About Health Insurance

Do you feel it is important to have health insurance? It may be that most of us would answer no.

In fact, if any member of our family who are sick and should be treated in the hospital we just felt the importance of having this insurance. Because at the onset of her illness much less severe, in addition to the body must suffer, bag, too miserable.

Life Insurance and Health Insurance is required mainly for self-employed and informal workers who do not have health insurance from a company or government agency.

A self-employed if hit by illness or disability due to accident will suffer financial losses because many have to bear the cost of treatment and can not work for a living.

Another case if a person works in a company or a government employee, they usually get health insurance that will bear the cost if the sick and fixed monthly salary is paid.

The most important thing is, before determining what health insurance products, of which the insurance company, it is advisable to compare different products, types of products from various insurance companies.

Do not rush to buy insurance products without understanding clearly the rights and obligations if we join an insurance product. Here are some tips that you can use as consideration:

* Determine the benefits of any protection we need, for example, provides hospitalization benefits and critical illness, because this is what causes us to spend large sums of money, because the period is difficult to estimate. Or, provide outpatient benefits if within the last 1-2 years we often went back and forth to the doctor. Usually, health insurance is also attached to life insurance.

* Find information on insurance products as needed, to collect brochures from various companies or searching for information on insurance company's website,

* Ask your agent in detail about the product as a whole until the detailed calculation of the allocation of funds that we pay for anything,

* Do not believe all health insurance agents say, because they do not necessarily understand well the products they offer,

* Have made illustrations benefits of health insurance products, premiums to be paid and the allocation of the premium paid it to anywhere

* Learn the content of the illustrations in the house with a relaxed and thoroughly, do not rush to conclusions, ask a better idea if there is not yet clear

* Compare products from various health insurance companies, which provide the greatest benefit with the least expensive premium, but the info or find out whether the company is bona fide or not

* Do not just based on the best insurance award from a magazine, but you should really know how to calculate the insurance costs

* Determine the insurance product after all you really understand

* After determining and deciding to buy a health insurance product, we will accept an insurance policy that contains a binding contract between the customer and the insurance company. Learn more policy content, customers are usually given 14 days a chance to cancel the policy.

Remember, do not be fooled by an insurance product Do not buy Life Insurance and Health Insurance Unit Link associated with investment.

Unit-linked products is very expensive, you better go pure life and health insurance and invest the money into mutual funds separately.