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He alth insurance for children is important to consider. The reason is, children are prone to illness and injury, so they need he alth care. In order not to choose the wrong he alth insurance for children, see the guide here
Different from adult he alth insurance, children's he alth insurance can provide supporting facilities, such as outpatient costs, dental he alth, eye examinations, hospitalization, and vaccinations. So, the he alth costs that are borne are not only costs if you are sick, but also costs for early detection and prevention of disease.
How to Choose He alth Insurance for Children
Newborn babies are actually required to be registered as participants in the National He alth Insurance for the He althy Indonesia Card (JKN-KIS) managed by BPJS Kesehatan, no later than 28 days from birth.
So, if the child is registered, the he alth insurance will be directly covered by BPJS. In addition, several companies also guarantee he alth insurance for all family members, including children.
However, if the office where you work does not cover he alth insurance for children or BPJS Kesehatan is deemed insufficient to guarantee their he alth, you can choose personal he alth insurance for children.
Here are some things to consider before choosing he alth insurance for children:
1. Include children in parental insurance
Generally he alth insurance for children under 24 years old must include parents. Therefore, if you buy he alth insurance for yourself and your partner, it's a good idea to include your children in your he alth insurance at the same time.
2. Pay attention to the child's he alth condition
Before choosing he alth insurance for children, you need to pay attention to their he alth conditions first, for example, whether the child was born prematurely or was born with a low weight.
If your child has a he alth condition like the one above, it's a good idea to choose special he alth insurance, so that the risk of financial loss due to treatment can be anticipated.
However, if the child's he alth condition is good and normal, you can choose general he alth insurance.
3. Choose the appropriate type of insurance
Usually you only need to register your child for he alth insurance.You do not need to register for he alth insurance combined with life insurance. The reason is, this can actually reduce the he alth insurance benefits needed by children, because the premium costs are divided for life insurance.
In fact, what children really need is protection for their he alth. In addition, he alth insurance premiums combined with life insurance are also generally quite high.
4. Check the completeness of insurance facilities
It is also important for you to pay attention to what facilities are provided by he alth insurance, such as coverage for room costs, medicines, doctors, surgeries, as well as doctor's diagnoses before and after hospitalization.
In addition, pay attention to whether the he alth insurance only covers inpatient care or covers outpatient care, because generally he alth insurance only covers inpatient care.
If your child is often sick, it's a good idea to choose insurance that covers hospitalization, outpatient care, and vaccinations. However, the consequence is that the premium paid may be more expensive than insurance that covers only hospitalization.
5. Adjust to the child's needs and finances
Although he alth insurance for children is important to have, you also have to adjust your premium expenses according to your financial condition. For example, if you can only set aside insurance premiums for class 2 rooms, you don't need to force yourself to choose he alth insurance with VIP room facilities.
The point is, don't let you experience financial problems just because you take insurance that is not in accordance with your financial capabilities. After all, there is still JKN-KIS with a fee that is quite cheap and even free, which can also guarantee the he alth of your child.
Basically, choosing he alth insurance for children is similar to choosing he alth insurance for yourself. Being careful in choosing insurance for all family members can reduce expenses if you fall sick.
If you are still having trouble choosing he alth insurance for your child, you can also ask your doctor about what insurance benefits you need to pay attention to, especially if your child has certain medical conditions.