5 Hidden Benefits Health Insurance
1. Management of the disease
Health insurance that people have today mostly only provide compensation if the critical illness has reached a very severe condition, such as cancer stage four. But in fact there is a benefit that protects critical illness insurance because the disease is still at an early stage. For example, diabetics receive compensation ranging from consultation sessions with a nutritionist to consult a doctor for a blood pressure monitor. Insurance benefits will greatly assist the insured, because the costs are covered becomes greater.
Most health insurance does not cover the issue of mental illness and psychiatric disorders. But since 2010, the US government already require some type of health insurance to provide protection against mental illness and psychiatric disorders. Such legislation does not exist in Indonesia, and it seems almost all Indonesian insurance does not protect the insured from mental illness and psychiatric disorders.
Health insurance also usually do not provide reimbursement to the insured undergoing fertility treatment procedure or reproductive services to try to get pregnant or have children, for example, in vitro fertilization, etc. Some insurance companies in some states in the United States already provides this protection. Hopefully this is immediately followed by the insurance company in Indonesia.
Treatment included in insurance benefits in general is authorized medical treatment conducted by doctors at the hospital. Acupuncture alternative medicine, herbal medicine, massage, etc. are not covered by most health insurance. In fact, quite a lot of alternative medicine that helps relieve the pain of a critical illness.
The meaning of this benefit is a substitute for the treatment done to help cure or disease management insured. For example, if you suffer from heart disease, but you are still smoking, then you get a substitute for a consultation or a program that can help you quit smoking. With these benefits, health insurance help you live healthier, and thus do not aggravate your illness. After all, if you are healthy, then the less the cost of the insurance company, right?