More and more people are becoming aware of the importance of health insurance. You among them? Good .... But, be aware, health insurance products of each company is different. There are even derived health insurance products that would be very useful to improve the family health insurance. The product was called hospital cash plan insurance. What is an hospital cash plan? Let's surgical together this service. What is a Hospital Cash Plan Health insurance usually covers all components of the hospital's costs for the insured. While the hospital cash plan only bear the cost of inpatient per day or every action doctor. For example Adi sick and treated for 5 days. Previously, he paid insurance hospital cash insurance premiums with a contract agreement of Rp 1 million per day for hospitalization. That is, Adi will get Rp 5 million as a benefit of hospital cash plan.
Regardless of the cost of hospitalization Adi spent. For example, Adi hospitalization costs only Rp 500 thousand per day. So, he totaled out Rp 2.5 million for 5 days maintenance. Insurance companies still pay Rp 5 million because that is what is stipulated in the contract. family health insurance Although already dikover BPJS and office insurance, not bad if it can reimburse from hospital cash plan So also vice versa. If the total cost of treatment Rp 10 million Adi, paid insurance companies only Rp 5 million. Wow, meaning if the money is left over, it can be used for something else, dong. Yes, it does not violate the rules. Read: BEST HEALTH INSURANCE COMPANY
Insurance companies are not afraid of losing because they have calculated the average cost in the hospital. Including inflation costs per year, which is usually 20 percent of the price this year. Take for example the cost of middle-class hospital admissions at this year's well-known hospital an average of Rp 1 million. In the next year, with inflation of 20 percent, it means the average cost of Rp 1.2 million. How it Works Typically, hospital cash plan is a derivative product of insurance. So, we must buy the main health insurance premium first, then can buy the premium hospital cash plan. The good news, although we've already covered the hospital cash plan, claims to other insurance companies / BPJS still allowed. You see, the hospital cash plan only requires a photocopy of receipts for the disbursement of claims. For example, from Adi's workplace, the hospitalization cost is Rp 400 thousand per day. Later, Adi gets Rp 1 million from the hospital cash plan and Rp 400 thousand from the office. family health insurance Sometimes insurance is not enough to protect the family, complete with hospital cash plan Disbursement system hospital cash plan usually reimbursement.
That is, we pay first the cost to the hospital. New copies of receipts will be given to reimbursements for liquefaction process. This fund is very useful as a substitute for lost income opportunities per day due to being hospitalized. Especially if the cost of the hospital is well below the insurance money. Benefits of Hospital Cash Plan Looking at the characteristics of hospital cash plan above, can be seen what benefits can be taken. Here is a summary of the benefits of hospital cash plan: Stay paid even though the cost under the sum insured Paid despite other insurance paid, because it only takes a photocopy of receipts Just in case if necessary inpatient room with a higher price than the dikover insurance, for example from the office or BPJS Replacement of income during hospitalization. Buy where Hospital cash plan already exists in many insurance companies.
If you already have insurance, just ask the company's office about the hospital cash plan, for example: Cigna Hospital Life - Cigna SmartHealth Maxi Violet - Allianz Pru Hospital Care - Prudential AIG Micro Insurance - AIG Before buying a premium hospital cash plan, make sure the premium amount is not burdensome finance. Especially if you already have a dependent to pay other insurance premiums. The recommended financial planner is the total cost of insurance premiums maximum 10 percent of total income per month. For example salary Rp 10 million, means a healthy premium of Rp 1 million per month. Family health insurance Financial conditions sometimes also need P3K lho. So prepare with insurance The cost of a premium hospital cash plan also vary, depending on the benefits. Therefore, we need to look to ourselves first. Do not buy expensive premiums but the benefits are redundant. Vice versa, look for the cheap but later regret because the benefits are not in line with expectations. [Read: How to Choose the Right Insurance Product from Many Choices? See This]