After knowing how health insurance works and its meaning, it is also important to know its benefits. The benefits of health insurance are coverage of medical expenses or health care in hospitals or other medical services. The benefits are divided into two categories, namely basic benefits and additional benefits (riders).

1. Basic Benefits

The basic benefit of health insurance is primary coverage. This means that when you sign up for a policy, the insurance company will automatically cover the following medical expenses:

• Hospitalization: Cost of hospital room, doctor visits, medicines, and other costs related to hospitalization.
• Surgery: Costs for surgical procedures, such as resection, amputation, or reconstructive surgery. The health insurance policy also covers operating room, surgeon, and anesthesiologist costs.
• Outpatient: Costs for medical procedures that do not require a hospital stay. Both pre-hospitalization or post-hospitalization or simply outpatient diagnosis and treatment.

2. Additional Benefits

Additional benefits or known as riders are extensions of health insurance policy coverage. This means that to get this rider, customers need to pay additional fees.

For example, if you have received basic health insurance benefits in the form of inpatient care, outpatient care, and surgery, then the customer wants to obtain other additional benefits such as medical check-ups (MCU), maternity insurance , health insurance covering dental care, and eye care.

• Medical check-up: Usually, MCU costs are only covered at the start of insurance registration to measure the health risks of prospective customers.
• Maternity insurance: Childbirth costs, starting from check-ups, the delivery process by Caesarean or normal delivery, and aftercare.
• Dental care: Health insurance covers dental care costs, from examinations, cleanings, fillings, or tooth extractions.
• Eye care: Costs for eye health care, starting from examinations and including glasses.

Some insurance companies offer a choice of policies with basic benefits to additional (rider) complete with cheap premiums.

There are several insurance policies that offer premium refund benefits if there are no claims until the policy period ends. Most provide special premium refund benefits for health insurance and investment products at once. For this combined investment insurance product, the premium is generally more expensive.

Studying the policy is very important so that the insured truly understands what benefits can be obtained when a medical risk occurs. With thoroughness, customers can also avoid the risk of claims being rejected.

Here are some points to consider when studying a sample health insurance policy:1. Read Important Information

Some important points to note when studying the policy are the benefits of exclusion clauses, compensation mechanisms, limits or ceilings, and the validity period.2. Study the Policy from the Beginning

Before deciding to buy insurance, it is better to ask for a sample policy first. Usually the company will give you 14 days to study the policy. If the policy chosen is not suitable for your needs, prospective customers can file a cancellation and the premium will be refunded.3. Know the Needs

After studying the policy, compare the benefits and insurance limits provided with the needs. For example, currently the range of hospitalization costs in hospitals is IDR 500 thousand per day, then look for health insurance that provides daily hospitalization limits above that amount. Or, maybe prospective customers often travel abroad, then it is better to choose a policy that covers up to international hospital coverage.4. Compare Policies

Don’t just stick to one policy. It’s better to study and compare several examples of policies from various companies. That way, prospective customers can get a policy that really suits their needs with the cheapest premium.

You can easily compare health insurance at Lifepal! Simply fill out the form above and compare the best health insurance policies in Indonesia.

The benefits provided by both types of protection are broadly the same. The difference is, 
sharia health insurance follows sharia principles or in accordance with Islamic law, aka mutual assistance agreement. While conventional companies focus more on sales and purchase agreements.

For prospective customers before deciding to buy health insurance, they will definitely wonder about the difference between pure health insurance and unit link. In general, pure health insurance does not have cash or investment benefits. While for unit links, there are investment benefits and can make withdrawals in certain amounts. For that, here is a table of differences between unit link insurance and pure (traditional) health insurance.

Traditional (Pure) Health Insurance

• Protection without cash value
• Cheaper premium prices
• Maximum insurance coverage period is 99 years

Unit Link Insurance

The insurance coverage period can be for life

Cash value protection (investment)

Premium prices are more expensive (because of the insurance benefits + cash)

The age of entry for health insurance is from 6 months to 17 (children), 17 years to 70 years (adults), and maternity benefits start from 20-43 years.

Usually the younger the age, the easier it is to be accepted by insurance. While the older the age, the harder it will be to get health insurance products that cover the elderly.