If You Have Two Health Insurance
Health Insurance March 1st, 2010
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.
Family: selecting health insurance
Health Insurance August 25th, 2009
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 »
Choose appropriate health insurance for infants
Health Insurance July 1st, 2009
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 »
