What comes to your mind when you join any insurance, especially health insurance? You must be want everything best to support the healthy like screening, total medication service including the medicine and the fee for a stay. Everyone wants to get the best medication service including the doctor’s service. However, how to get all of it?
If you work in a big company and have the higher position, you can get it. If you are the veterans or working in government, you also can get the best service based on your level. How if you join the private health insurance? You can get anything you wish as what you have paid. Remember that everything has the term and condition so that you have to be careful and check every detail of it. Is there any another thing you need to know about this kind of insurance? It is the procedure to claim.
Claiming Health Insurance
If you have the government health insurance, you do not need to make any claim because when you use it, you will directly get the service and everything is free, except if you want to get the additional service excluded from the government coverage. When your insurance comes from your company, usually it is only can be done in special hospitals. If you do it in non-linked hospitals, you have to pay first and collect the invoice. However, you have to know about the compensation you will get. Usually, you will not get the full coverage of what you have paid, especially if you are in the other country. It also happens to the private health insurance. You only can use it in related hospitals, and when you cannot use it, you can claim with the same way. Is there any another thing you have to concern in this business? You have to remember that to claim it by reimbursing system, you need to wait for several times. You will get the money back after some days. It is on a working day, so please be patient and count the days carefully. Will you get the full claim? It depends on your health insurance company wise. Usually, if you are not asking for upgrade the facilities, you will get the full claim. However, it will be a different story on surgery case. Surgery and burn case have its own calculation. For burning, there will be a percentage of the burn on the body. The more severe it is, the more claim it could. You can read it on your police because health insurance usually has the specific detail about the disease coverage and the medicine category. If you get any infusion, only some of it will be covered. It will be simpler if you have Medicare or the insurance from the government.
How to make sure that the insurance works well? You should follow the procedure of it like only choose the recommended hospitals and doctors based on the policy. Therefore, can you get investment from health insurance? In this is a modern era where everyone could have many choices for their future. They can have more than they imagine for their leisure although they already not work neither have any business. They also do not need to worry to get sick and hospitalized because they already have the coverage. If you want to take the benefits from private health insurance, make sure you take it in its limit time. The private health insurance usually will ask you to pay the premium for term life like 5 or 10 years. You will get the protection for the whole of your life unless if you take the whole of your investment. What you have paid for the term of your life can get the interest each year. It means, whether you stop to pay it, the investment amount will always up by the time. You can take it based on your need, but it is good to not take the whole amount after your period time.
Now, how to claim for children? If you become the parent as someone to pay the premium for your children, you and your children will get the protection although your children will get complete services and facilities. It is because of you register your children as the insured. You are someone who should keep healthy to support your children premium payment. Therefore, you should get the protection too. The procedure of claim is also the same as for an adult. You also do not need to collect the invoice and wait for your money to back if you directly go to the hospital that worked with your insurance company. Is there any limit of hospitalized? Each insurance company has its own rule and term condition. It is better for you to ask your agent and read your policy carefully.