As we get older and grow older, health slowly declines. People who are known in their youth tough, now appear to be weak in the face of changing conditions such as climate change. Another example is parents. When you were a kid, your parents were strong enough to walk miles away. Now it is you who are stronger walking, leaving your parents behind.
These conditions will surely you will experience in the future. Therefore, from now on you need to realize the importance of self-protection such as health insurance.However, what if parents do not have health insurance yet? You as a child will want to do whatever is best for them. And you even thought of enrolling them to have senior life insurance.
There are many cheapest health insurance products for parents offered, either through insurance agents from private health insurance or online media. For those of you who are just looking for insurance for the first time, will be confused with 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.
Here are Tips to Get the Best Insurance
Before you make a choice, you should be well aware of which insurance is really appropriate to the circumstances and needs of parents. It’s time-consuming enough to find the best among the many insurance product choices. At least, by making the following tips as a guide, you will find a variety of health insurance for parents with ease.
1. Find the Most According to the Parents Health History
We all know that people entering old age tend to be prone to illness. Often heard by us the term “parent illness”. Well. This is where you should already know the health history of parents. Better yet, if you take the parents to the hospital for a thorough medical check-up. From the information obtained, you can determine which health insurance would be appropriate.
2. Choose Which Provides Protection against Critical Illness
Pain can come at any time, including illness caused by critical illness. In choosing health insurance, it would be better if you get the dependent on critical illnesses. This is very important considering the handling of critical illness, such as stroke, kidney failure, cancer, malignant tumor, or coronary heart, spend a lot of money.
You need to know, not all insurance companies provide complete protection against critical illness. Therefore, you should also ask whether the insurance will cover the critical illness against the first stage or not. Most insurance companies provide critical illness claim rules if they have entered an advanced stage or above stage 3.
3. Choose Health Insurance Considering Inflation
Like saving, over time the value of money will be eroded by inflation. This should be a consideration in seeking health insurance. You do not want the paid insurance premium to slowly decrease in value due to inflation. Therefore, it is important for you to find out or ask the insurer about the effect of inflation on the insurance coverage provided.
4. Remember, There Are Limits Age Has Insurance
Each insurance company has different rules for providing insurance services. Generally, the insurance company determines the age limit to have insurance between 50-70 years with different protection periods.
5. Consider Alternative Health Insurance that Offers Cash Funds
Although this feature is rarely offered by insurance companies, you can find information related to this. Cash funds are required when maintenance costs later exceed the predetermined ceiling. Surely if there is a cash fund from the insurer over the ceiling excess, you do not need to provide a shortage of medical expenses.
6. Consider Insurance that Bears the Cost of Alternative Medicine
In Indonesia, many people are either for some reason choose alternative / nonmedical treatment. Most insurers only serve medical treatment conducted in the hospital. However, if you find an insurance product that offers alternative / nonmedical treatment financing, the insurance is worth your consideration.
7. Consider Health Insurance with Protection to Seniors
We do not know the age of the age of how many people we know will continue to live.Considering this, it is better to get insurance that provides protection for long periods of time.
8. Pay attention to Pre-Existing Condition and Elimination Period
Pre-existing conditions and elimination periods apply in health insurance. A pre-existing condition is a provision in health insurance that requires the sum insured will be provided after the policy is effective. For example, health insurance participants fall ill or are treated by accident. While the new insurance policy is effectively a few days after the insurance participants receive treatment. Referring to the provisions of a pre-existing condition, the insurer can not make claims for the suffering they suffered.