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In practice, double claims often make prospective clients misunderstand. It most often happens is a lot of potential borrowers who think it is an advantage to get reimbursement from the insurance company 2.
For example like this:
A customer was treated at a hospital and treatment costs Rp. 7 million. Due to join insurance programs A, then the customer claim the medical expenses in insurance company a. Plafond insurance clients on insurance company A is Rp 20 million. Plafond in, because then the customer gets a full treatment cost replacement i.e. Rp. 7 million.
The customer also an insurance program insurance company B that serves the facilities double claim. Because of misperceptions about the double claim, the customer is to attach receipts to the insurance legalisir company B to get double claims more Rp. 7 million. This can not be done because it was getting full reimbursement from company A and thus is not included in the double claim facilities.
The principle of double insurance claims
The principle of double insurance claims following this you need to understand well to avoid misunderstanding as the example above:
- The principle of insurance, insurance is not the place to explain that seeking a profit, but the means to compensate for the loss. Double claim it can be done, but will not provide reimbursement over your loss.
- Submission of a claim to two insurance is to pay the drawback, or the difference between the cost of treatment, rather than pay intact all costs.
If you just buy an extra insurance to a replacement of his money, it is not true because you do nothing more than spend money on something that actually you don't need.
Double Benefits Claim
Some of the benefits with double claims below you should understand well that you are comfortable in the following insurance programs:
You can do so by way of reimbursement. Usually, you will be asked to pay in advance the cost of treatment and care while you are in the hospital.
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