Why Skipping Health Insurance Costs You So Much
Health insurance matters when hospital and treatment costs are high. Learn the major losses you face if you skip a health insurance program, and why to join now.
Health insurance is essential. With hospital and treatment costs as high as they are today, you need it to cover your hospital bills. You never know when you will fall ill, because everyone is at risk of sickness and disease. As you get older, your organs perform worse, and so does your immune system. In later years the immune system becomes unstable, which makes a person more likely to catch diseases. That is why you should buy insurance while you are still healthy. The healthier you are, the faster your insurance application is accepted. If you are already sick, the insurer will find it much harder to approve your application. Here are some of the losses you will face if you do not have health insurance:
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Medical Costs Are Not Covered
The first loss is that your treatment costs go uncovered. Say you are hospitalized and have to pay certain fees. Money paid to the hospital cannot be recovered unless you are enrolled in an insurance program. If you have health insurance, you can file a claim with the insurer, and the insurer will cover or reimburse your hospital costs according to the agreed terms.
What you need to understand are the requirements for filing a claim. Many policyholders complain that claims are difficult and drawn out, when the fault actually lies with the policyholder. They do not know the policies and rules the insurer applies to claims.
You Do Not Get the Best Possible Care
If you do not have health insurance, you will not receive the best possible care. The government does provide health coverage for people in Indonesia. However, that government coverage cannot pay for certain medicines, especially expensive ones, so you have to pay extra out of pocket to obtain them. If you cannot afford the medicines that are not covered, you cannot get the best possible treatment.
Private insurance is different: the cost of medicine, hospital rooms, doctors and more can be well covered. You also need to choose carefully among the types of insurance and pick the one that fits your needs.
You Miss Out on Social Solidarity
Another loss of going without health insurance is that you do not show a sense of solidarity and care for the health of others. When you are healthy and paying premiums, those premiums help pay for the medical care and treatment of other policyholders who are sick. In this way, you help ease the treatment costs of those who are ill.
You Have No Investment for Medical Costs
Another loss of not enrolling in an insurance program is that you have no investment set aside for medical expenses. If you fall sick and have to pay a large sum, you will be scrambling. It is different for people who already have insurance. They do not need to worry about paying hospital bills, because they are insured. They can file a claim with the insurer to release their health insurance funds.
If you are interested in getting insured, you can become a customer of Panin Dai-ichi Life insurance. Panin Dai-ichi Life offers health insurance products that suit your needs. There are two Panin products to choose from: Panin Premier Multilinked and Prime Crisis Cover. You can sign up through a Panin Dai-ichi Life insurance agent or register directly at the insurance office nearest your city. With Panin Dai-ichi Life health insurance, your medical costs will be better secured.
