Perednik Healthy Life Info

Jakarta – Until now the patient’s health service users of health insurance is often disappointing. The reason there is no oversight of hospital services in institutions everywhere. So do not be surprised if the patients users of health insurance often are not satisfied and there are still real differences in service.

Problems of verification and reference is one rule that needs to be addressed. Often, the verification data is not accurate. Does not match the reality. One hand there are people who genuinely can not afford or poor. However, verification is made not to the category ‘certificate can not afford’ (SKTM), and there are families that can be obtained SKTM. In fact, the waiver letter.

One side of the referral letter should be directed to the nearest hospital or residence of a patient location to prevent queue-a queue at a particular hospital. Similarly, faster handling.

Another indication of some hospitals also do not want to bother with patients on health insurance. By ketidakmaupusingan dealing with patients ‘health care insurance of poor families’ (JPK gakin) so no patients are rarely referred to the hospital should certain. In ahkirnya patients treated immediately had to wait their turn queue.

Health Department plan to make the rules should be verified to the Village of headlong more mature. Or should diurungkan because there will be no different than a verification of the health center. The indication is a form of government inadvertence.

All sorts of programs should any policy should be coupled with oversight from an outside party. So that all goes according to rules. What more public health insurance plan that is planned to be realized seems to be in vain.

It is necessary to know the current government believes our society has not fully on government performance. Both of the elements pemerinhan apparatus and medical apparatus.

Until now even though the government has been doing good with the budgeted cost of health care but people have not yet felt terayomi. This is a result of unscrupulous actions, the less responsible elements. In the end the government agency that get ‘black list’.

And, from the answers that are all one. Department of Social or Health Department must be partnered with one institution can be trusted to supervise the service from the level of verification letters making up supervision services at the hospital.

Jakarta, Cases of dengue fever, routinely attacking some tropical areas, including Indonesia. Sometimes the problem is handled as late DHF patients ‘fear’ to the hospital concerned, expensive.

Seeing this condition, a new product launched by Dengue Insurance ACA Insurance to help communities prepare for dengue fever.

Dengue fever, caused by dengue virus is spread to humans through mosquito bites of Aedes aegypti, has a lot of casualties. Victims throughout the year both from the bottom to the top.

Every beginning of the rainy season, government and private sectors have started to warn the public to take precautionary action to eradicate mosquito breeding, including the fumigation (fogging) and provision of abate powder. Still, the hospital filled with patients suffering from Dengue Fever.

Insurance Dengue Fever (ADB) is a breakthrough for the insurance industry in Indonesia, especially micro-insurance, insurance for participants to feel comfortable in conducting insurance transactions.

Insurance Dengue Fever (ADB) is the hemorrhagic fever health insurance for the insured aged between 6 months to 65 years. Simply pay a premium of USD 50 000 per year, if exposed to dengue, the company will provide a fund of Rp 2 million.

ADB is expected to ease the cost burden of patients who underwent treatment of dengue fever in the hospital.

This insurance guarantees given definite and simple, ie, if diagnosed dengue fever, the participants are entitled to compensation insurance.

At a press conference in Jakarta, Wednesday (12/05/2010), the management of ACA explains, the process of activation and insurance cover is also very simple, performed by the participants own insurance through short messages (SMS), in a way to activate a PIN that is printed on the card participants insurance.

When the insurance participants diagnosed dengue fever by doctors, who first needs to be done is to report the claim via SMS with a special format based on which is printed on the Card Participants Insurance, and claims officers will contact the participants to guide the insurance claim process.

In filing a claim takes three documents, namely:

1. Medical letter stating the insurance of participants diagnosed with dengue fever
2. Results of laboratory examination
3. Proof of identity such as ID cards or Family Card

Each participant is allowed to buy more insurance than one ADB up to a maximum compensation of 10 million rupiah.
ADB’s products are marketed in all branches or through agents ACA ACA registered and chain stores across Indonesia Indomaret.

ADB’s product is expected to provide practical solutions in the field of public health, so that the lofty ideals of the founders of insurance for insurers and insured popularize the community can come true.

Health insurance can be obtained in various ways. You may automatically get it as a child, a wife or because an employee at a company. You may also be insured by professional associations or societies. In other words, you get it without buying it sendiri.Karena, there is a possibility you overinsured or too many insured. For example, as an employee you get insurance from your place of work. However, as your wife also received a guarantee from the company where her husband worked. And they cover the health risks that may be the same.

If you are sick, can you use both?

Able. You can claim your medical expenses to the two insurance companies at once. However, in accordance with the principle of insurance in which customers receive only the maximum claim reimbursement for costs incurred, the two insurance firms will be to coordinate so that no double payment occurs. Mechanism in which the insurance companies to coordinate the claim is called COB (coordination of benefits).

In COB scheme, you simply make a claim to an insurance company, such as those from your office. The insurance company will calculate the cost according to your policy covers. If there are costs that are not on the cover because it exceeded the insurance limit or includes the policy exclusions, you can ask the insurance company to coordinate with the insurance company of her husband’s office. The first insurance company will send the original claim file to the second insurance company, accompanied by details of the number of claims that have been approved to be paid. The second insurance company will analyze the claims and pay the deficiency, according to the provisions of the policy benefits.

To facilitate the process of your claim, you should first notify the insurance company when filing a claim that you are also covered as a participant in the other insurance. Thus, since the beginning they have communicated with other parties such insurance if the amount of your claim exceeds the limit of your policy benefits.

Current health insurance is not a familiar object. Almost all banking institutions have health insurance package.

However, there are false assumptions in some communities about health insurance. That is the premium you pay is considered as money lost. Fortunately, not all think so. Some communities have started literacy Indonesia the importance of health insurance. In general, health insurance will cover the risks that we experience in terms of health.

Vigilant in choosing. Typically, for employees, private companies which usually include staff working in health insurance. In addition jamsostek programs (social security workers), employees often also included in the selected health insurance company’s discretion. For those who are civil servants (civil servants), are automatically enrolled in health insurance coverage of government digawangi PT.Askes. Read the rest of this entry »

Dizziness choosing the right health insurance for children? You have to really understand the needs banar. Here tips for you.
Understand the meaning of infant health insurance, the insurance that provides health needs supporting facilities, such as vaccinations, outpatient, and inpatient.
Check the facilities of the office, whether the benefits of ksehatan you work it also includes health insurance facilities for toddlers.
Create a separate health insurance, if the child Untk insurance facility from the office is not complete. Read the rest of this entry »