Why Must Have Health Insurance, The longer the cost of living increasing even makin sometimes uncontrolled. As long as we are healthy, we are desperately looking for money to be collected. So sometimes we forget to rest enough, consequently we are susceptible to the disease and had to be hospitalized at the hospital.
This may not be a problem if we have enough funds for the cost of medical treatment, but if those funds are not sufficient because it may be used for venture capital, to child tuition or used for other unexpected things, then it can be a problem if have to undergo inpatient care in hospitals and had to get out a very large cost , we may be forced to deplete the remaining savings, mortgaged goods, or borrow money on others, so impaired financial situation of the family.
Article on insurance that is just a small bit of a scene, from a lot of things can happen. One of the easiest solution if you don't want the above events happening in our family is as early as possible we buy health insurance products from a trusted insurance companies.
By having health insurance products so the impact of the health risks that appeared redirected to insurance companies, the insurance companies will provide coverage of health care costs as agreed in the insurance policy.
Understanding Health Insurance
Health insurance is one type of insurance product that specifically guarantee the cost of health care or insurance the clients when they are experiencing health problems or had an accident. Broadly speaking there are two types of treatments offered by insurance companies, i.e., outpatient and inpatient care.
Outpatient
Outpatient insurance covers the costs of doctors, diagnosis/lab, and medications. The magnitude of the costs incurred are usually specified with the maximum limit for each component per visit/per year and a maximum frequency of visits in one year. Restrictions may also be imposed by a general practitioner referral requires that before a visit to a specialist, or the coverage is only granted when the health service carried out by a registered service provider. Outpatient insurance usually is only an added benefit from hospitalization insurance. In other words, should be the one with the hospitalization insurance.
Inpatient
Inpatient insurance covers the cost of inpatient care in hospitals, which include the cost of the room, the services of doctors, medicines, lab/diagnostic support, surgery, etc. Hospitalization insurance categorization is usually done based on class room.