5 Ways to Choose the Best Health Insurance

Having health insurance is as important as having a house. Just as a house is a shelter, insurance protects you from the risk of financial loss when you fall ill, from mild to critical.

Of course, no one knows when you will fall ill or have an unwanted accident. Especially if you have to be hospitalized, the costs incurred are certainly not small.

Therefore, having health insurance is very important to protect yourself and your family. Well, before making a choice, first find out how to choose the best and most trusted health insurance below! 

1. Identify the Needs

Health insurance can provide direct protection against accidental illness or injury, whether mild to critical, requiring outpatient or inpatient care.

Therefore, before choosing health insurance, first identify your needs. Consider your age, health condition, and lifestyle.

If you are someone who is prone to illness, consider taking an inpatient or outpatient type of coverage. For those of you who are elderly, critical illness insurance could be an option.

Calculate the estimated health costs you will need, okay!

2. Compare Various Insurance Products

Learn the benefits and conditions of various existing health insurance products. 

Pay attention to the premium, which is the money you have to pay every month to the insurance company. Then, adjust it to your financial capabilities.

Also pay attention to the waiting period and adjust it to the estimated time span you need to cash in the insurance. 

You also need to pay attention to the insurance policy exceptions. That way you can know the types of losses that are not covered by insurance.

To compare one insurance product with another, use a website or consult a trusted insurance broker.

3. Choose a Trusted Insurance Company

Make sure the insurance company you choose has credibility and a good track record. Find out about their claims services and payment process. 

One of the best health insurance companies that you can choose is MSIG Life Indonesia. Throughout 2023, MSIG Life distributed health and death claim payments to its customers. The amount is not small, which is IDR 608 billion.

MSIG Life Indonesia was also named a trusted insurance company that won  the Best Performance General Insurance Company 2023 award from Infobank magazine. 

Infobank noted that MSIG Life Indonesia has been able to run an insurance business with good performance until today. This achievement is a sign of public trust in MSIG Life Indonesia.

 

4. Pay attention to the hospital network

Choose insurance with a wide and easily accessible hospital network. Make sure the hospital that works with your insurance is close to your home. That way, you can make a claim without cash if a medical emergency occurs.

MSIG Life has a wide and easily accessible network of partner hospitals. Click here to see the complete list.

 

5. Check Ceiling and Benefits

Make sure the ceiling and insurance benefits provided are in accordance with your needs. It is highly recommended to choose an insurance product that provides complete protection.

One of the best health insurance products with complete protection, namely  Smile Optima Flexilink with additional insurance Smile Medical Extra Shield Pro. This is a unit link insurance product from MSIG Life that can cover life and health insurance at the same time.

Smile Optima Flexilink guarantees life protection and provides convenience in investing according to your needs. 

With the additional insurance Smile Medical Extra Shield Pro, you also get protection against the risk of health care costs while in the hospital. The time span is 365 days during the insurance period with the amount of reimbursement. 

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