Based on the publication of the American Journal of Public Health, the lack of insurance coverage for one, closely related to increased risk of disease and death.
In Indonesia itself, the data released by the Directorate General (Ditjen) Community Health Efforts: the number of patients out alive (recovered after hospitalization) in the hospital in 2010 amounted to 2.357.345 patients or of 6,971 patients per day. This number increases each year.
On the other hand, according to the Scheme, a total of 103.074 accidents or 282 cases per day or 12 cases per hour has been going along. This shows how each person has a high risk at the time of their productive activity live.
So, having health insurance is important for several reasons. One of them is, individuals who are not insured for medical care gets less and less timely treatment when they experienced the illness/accident, so they have the results of bad health and this resulted in the financial burden for them and their families.
Related it is BNI Life has several products that can become your consideration in choosing insurance products. These products are:
Optima Medica
Individual insurance products that provide daily when insured received treatment in hospital. This product provides benefits towards the cost of care in the Hospital (for the usual care and ICU/ICCU) and the cost of the surgery. Claims can be filed if the insured has become a participant of the insurance at least 1 (one) month.
Product Benefits
This insurance provides benefits towards the cost of care at the hospital and surgical expenses for 365 days in a year. Other advantages, this product provides benefits in the form of a refund of premiums at the end of the period of insurance in the amount of 50% of the total premiums already paid in the event of a claim or refund of premiums at the end of the period of insurance in the amount of 75% of the total premiums already paid if the claim never happened. This insurance product has a period of insurance for 5 years and premiums can be paid on an annual basis without any increase in premiums each year. This product can be owned by individuals ranging in age from 5 to 55 years.
Spectra Health Care
You've probably felt sick and felt discomfort while hospitalized given a costly hospital stay and continue to rise. The latest product from BNI Life provides the best treatment and health services for every family, including you and your beloved family. Spectra Health Care designed for you who want a special health benefits for you and your family, because it gives the replacement cost of care when you and family members who are sick either.
Product Benefits
This product provides a complete treatment options such as inpatient, outpatient and maternity benefit delivery. Not only that, the system of payment of claims that are flexible, can use the system card (cashless) for hospital/clinic or reimbursements to hospitals that are not partners BNI Life. Spectra Health Care also provides extensive protection class options that you can customize to your needs.
For the ladies, you too can feel the benefits of compensation for childbirth by following this program. When needed you can also feel the benefits of One Day Surgery and ICU Semi Room in hospitalization. In addition to the inpatient, outpatient facilities where you can choose your favorite subscription or doctor.
Great benefits but it turns out that the premiums are lightweight and there are discounts for a family membership. The total premium discount of 5% If the Insured include additional (spouse and or children).
Optima, and Spectra Medica Health Care planning can be an alternative health financing for you. For those of you who need a comprehensive inpatient service, Optima Medica is the right choice. And for those who need more than just a hospitalization, Spectra Health Care will provide extra services such as outpatient, benefit delivery, one day surgery and ICU spring room. Make sure your health care and treatment you and your family have been protected with the best products.