| The Types of Health Insurance |
Healthy insurance is the
specific insurance which is addressed to the risks to the healthy. This
insurance will cover all the cost when you’ve got illness or the accident
happened. but the benefit of the insurance is not free. If there is assistance
for the government or the company, the personal must pay the premium paid. The
premium paid depends on the age of the customer, the program taken, and the
insurance company. The health insurance can be obtained in many different types
of many insurances companies such as the social insurance company, the general
insurance company, or life insurance company. There are many types of this kind
of healthcare insurance. But basically, this insurance is very important for
your life. It is important to know that the insurance is divided into several
types. The types can be divided based on the fund managing, the participant of
the members, and fund that covered, and the number of the participant and it
also depends on the fund from the company switching.
Fund managing
Ø Insurance
by the government
The health insurance which is given by the government
is usually controlling by the government too. The business insurance funds can
be managed by the government in which the profits for the health care costs
monitoring easily. But sometimes, the insurance from the government, the
quality for the service is not good sometimes, so there are many customer
disappointed.
Ø Personal
insurance
The personal
insurance is an insurance that comes from the private insurance company. The
fund is in premium paid and it must be paid by the customer with certain amount
monthly or annually. The quality for the service is relatively good. Many
hospitals also join with certain company. But however, the drawback is
sometimes difficult to keep the cost.
The participant of the members
Ø Mandatory
In this case, the
member of the insurance are required to purchase the health insurance policy.
the premium paid will be paid by taking the monthly salary of the employee.
Ø Voluntary
The person is free to
choose to buy the insurance or not. It depends on the personal opinion
How to pay
Ø Cashless
The insurance can be
paid cash. The cashless is the submission of the compensation of the cost. The customer
just needs to show the card of the insurance in the hospital to cover the hospital
fees.
Ø Reimbursement
Reimbursement is one
of the ways to pat the hospital or health care using insurance. The customer
must pay first for the fee. After that, complete the documents, such as bill
and the invoice to be submitted to the health insurance
company.
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