Allianz Health Insurance

 

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What should you pay special attention to before and during insurance? Here you will find the answer.

In a report from the website Bisnis, the head of BKPM (Coordinating Council for Investments) Bakhlil Lahadalia indicated that the current conditions in the world are not very good, so economic growth is slowing down and there is even a threat of a global recession next year.

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If you have to deal with this situation, you need to prepare various efforts to anticipate the life risks that may arise in the future.

One of the right solutions in this situation is to have a self-defense tool, such as insurance. But, unfortunately, there are still many ordinary people who make mistakes when it comes to insurance.

To answer this mistake, Indonesia continues to make efforts and spread information about the importance of insurance to the public. One is through a media workshop on Life and Health Insurance 101: Dos and Don'ts Before and After Insurance.

Life Indonesia Chief Product Officer Himawan Purnama revealed that there are still misunderstandings in the community about insurance. Some of these misconceptions include:

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A common mistake is to assume that insurance is a savings or an investment. Essentially, insurance is a protection to minimize the risk of losses that may have fatal financial consequences that may occur in the future. This protection consists of premiums to be paid by each policyholder in accordance with the provisions of the premium payment agreement.

Health insurance is different from life insurance, so before deciding to buy an insurance product, people should really understand its features and types.

Even more so if you already have workplace insurance. Therefore, you should have a good understanding of the benefits or coverage of the policy you have. So, if you buy other insurance products privately, make sure you don't have two identical policies. This is done in order to optimize the costs incurred by you and of course the political benefit.

One of the misunderstandings that also occurs in the community is that they simply agree to get insurance without knowing what benefits they will receive.

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There are still many people who think that "the main thing is to have insurance". In fact, every type of insurance you buy should be tailored to your own needs. Equally important, once you know the benefits of your policy, make sure you continue to evaluate the policy regularly. Because essentially, human needs will continue to evolve and each person has different priorities and needs.

In general, if you are young and have your own income, you want to save to prepare for the future. Starting with the preparation of wedding funds, funds for the purchase of a new car and ending with the installment payment of the house.

But sometimes there are big costs that are the most important and often overlooked, namely health care costs. This cost often depletes savings, so insurance can be a solution to prevent this. In addition, there are many benefits of insurance when you are still young.

When you decide to settle down, your needs become more diverse. In addition to health care costs, you also need to prepare for future real estate and housing costs.

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On the other hand, if there is only one working man in the family, you can opt for life insurance to provide for your wife in the absence of your husband.

Having children is the dream of all parents. It cannot be denied that the arrival of a baby as a new member of the family means that the preparation costs also increase. One of them is the cost of educating children.

The last stage in life is entering old age. When you enter this stage of life, the body is not as healthy as before and health risks increase. Therefore, retirement funds are also important for you to prepare.

For this reason, you need to tailor the insurance product you want to purchase to your needs based on the stage of life you live in.

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Of the four stages of life listed above, there are risks that can happen anytime, anywhere. These risks include death at a young age, critical illness, and longevity.

In addition to this, there are also a few things that you should know before and when you get insurance, namely:

Indonesia offers a variety of insurance policies to suit your needs. Starting from general insurance, health insurance, life insurance to Shariah insurance.

Whatever you choose, make sure you know exactly what you need and carefully understand the terms of each policy you buy.

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Began its activities in Indonesia, opening a representative office in 1981. Indonesia is now present in general insurance, life insurance, health, pension and Shariah insurance, supported by more than 1,400 employees and more than 20,000 sales staff and supported by a network of partner banks and other distribution partners to serve more than 7 million insured people in Indonesia .

Medical inflation grew almost four times more than economic inflation. The growing demand for inpatient treatment, the shortage of medical workers and the development of medical technology are among the reasons for the growth of medical inflation. So how do you manage these health care costs. The website uses cookies to make the website more convenient, secure and efficient for you. Your browser's cookie settings are usually set to "Allow all cookies". If you continue to browse this site, you agree to this. Please visit our privacy policy if you would like to know more about our privacy policy and cookies

The COVID-19 pandemic makes everyone feel insecure about their health because it can attack anyone with a variety of symptoms. Therefore, proper financial planning and protection is necessary to minimize the losses that may occur.

Jakarta, 6 January 2021 - The COVID-19 pandemic makes everyone feel insecure about their health because it can attack anyone with different symptoms. The risk is even more worrying as the total number of positive cases of COVID-19 in Indonesia has reached 779,548 cases and 23,109 patients have died, according to data from the Task Force on the Control of COVID-19 as of January 5, 2021.

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But the high risk of diseases that can lead to death is not the only concern for many people in the midst of this pandemic. Huge medical expenses such as intensive care, hospital rooms, drugs and other medical procedures that require very high treatment costs are a burden on the mind.

Based on research in nine Indonesian provinces, University of Indonesia Public Health Professor Hasbula Thabrani described that the average cost of treating a patient with COVID-19 can reach 184 million Indonesian rupiah with an average treatment time of 16 days. and the highest can reach IDR 446 million. . Of course, the price range also depends on the patient's condition, severity and treatment required.

However, the care of patients with COVID-19 is covered by the government according to established procedures. But the danger and uncertainty of the situation during this pandemic, combined with its impact on the economy, requires everyone to be more prepared to protect themselves and their families, one of which is having insurance protection. Mitra Plan Education (MRE) financial planner Mike Rini once said that insurance is one of the things you should have during a pandemic, given the uncertain economy.

However, many believe that they are completely safe from contracting the Corona virus as long as they are not around sick people or feel that they are far from getting sick because they are still young. However, no one wants to get sick. However, the disease can come at any time and often unexpectedly. Having insurance will greatly reduce medical expenses, especially in difficult times like these.

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Soon, the news of the transmission of COVID-19 also affected runner and co-founder of IndoRunners Runners Community, Yash Chatab, who after suffering from fever for a week straight, finally tested positive in September last year. At first he tried to isolate himself at home. But the next day his condition worsened and his oxygen saturation began to drop. Therefore, he was immediately taken to the hospital, and when he got there, they immediately helped him breathe with the help of an oxygen tube.

"It all happened fast. Even at the time, I didn't have time to really process it like I could, did I?" mask and maintaining hygiene, have no concomitant diseases, do not deal with crowds and gatherings, and I also travel by private car on a daily basis," he said.

It reminds us that COVID-19 does not discriminate. Even runners and young athletes who are in good physical shape and always follow sanitary protocols are not immune to the risks.

“Before being treated, I had to go through a series of tests and medical treatment, such as X-rays, emergency room treatment, medication and vitamins and so on. "So the costs were there from the start," he added. “Then I was hospitalized for 17 days, and the total cost, including room, treatment, medicine and so on, reached 232 million Indonesian rupiah. What a shocking number!”

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“I am very fortunate to have an insurance agent who is flexible and patient in helping me, from filling out administrative paperwork, explaining the benefits of the insurance coverage I have, to handling claims. As a result, all of my medical expenses were ultimately paid for in full by my health insurance. This really proves how great the benefits of insurance protection are during a pandemic. It's normal to be afraid of the virus, but you know, the cost of treatment is also very scary. "Now I'm focusing on my physical condition without worrying about my financial situation, because all expenses are covered," Yasha explained.

Imagine having to bear such a large expense yourself in the current economic climate. Financial problems can really lead to further deterioration of a person's health.

Yasha Chattab, runner and co-founder of IndoRunners,

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