8 Tips for Buying health insurance for you and your family, so that Affordable, Premium Protection Amaze!

See Also :

How to tips on buying health insurance for you and your family?

If talking about insurance, health insurance is still one of the most frequent insurance became the choice of the people.

But health insurance exists in society usually have a relatively premium price is more expensive than life insurance and other insurance benefits.

So how do I buy health insurance so that your budget efficiently and get optimal protection?

If you're looking to buy health insurance, let us refer to the 8 tips on buying health insurance here.

Understand and Buy health insurance

Health insurance is indeed is one of the insurance that is favoured by many people. People rarely consider buying life insurance without considering to buy health insurance.

In general, the risk of illness and costs the relatively expensive hospitals are factors why the public often buys health insurance.

But many people who buy health insurance because of the incredible offer from insurance agents, not because the people understand and know their needs would have health insurance.

Before we discuss further tips for buying health insurance, surely you've had the consideration before deciding to buy health insurance.

Questions such as how often you go to the hospital, do you have a history of offspring, whether you can manage your own health insurance funds.

Whether needs life insurance and critical illness you've met are things that you should consider before deciding to buy health insurance.

I will not discuss it further in this article. I'm sure you have considered all the questions so you decide to buy health insurance.

8 Tips for Buying health insurance for you and your family

The following are tips on buying health insurance, good for you or your family when you want to buy health insurance.

#1 Buy within your budget

Of course, this is the most important thing, that you have to buy health insurance in accordance with your budget. When you read this, you might think that everyone would already know about this.

But I would like to invite you to understand this more.

The meaning of these tips is that you actually do your insurance funds for the budget, rather than think about it after you have offered a premium price from an authorized seller of insurance.

Means that you determine a price premium How Your health insurance, after of course spends other things such as saving, investing and more.

This is important so you don't spend all your funds just because health insurance quote from the dealer and acquaintance you are very seductive. Specify and buy health insurance in accordance with the budget.

#2 Determine your comfort

This is another thing that you must specify in advance. What kind of treatment you want to get? Everyone wants to get more comfortable but not necessarily everyone can afford to pay the price.

Specify the lowest limits that can be tolerated by you about comfort.

Classroom what is comfortable for you? How important is it to be treated in a VVIP, VIP room or?

If you are not an issue to be treated in the classroom 2, take the appropriate health insurance so that you do not pay premiums more than he should have been so that your money can be allocated to other financial goals.

#3 take advantage of the Insurance Office

If you have an insurance office, you must use it well. You should know so that when you buy health insurance, you can buy health insurance with a complimentary insurance office.

So You allocate funds to pay for their own personal health insurance premiums You efficient and you can still obtain the optimal protection.

#4 Select the type of Insurance that suits your Needs

There are two kinds of insurance that you can choose when you want to buy health insurance, among other traditional health insurance Futures Exchange (term) or health insurance unit link.

Futures health insurance will protect you for a certain period, the excess is premium price much cheaper than the insurance unit link.

Unit link health insurance is an additional benefit of the basic life insurance benefit unit link, therefore the price premium is certainly more expensive than life insurance futures.

You must choose the type of health insurance that fits your needs.

#5 Select health insurance Who can complement

Health insurance based on how his claim is further divided into two types of health insurance, i.e. cashless health insurance and health insurance reimbursements.

Health insurance cashless means when you sign in to the hospital, you do not need to pay in advance, the insurance will be paid directly. You only need to pay the benefits.

But the system requires original receipts cashless, so you can't claim to other insurance again.

In contrast to health insurance reimbursements. Reimbursement systems mean you have to pay in advance, you can make a claim to the insurance company.

Reimbursement system can usually use photocopying receipts which legalised by the hospital, so you can still claim it even though the original receipts for claims already taken to other insurance companies.

If you already have a cashless health insurance is quite good and complete in your protection, then you can consider health insurance reimbursements to be complementary with other health insurance.

#6 health insurance Unit link Insurance Benefits must be separated from Other

If you want to buy health insurance unit link, it would be much better if you purchased it separately from other additional benefits.

Why? Because you do not have more than one health insurance cashless system in one of the same insurance company (must not have more than one health insurance card).

When you want to get the benefits of better health insurance, then you should upgrade Your health insurance benefits.

If you include all the additional benefits of a unit link in one insurance policy, then it would be very unfortunate because of all the extra benefits in the policy unit link You all customized birthday based on your age at the time of want to upgrade these benefits.

#7 has some Health insurance policies is NOT a Mistake

This is one of those tips that you need to pay attention to. Many people still consider that we only need to choose a single insurance policy. When in fact a lot of people who have more than one insurance policy.

You can't buy one polis which directly meets the entire needs of the insurance you and your family, because the insurance policy will be relatively expensive price, and also your insurance will continue to grow as increasing income and your needs, so you should upgrade your insurance.

Similarly with health insurance. You can have multiple health insurance policies during the complementary health insurance so that any risk of sickness, all Your health insurance can be utilized.

#8 Compare health insurance from several companies
This is the mandatory thing you do, don't be too quick to decide to buy a product.

Take a few days or weeks to compare health insurance product from a company with each other.

Search health insurance that really you want, within your budget and meet your needs.

Buy Health Insurance With Careful Planning

With the tips on buying health insurance, You should be able to buy health insurance in accordance with the planning of your insurance that you already consider carefully.

When you buy them with consideration and understanding, as well as do tips on buying health insurance, then you can buy health insurance with the use of your funds efficiently for optimum benefits.

Congratulations on Your health insurance plan!