“I’m healthy and never been sick so far. Why should I follow a health insurance?”

Common people think like that and maybe we are the one of them. But, have we ever considered what will happen if the accident or sickness happened suddenly and we should take a rest for intensive care in hospital? We might be spending a lot of money for that. And off course, this is such unexpected situation for us. Otherwise, it could be very helpful if we have insurance for our health, isn’t t? As we know the cost for health problem is getting higher nowadays. Pay for the doctors, buy the medicine, nursing, are some examples for the cost that must be paid when we or one of our family member get an illness.

It’s a lucky for people who work in some companies or institutions which is have been got the health insurance program, because at least a half of the sickness / accident risk will be helped by the health insurance program. So, what if the company doesn’t prepare those facilities yet? Don’t be worry and start to plan to buy a health insurance. So that the cost of health problem will be stay stable because the total amount of the cost or annual premi can be counted accurately. Then it gives us an easy way to manage the abiturient and reduce unpredictable cost. There are 2 kind of health insurance, that’s Collective (group) health insurance and Individual health insurance. An Individual health insurance is commonly used for individual or family and collective health insurance like in many companies, who has been give a health protection for their employees. Premi of individual insurance is more expensive or higher than collective health insurance. Why? Because of collection, the total individual or member whose follow this insurance is in a large amount, so the risk can be shared with the member of insurance. The larger amount of group or member in a company, the lower premi they should be paid.

Advantage

Health insurance is a kind of insurance to solve a limited fund if the members of insurance get an illness / accident. All needs such as doctor service, inpatient in hospital, medicine cost, through the operation cost; that’s all will be handling by the insurance company. Commonly the kind of nursing service which as handle by company, including general and specialist doctor consultation, medicine cost, preventive cost, fee for utilities asked by the doctor, and so on. In this case there’s a maximum limitation of fund every year, and an inpatient’s advantages can be taken by the member of health insurance including hospital fee, laboratory cost, birth cost, emergency service cost. An advantage of tooth care consists of preventive, nursing of basic tooth, complex tooth care and the set up of tooth imitation.

The three advantages such as inpatient, birth and advantages of tooth care are another choice to be taken by follows the basic program of inpatient advantage. So we are capable to take an advantage of outpatient only, or birth only, or just tooth care only without follow the advantage inpatient basic program. The amount of the premi that should be paid and the amount of handling cost in health insurance are depending on the program of health insurance. Many insurance companies have different program and premi with the different detail of advantage too. Usually the insurance company limits the total amount of fund using annually.

If we keep in mind for a while, the coming of sickness / accident is often happened although the time of it can’t be predicted before. So, that’s  why we need a plan to prevent to manage or handle this problem carefully and wisely. The principal ” Prepare the umbrella before the rain fall ” can be don, the one of that way is by join the Health Insurance. That’s all. Hope this use full .

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