People say, having health insurance is good. If there is anything living insurance is borne. Just come to the doctor, convey complaints, doctors check and doodles on the recipe paper, redeem drugs, and tralala baseball deh quite friction insurance card. Need to be rectified first ya, health insurance is not a good looking goal. Insurance is precisely to get protection. What kind of protection? Yes protection from things that can not be borne or feel heavy if borne alone. Unfortunately, health insurance products that not all can be used elderly alias elderly people. Average health insurance love age limit to a maximum of 50 years only. Lha, who aged above that should bear his own health risk dong?
No need to panic. There is still a insurance company that loves attention to 'this senior citizen class'. Before dropping the options, at least consider these three considerations first in order to get health insurance for the elderly as needed. 1.Customize to health conditions Each product must offer thousands of benefits to customers. In fact, not all the benefits that can be enjoyed and often unused. The wisest to know health risks first before making a choice. Read: TYPE OF HEALTH INSURANCE FOR EASY CLAIM
2. Guaranteed value follow the increase in health costs Health costs will increase over time. This is the importance of determining health insurance products whose value of protection in line with the increase in the cost of health. It is therefore important to estimate future inflationary increases in order to guarantee insurance coverage. 3. Recognize the entry age limit, pre-existing conditions and elimination periods. Note the age of entering health insurance because each product is different. Some start at 50, 60, and 70 years. In addition, read carefully the provisions of the pre-existing condition in which the claim will not be served if the policy has not been aged more than two years.
2. Guaranteed value follow the increase in health costs Health costs will increase over time. This is the importance of determining health insurance products whose value of protection in line with the increase in the cost of health. It is therefore important to estimate future inflationary increases in order to guarantee insurance coverage. 3. Recognize the entry age limit, pre-existing conditions and elimination periods. Note the age of entering health insurance because each product is different. Some start at 50, 60, and 70 years. In addition, read carefully the provisions of the pre-existing condition in which the claim will not be served if the policy has not been aged more than two years.
While the elimination period is required elimination of the disease based on a certain time. For example, if the 60-day elimination period then new customers can be guaranteed treatment costs if sick after 60 days. Let me be more concrete, mending look at the product directly. There are at least three pure health insurance products with a card system that the elderly are interested in: AXA Smart Health Executive AXA Maestro Elite Care Allianz Allisya Care Let's discuss the offer of these four products which roughly match the health risk profile and money as well. Entry age and coverage of AXA Smart Health Exam Let's look at the terms and conditions of health insurance, must include a maximum age limit of admission, which averages up to 50 years.
Pas date of birth on the ID card mentions the age of 50, yes sorry baseball can follow the insurance. Incidentally three insurance products are mentioned above the age limit above 50 years. But do not be excited. Check also to the age limit of what coverage. Product Name Insurance Max Max Age of Max Age Coverage AXA Maestro Elite Care 80 99 Allianz Allisya Care 60 70 AXA Smart Health Executive 60 70 As AXA Mandiri Prima Health and Allianz Allisya Care with maximum entry age of 60 years. Fun, AXA Maestro Elite Care still want to accept participants whose age to 80 years! Do not be excited. Viewed from this side, the longest AXA Maestro Elite Care is up to 99 years old. While the remaining insurance products stuck at the age of 70 years. Annual Limits and Limits of Care Items The elderly people need a large healthcare cost. In addition to susceptible to illness, usually the elderly disease complex really. Kidney hit, liver already hit, plus positive diabetes again. Anyway the kind of pain is.
The high health risks for these elderly should be covered in the appropriate insurance coverage. It is important to observe the amount of annual limit and limit per item of health care cost borne. For example the cost of consulting a specialist maximum Rp 20 million. Well, if for a year often to the doctor and the amount passes Rp 20 million then the rest is borne alone. Alliance Allisya Care whose annual limit is unlimited. Unfortunately, the items of doctors, surgery and laboratory tests have limits. Allianz Allisya Care While AXA Smart Health Executive there is a maintenance fee there is an annual limit of Rp 200 million and there is a limit per item of outpatient type. Thus the cost of doctors, laboratories, surgery, and so rationed alias baseball paid according to the bill because it must be in accordance with the clause.
Different AXA Maestro Elite Care with maximum limit up to a maximum of Rp 3.3 billion. Ease again, all care items are covered and fit the bill. What about the cost of hospitalization? Product Name Insurance Inpatient and AXA Maintenance Costs Maestro Elite Care Rp 3.3 billion Allianz Allisya Care Unlimited AXA Smart Health Executive Rp 200 million Inpatient coverage covered is AXA Maistro Elite Care long-term inpatient insurance product Allianz Care 180 days / year AXA Smart Health Executive 60 days / year Pre-existing disease After knowing the benefits of each product , do not make a decision immediately. Insurance for the elderly must first identify pre-existing diseases, ie all illnesses, injuries, and medical conditions, which makes people fall ill. In short, the entry of pre-existing disease is a disease that has or is suffered by the elderly. When choosing Alliance Allisya Care then this pre-existing disease is covered. In contrast to AXA Smart Health Executive that does not cover pre-existing disease.
While the AXA Maestro Elite Care system has a waiting period for two new years is decided whether pre-existing can be borne. It means to be healthy for two years since a new pre-existing policy applies. For example, a 65-year-old father had a heart attack two years ago. If you just take out AXA Maestro Elite Care insurance and AXA Smart Health Exclusive then during the pre-existing period can not claim heart disease treatment. The same difference Alliance Alliysa Care can claim. AXA Maestro Elite Care Is it complicated? Yes indeed quite drain the brain to learn the benefits of elderly insurance. The problem is knowing the needs of the elderly themselves or those who happen to have parents who have entered the elderly. Just underlined, the burden of premiums covered by health insurance for the elderly is higher than those under 50 years of age. Besides the amount of this premium depends on the selected plan. The more complete the plan then the greater the premium. [Read: Understand First Clause Health Insurance Let Claims Easy]