understanding health insurance

Of the many existing insurance services , health insurance is one of the insurance products that are also in high demand as insurance for the family and child education insurance or pension funds .

Each insurance provider definitely say that the health insurance product is the best and number 1 in Indonesia or even world . live how we respond intelligently and carefully which one will we choose to be useful later 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 based on the concept of risk . In the health insurance system , the risk of illness is jointly covered by the participants to pay premiums that run insurer ( the principle of mutual assistance ) .

PRINCIPLE ? INSURANCE HEALTH

Health insurance is a health financing system that runs based on the concept of risk .
Transferring risk from one individual to a group .
Dividing the amount of loss along with a fair proportion by all members of the group through the insurer .
ELEMENTS OF HEALTH INSURANCE
1 . Insured ( Patient ) .
2 . Insurers ( Insurance Company )
3 . Health Care Giver ( KDP ) .

TYPES ? INSURANCE HEALTH

Social Health Insurance ( Social Health Insurance )
Commercial Health Insurance ( Private Voluntary Health Insurance )
PRINCIPLES OF SOCIAL HEALTH INSURANCE

Participation is compulsory .
Premiums / fees based on percentage of income / salary .
Premiums / contributions are shared by work / corporate and labor .
Participants / workers and their families obtain health insurance .
Participants / workers to obtain compensation for pain .
The role of big government .
PRINCIPLES ? HEALTH INSURANCE COMMERCIAL

Participation is voluntary .
Premiums / contributions based on absolute numbers , in accordance with the agreement / contract .
Participants / workers and their families obtain compensation for health care costs under 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 like Prudential , eg BNI or other health insurance services .