If you have an emergency fund deposits 100 million, discharged 50 million is not a problem. Stay home from the hospital looking for money again.
Z: Okay, plausible explanation. thanks.
A: You're welcome, thank you for listening
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