Even if we always try to avoid getting sick, this risk cannot be simply eliminated. The Covid-19 pandemic can be an important lesson for us that not everyone can avoid the risk of contracting the disease. Yes, an invisible virus or bacterial attack can threaten our health without us even knowing it.
But not only during a pandemic, our health can also decline when conditions are not right. For example, when you are sleep deprived due to the pursuit of work goals. Or because of the habit of smoking at a young age, the effect of which is felt only now.
Outpatient insurance can provide financial support that helps you have the funds available to access healthcare services and facilities where you partner with insurance providers. Then how can you guarantee the best outpatient insurance for you and your family?
What is outpatient insurance?
Outpatient insurance is a type of health insurance. The Financial Services Organization (OJK) defines ambulatory insurance as insurance that can compensate medical expenses due to illnesses that do not require hospitalization or overnight stay, or patients are only treated .
Outpatient insurance makes it easier for you to claim the various required checks, so you don’t have to pay more for:
- buy medicine
- Other health services
- Consult a doctor
Considering that the best outpatient insurance is not an easy task, there are several things that you should pay attention to insurance providers. Meanwhile, insurance providers usually have different policies regarding the insurance benefits offered to policy holders. Some of these differences are usually related to:
- Limitation in the provision of services so that the insured is required to be referred by a general physician in order to be able to refer to a specialist.
- Limiting the number of visits and treatments in a year.
- Hospitals visited by the insured
Before you can decide which outpatient insurance is best for you, it’s important to understand these limitations. For this, be sure to read the details of the insurance policy and do not misinterpret what is stated in it.
The difference between outpatient and inpatient insurance
Simply put, outpatient and inpatient insurance is different from the benefits provided. Outpatient insurance only covers the costs of seeing a doctor and medication, while inpatient insurance covers the costs of hospital treatment, i.e. room costs during hospitalization.
In detail, the difference between these two insurances can be seen from the following:
1. Place of treatment
Outpatient insurance can be granted to patients who seek treatment in medical facilities such as hospitals, clinics, laboratories and pharmacies. While inpatient insurance can only be used when the patient is treated in a hospital that has an inpatient room.
2. Type of disease
Hospitalization insurance is usually given to patients who have more serious illnesses that require hospitalization or hospitalization. While usually for patients who have minor illnesses, outpatient insurance is mandatory.
Hospitalization insurance usually covers outpatient expenses before and after hospitalization. Therefore, the price of this insurance premium is generally more expensive than outpatient insurance.
This is a corner of the difference between inpatient insurance and outpatient insurance. Before you decide which one is right for you, you can find out what indemnity insurance is.
Buy the best outpatient insurance
Before buying the best outpatient insurance for you, be sure to pay attention to the following points.
Insurance premium according to ability and need
Outpatient insurance premium prices vary according to the benefits provided. According to the contract in the insurance policy, the premium must be paid regularly and over a long period of time. Therefore, make sure that you have carefully calculated the costs that you will have to incur in order to continue receiving these insurance benefits. Look for an insurance that matches your financial capabilities.
Check how the payment system works
In general, there are two types of outpatient insurance payments, namely through the system a refund Or No cash. System No cash It is usually only available at certain hospitals that partner with insurance providers. While the system a refund It is more flexible because it can be used in any hospital. But in terms of budget, the system a refund He wants us to bear the expenses of the hospital first.
Know the benefits of outpatient insurance
Before purchasing outpatient insurance, make sure you understand what can be claimed and what are excluded. Each insurance provider has a different claim policy.
It has many partner hospitals
Make sure the outpatient insurance you choose has many hospital partners. This will make the inspection easier for you. Whenever you are sick, there are many choices of hospitals that you can go to. Even better, make sure that one of the insurance’s partner hospitals is not too far from where you live.
In general, insurance providers prefer to enroll their clients in good health and at a young age. This also makes the premium price cheaper. The premium cost will be more expensive when the insured is older.
Make sure that the cost limit can be covered by outpatient insurance. High ceilings provide flexibility in receiving outpatient reimbursement. Don’t let your expenses cover your expenses.
Now you know what outpatient insurance is and how it differs from inpatient indemnity insurance. Having insurance helps protect you financially so that you can still meet your financial goals even if medical need arises in the form of outpatient or inpatient bills.