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Each insurance provider must be said that health insurance products are the best and number 1 in Indonesia or even the world. just how we respond intelligently and carefully choose where we will eventually be useful for many families in general and for our children.
Before choosing which insurance is right for us would be helpful to know what the heck it is health insurance. Health insurance is a health financing system that runs on the concept of risk. In the health insurance system, the risk of illness is jointly covered by the participants to pay a premium to run insurer (the principle of mutual help).
PRINCIPLE HEALTH INSURANCE
- Health insurance is a health financing system that runs on the concept of risk.
- Transferring risk from one individual to a group.
- Shared the losses with a fair proportion of the entire group through the insurer.
ELEMENTS OF HEALTH INSURANCE
- The insured (patient).
- Insurer (Insurance Company)
- Healthcare providers .
TYPES HEALTH INSURANCE
- Social Health Insurance (Social Health Insurance)
- Commercial Health Insurance (Private Voluntary Health Insurance)
PRINCIPLES OF SOCIAL HEALTH INSURANCE
- Participation is mandatory.
- Premium / fee based on percentage of income / salary.
- Premium / contribution was raised by the work place / enterprise and labor.
- Participants / workers and their families obtain health care benefits.
- Participants / workers compensation during illness.
- The role of big government.
PRINCIPLES COMMERCIAL HEALTH INSURANCE
- Participation is voluntary.
- Premium / fee based on absolute numbers, according to the agreement / contract.
- Participants / workers and their families obtain compensation for the cost of health services as per the agreement / contract (not comprehensive).
- Government's role is relatively small.
- Once we know what it is about health insurance in the form of insurance, then we can decide which one will we choose what insurers such as Prudential, for example Jiwasraya or other health insurance services.
Quoted from the article: Dr. Arief Suryono, SH, M.H