The Importance of He alth Insurance for Parents

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The Importance of He alth Insurance for Parents
The Importance of He alth Insurance for Parents

He alth insurance for the elderly is important because they tend to require special he alth services, both in terms of prevention and treatment. Read the following information so that you understand more about he alth insurance for the elderly

The elderly are the group that suffers the most from non-communicable diseases such as hypertension (high blood pressure), osteoarthritis, dental and oral problems, chronic obstructive pulmonary disease, and diabetes mellitus. In addition, the elderly are also more at risk of falling or having an accident because of their body condition.

The Importance of He alth Insurance for Parents - Alodokter

He alth insurance is needed so that the savings that have been collected for life are not used up for medical expenses in old age. He alth insurance can also be used to keep the elderly he althy, independent, active, and socially and economically productive.

What to Do When Choosing He alth Insurance for Parents

In Indonesia, generally the maximum age limit to register for he alth insurance is 65 years. Before deciding to choose a he alth insurance for the elderly, there are several things you should pay attention to first, namely:

1. Check completeness of insurance

When choosing insurance, what you usually pay attention to first is the premium cost each month. However, in choosing he alth insurance for the elderly, there are other things to consider, including:

  • How to pay for the hospital or doctor, is it paid directly by insurance or by us first
  • Medical services covered by the insurance
  • Total costs, whether including outpatient, treatment (including physiotherapy or chemotherapy), additional examinations, hospitalization, and surgery costs
  • Which hospitals accept the insurance
  • How long does the insurance last, is there an age limit or not

In addition, pay attention to whether the components covered include the following:

  • Room & stay fees
  • ICU/ICCU room fees
  • Anesthesia fee and operating room fee
  • The cost of visiting a doctor or specialist at the hospital
  • Advanced consultation fee up to 60 days after discharge
  • ambulance fee
  • Emergency outpatient expenses due to accident or fall
  • Outpatient dental emergency due to an accident
  • Surgery/plastic surgery costs due to accidents or falls
  • The cost of organ transplantation (heart, liver, lung, kidney, and bone marrow)

2. State the conditions honestly

You should state the condition or illness that has been suffered by the insurance company. If you are not honest about these conditions, the insurance may refuse to pay your claim.

Some of the conditions or diseases that you need to be informed about include:

  • Chronic diseases, such as high blood pressure, diabetes, heart disease, asthma
  • Life-threatening diseases, such as cancer
  • Certain conditions, such as injury or disability due to an accident

If you suffer from any of the above conditions, you also need to know for sure whether all the costs of medicines and consultations with doctors during and after treatment will also be covered by the insurance company.

3. Understand the sum insured

You also need to understand the insurance coverage that you will choose. The sum insured is the amount of money that must be paid by the insurance company if you experience a risk that is guaranteed in the insurance.

Make sure you read carefully and get an understanding that is in accordance with what is written in the policy, so that you know the exact amount of money you are en titled to receive when a risk occurs.

4. Pay attention to critical illness insurance

Critical illness insurance generally has to pay the sum insured when the insurance holder is critically ill. Critical illness in question is a type of disease that can endanger lives, such as heart disease, kidney failure, cancer, and stroke.

What needs to be considered is the extent to which insurance can cover you when you get a critical illness. Most new insurance will pay critical illness claims when the disease has entered an advanced stage.

By knowing this, you can be more vigilant in doing financial planning in retirement. You can estimate how much emergency funds for he alth need to be prepared, excluding insurance premiums.

There are a few things you need to pay attention to before choosing he alth insurance for the elderly. In general, people who have just registered for insurance at an old age will feel more burdened because the premiums paid are many times higher than users who have been insured since young.

In addition, because they are more at risk of falling ill, the elderly need to undergo a medical examination which sometimes makes their application for insurance not approved by the insurance company.

So, it's a good idea to register for he alth insurance as early as possible, when your body is still in good he alth and insurance premiums aren't that high. That way, in retirement, everything is ready if at any time you experience illness or disaster.

If you still have considerations about insurance, you can consult a doctor. Your doctor can give you an idea of ​​your he alth condition now and in the years to come. However, the decision to have insurance remains in your hands.

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