5 Reasons You Should Have Personal Health Insurance

5 Reasons You Should Have Personal Health Insurance

Health is important for every human being, so its protection is also very important. The benefits of health insurance have also been felt by many people, especially in minimizing the financial impact due to the risk of disease in the future.

Health Insurance What is needed by society in general is something that can give them peace of mind and complete the comfort of life at an affordable cost.

Therefore, people are starting to realize the importance of having personal health insurance. The main reason, personal health insurance can cover medical costs quickly in the event of a medical emergency.

Not to mention the fact that health costs in Indonesia are increasing year by year. Survey 2020 Global Medical Trends Survey Reportreleased by the firm Willis Tower Watson stated, gross medical inflation or health costs in Indonesia in 2019 rose almost 10% from the previous year. Meanwhile, this year, health costs are predicted to skyrocket again up to 11%. This increase is allegedly going to be higher than the average cost of healthcare in Asia Pacific countries which touched the level of 7%.

Seeing the trend of increasing health costs, having personal insurance is a wise decision. Why?

The Importance of Having Personal Health Insurance

1. Access to Many Hospitals

Because it has been present in Indonesia first, private insurance companies have worked closely with partner hospitals that are competent and ready to serve prospective patients. With a dispersed and varied network of hospitals, you can choose the hospital you want.

For example, we can search for the location of a hospital that is close to where we live or find a hospital where a regular doctor practices.


2. Easier Process

With a large network of hospitals, health insurance offers procedural services that are easier for policyholders while in hospital. For example, some types of disease do not require a referral system that requires the patient to bring a letter of recommendation from a specialist. This of course speeds up the treatment process.

This means that you can visit health facilities at any time, both clinics and hospitals as long as they cooperate with your insurance. We can even choose the doctor we want. This is what underlies many people why they choose personal health insurance as health protection.


3. Save Time

Long queues are something to avoid when we are sick. But what can we do, oftentimes, we have to be willing to wait for hours. This can be a hassle if you come to accompany an elderly person or small child.

Moreover, the quota for inpatients is limited. Such conditions will require us to go back and forth to the hospital to check the availability of inpatient rooms.

By having personal health insurance, we can have a shorter flow so that it is handled quickly, and saves time and effort.


4. Enjoy Cashless Facilities

With health protection, we don't need to carry cash with us to the hospital, especially if we suddenly have to enter the Emergency Room (IGD). If your health insurance has a cashless or non-cash feature, you only need to show your insurance card at the hospital counter. After that, the cost will be guaranteed in advance by the insurance company to the hospital.

One of the insurance that has features Cashlessis Manulife Indonesia. With this feature, Manulife will help cover patient costs if there is a risk of illness, so you can stay financially protected.


5. Cash Compensation

Another benefit offered by private insurance is the cash compensation provided while the patient is hospitalized. This compensation is beneficial for the patient's family who waits at the hospital every day, as a substitute for transportation costs or family hospitalization costs.

The five reasons above prove that health insurance provides more convenience. With private insurance, you don't have to wait long to get service, you can choose a hospital and specialist doctor, to choose a more attractive treatment room.

Therefore, you need to be observant in choosing insurance that provides the benefits described above. Well, one that should be an option is MiUltimate HealthCare. This is insurance products pure health developed by Manulife Indonesia with various advantages and benefits for customers.

Some of the advantages include inpatient facilities with 1 bed room, reimbursement of hospital fees according to the bill, as well as a room fee benefit of 3 times the plan chosen if you are treated abroad. This applies to all Manulife partner hospitals worldwide, with the exception of the United States. This is very useful for those of you who often travel abroad or even stay for some time in another country.

So with all the benefits that have been described, why wait to have health insurance? Remember, your health is priority. Agree?


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