Choosing Employee Health Insurance That Should Not Be Ignored

As we explained in the previous article, insurance is a very important protection product for us to deal with various risks that cannot be predicted in the future. But unfortunately not everyone understands how important it is to have health insurance. Are you one of those people who don't pay attention? If so, then you must listen to a little information that we have directly below regarding the best strategy for choosing employee health insurance that you might need now or in the future.

If you are an employee of a company, maybe you will feel that registering for BPJS for health is enough. Even though the fact is that there are lots of other insurance products that you must also have. If you are currently interested in choosing a company or agent for employee health insurance, then you can listen to strategies or tips and tricks that you can use to choose an insurance company or agent so that you can get the official and best agent in Indonesia.

Tips for Choosing Employee Health Insurance

It's more for you to know, that choosing employee health insurance is not as easy as we imagine, we can't even choose health insurance carelessly. Because if you choose the wrong insurance, you could experience a very large loss. Therefore, you can listen to some tips on choosing employee health insurance, which of course can help you to get the insurance that suits your needs more easily and quickly. The diary is as follows:

#1. Choose Protection Insurance for up to 24 hours

Tips for choosing employee protection insurance The first is, you must choose a health insurance agent who can certainly provide protection within 24 hours non-stop. That means the protection you get as an employee doesn't only apply when you work. So that when you experience unwanted conditions or even get sick outside of work, you can still get deferred services from the insurance company.

#2. Make sure insurance has a wide network of health clinics

Not only that, you should also be able to choose an insurance agent who has a very wide network of health clinics. If you choose insurance that works with a little health installation, then of course this will only make you experience losses both in terms of time and financially.

#3. Ensure Conditions of Insurance Services

It's true, the premium offer every month with a low value is very tempting. But you should be able to make sure the insurance is in accordance with what you need. Don't be tempted by a small prime value, but you can't get whatever you want, so it makes you suffer losses. Isn't it okay if you have to spend more money to cover all the medical expenses you need in the future?

#4. Choose Flexible Insurance

Every customer or user of employee health insurance certainly wants to get convenience when they pay premiums and when they buy the insurance policy itself. You should be able to choose a very flexible employee health insurance agent for food. Of course, this can make it easier for you to process premium payments every month.

#5. Understand the Types of Insurance Products Offered

The next tip that you should also pay attention to is understanding each type of employee health insurance product offered by the insurance agent. As we have explained in several previous articles, that each health insurance agent will generally provide different polices. Now, in this case, because you have to understand this in depth so that you can buy a product or policy that suits your needs and is in accordance with the finances you have.

So below are several types of employee health insurance products that you must know, including the following:

• The first is the hospital benefit, where this product can replace all medical expenses that you incur when you have to undergo outpatient or inpatient care.
• The second is the hospital cash plan, which is a product that can later provide reimbursement funds for a certain amount, the value of which is seen from the contract that you previously agreed with the party or insurance agent.