The 6 Best Types and Definitions of Health Insurance in Indonesia

The COVID-19 pandemic has not shown any signs of abating in Indonesia. Day by day, the number of people with COVID-19 is increasing. In the midst of such a situation, it's a good idea to consider having health insurance. With health insurance, you can transfer and reduce the risk that you and your family receive when you are sick.

Health Insurance: Definition and Benefits

In general, health insurance is a type of insurance that covers or covers various medical expenses, necessities, as well as medical and other health care actions. The insurance company will reimburse the costs incurred by the insured every time the insured is sick or gets treatment as stated in the insurance policy. The best health insurance will provide broad benefits without being complicated for you as a customer.

Just like other types of insurance, you can pay a premium every month, every six months, or annually. It is also possible that there are other premium payment terms, such as every three or four months. You should choose the one that best suits your financial condition.

No matter what your age and occupation, everyone should have health insurance. Even family members who are not of productive age should have health insurance. Indeed, the backbone of the family should be prioritized to have health insurance considering that when you are sick, work can be hampered and income is affected.

Unfortunately, not a few people think that health insurance is an expensive investment. In fact, not infrequently those who think they will not use it because they feel always healthy. So, they thought, why have health insurance?

In fact, illness comes unexpectedly. Anyone can get sick at any time. The benefits of health insurance are actually far greater than the premiums you pay. Some of the health insurance benefits include:

Relieve high medical costs

Maintaining the stability of the family's financial condition

Easy access to care

Types of Health Insurance

There are many different types of health insurance out there for you to choose from. The different types of health insurance are usually distinguished based on the ownership of the agency that administers it, the type of treatment covered , or who is covered by the health insurance. The health insurance benefits you receive when you are sick can be maximized if you understand well the types of health insurance. For that, it helps you understand the following types of health insurance.

1. Hospitalization Insurance

Hospitalization insurance has the main benefit of paying for the insured's treatment during hospitalization when sick. If you have inpatient insurance, usually all costs incurred during hospitalization will be borne by the insurance company. Not a few people who take this type of insurance because it requires hospitalization that provides maximum care and doctor's supervision, complete with 24-hour medical team supervision.

Hospitalization insurance also provides maximum benefits if it involves surgical operations. Usually, the surgery takes a long time and the hospital includes the bill in the hospitalization bill. If you have this type of insurance, you don't have to worry about costs and can focus on your healing process.

2. Outpatient Insurance

Outpatient insurance is insurance that covers the cost of the insured's treatment when undergoing outpatient treatment for the illness he suffers. Several types of treatment costs that are usually covered by outpatient insurance are lab checks, medical diagnoses, and various actions that do not require the insured to stay overnight or stay in hospital. Outpatient care for pain that is non-emergency and requires long-term care. Outpatient is liked by many people because it is considered practical and does not have to bother having to be hospitalized.

If you consider it well, then outpatient insurance is a mandatory insurance to have. This is because in general, most people will need treatment with an outpatient system more often than the need for hospitalization. Diseases that are common and not too severe usually only require outpatient treatment and do not need to be hospitalized.

3. Personal Insurance

The next type of insurance is personal insurance. Personal insurance is seen from who is covered by the insurance, namely individuals individually. The health insurance protection and benefits provided only reach one person who has the insurance. In a personal insurance policy, the insured cannot use the insurance for other people.

4. Group Insurance

Different from personal insurance which only covers individuals, the health protection provided by group insurance covers all members of a group. For example, family health insurance that covers one family or company health insurance that covers one company. So, every family member or company member gets the same protection from the group insurance they have.

5. Private Insurance 

Based on the body that organizes insurance, there are types of private insurance. This type of insurance is health insurance managed by a company or private entity. This type of insurance is usually paid by the customer in full. The premiums paid also vary according to the benefits to be received by the insured.

This private insurance is usually considered expensive by most people. However, you need to understand that whether or not the premium is expensive depends on what is covered in the insurance policy you choose.

6. Government Insurance

The last type of insurance is government health insurance. This government insurance is better known as BPJS Kesehatan (Health Social Security Administering Agency). This government-run health insurance is oriented towards providing health insurance to the community as a whole. Even in its implementation, this government insurance uses the principle of mutual cooperation so that it can help people from middle to lower economic conditions.

The premium paid can also be subsidized by the government, but only for those who are entitled to it. Because it carries the principle of gotong royong and is intended to cover all Indonesian people, government insurance has various limitations when compared to private insurance.

The 6 Best Types and Definitions of Health Insurance in Indonesia

Understanding the importance of health insurance, what benefits you can receive, and what types of health insurance are available will allow you to choose the best health insurance for you and your family. One of the best family health insurance options is Mega Hospital Investa from PFI Mega Life.

Mega Hospital Investa provides maximum benefits for you as an individual, as well as for your entire family. Through this product, you will get inpatient compensation with a nominal value of up to IDR 1 million per day. Thus, even if you cannot make a living while being hospitalized, the insurance will cover it to maintain the stability of your financial condition. In addition, you can get compensation for death due to illness and accidents. But more interestingly, if you do not file a claim during the insurance period, you will get a premium refund at the end of the period.

So, isn't it interesting that Mega Hospital Investa provides benefits? Come on, hurry up and join and get the benefits right away!