Infomediaku.net | Tips for Finding the Best Health Insurance for Parents
As we get older and get old, health slowly deteriorates. People who were known in their youth to be tough, now look weak in the face of changing conditions, such as changes in weather.
Another example is parents. When you were a child, your parents were strong enough to walk miles. Now it is you who are stronger walking, leaving your parents behind.
You will definitely experience this condition in the future. Therefore, from now on you need to realize the importance of self-protection such as health insurance.
However, what if your parents don’t have health insurance? You as a child will want to do whatever is best for them. And you also think about registering themselves to have insurance.
There are many cheapest health insurance products for parents that are offered, both through insurance agents from private health insurance and online media.
For those of you who are looking for insurance for the first time, you will definitely be confused by the variety of product choices. Want to get the best insurance for parents? The following tips can help you in choosing health insurance for parents.
These are 8 Tips for Getting the Best Insurance for Parents
Before making a choice, you should know very well which insurance really suits the circumstances and needs of your parents.
It is quite time-consuming looking for the best among the many choices of insurance products.
At least, by using the following tips as a guideline, you will easily find various types of health insurance for the elderly.
1. Find the One that Best Fits Your Parents’ Medical History
We all know that people entering old age are prone to disease. Not infrequently we hear the term “old people’s disease”. Well. This is where you have to know the medical history of your parents.
Better yet, if you take your parents to the hospital for a thorough medical check-up. From the information obtained, you can determine which health insurance is suitable.
2. Choose that Provides Protection Against Critical Illness
Sickness can come at any time, including illness caused by critical illness. In choosing health insurance, it would be better if you get one that provides coverage for critical illnesses.
This is very important considering the handling of critical illnesses, such as stroke, kidney failure, cancer, malignant tumors, or coronary heart disease, which costs a lot of money.
You need to know, not all insurance companies provide complete protection against critical illness. Therefore, you also have to ask whether the insurance will cover critical illness in the first stage or not.
Most insurance companies provide rules for critical illness claims if they have entered an advanced stage or above stage 3.
3. Choose Health Insurance that Considers Inflation
Like saving money, over time the value of money will be eroded by inflation. This should be considered when looking for health insurance.
You do not want to pay for insurance premiums slowly diminishing in value due to inflation.
Therefore, it is important for you to find out or ask the insurance provider about the effect of inflation on the amount of coverage provided.
4. Remember, There is An Age Limit for Having Insurance
Each insurance company has different rules for providing insurance services.
Generally, insurance companies set an age limit to have insurance between 50-70 years with different protection periods.
5. Consider Health Insurance Alternatives That Offer Cash Funds
Although this feature is rarely offered by insurance companies, you can find information on this. Cash funds are needed when maintenance costs later exceed a predetermined ceiling.
Of course, if there are cash funds from the insurance company for the excess ceiling, you don’t need to provide a shortage of medical expenses.
6. Consider Insurance That Covers Alternative Medicine Costs
Most insurance covers only medical treatment that is carried out in a hospital.
However, if you find an insurance product that offers alternative / non-medical medical financing, this insurance is worth your consideration.
7. Consider Health Insurance with Protection for Seniors
We do not know the age until the age of the people we know will continue to live. With this in mind, it is better to get the insurance that provides protection for a long period.
There are several insurance companies that offer this protection, even up to> 100 years of age.
8. Pay Attention to The Pre-existing Condition and Elimination Period
Pre-existing conditions and elimination period apply in health insurance. Pre-existing conditions are provisions in health insurance that require the sum insured to be given after the policy becomes effective.
For example, a health insurance participant falls ill or is treated for an accident. While the new insurance policy is effective a few days after the insurance participant receives treatment.
Referring to the provisions of the pre-existing conditions, insurance participants cannot make claims for the suffering they have experienced.
Meanwhile, the elimination period is defined as the time lag between the claims and the time of illness. For example, if health insurance has an elimination period of 30 days, the insurance participant can only claim after passing the elimination period from the date the policy was enforced.
Therefore, it is important to pay attention to these two provisions before making a claim.
1. Understand the Policy Correctly
The policy must be understood correctly. Because after you sign the policy, the insurance company assumes that you have understood and understood all the terms in the policy.
If you do not understand, it is better to ask the insurance provider. For the rest, you also have to be open about the condition of your parents before signing the insurance policy. This is important so that the insurance company can fully understand the risks that may occur
2. Observe and Understand Correctly
Hopefully, in the insurance search, you will immediately find the best insurance. However, if you are still looking for it, remember to look at and understand correctly the various insurance offered.
In addition, you may want to consider choosing health insurance from a variety of private insurance companies that have been covered.