Health insurance for children is important to consider. Because, children are prone to illness and injury, and thus require health care. In order not to choose the wrong health insurance for children, see the guide here.
In contrast to adult health insurance, children's health insurance can provide supporting facilities, such as outpatient costs, dental health, eye examinations, hospitalization, and vaccinations. So, the health costs that are borne are not only costs if sick, but also costs for early detection and prevention of disease.
How to Choose Ainsurance Khealth for Awant
Newborn babies are actually required to be registered as participants in the National Health Insurance for the Healthy Indonesia Card (JKN-KIS) managed by BPJS Kesehatan, no later than 28 days from birth.
So, if the child is registered, the health insurance is directly covered by BPJS. In addition, several companies also guarantee health insurance for all family members, including children.
However, if the office where you work does not cover health insurance for children or BPJS Health is deemed insufficient to guarantee their health, you can choose personal health insurance for children.
Here are some things to consider before choosing health insurance for children:
1. Include children in parental insurance
Generally, health insurance for children under 24 years old must include parents. Therefore, if you buy health insurance for yourself and your partner, it's a good idea to include your children in your health insurance at the same time.
2. Pay attention to the child's health condition
Before choosing health insurance for children, you need to pay attention to their health conditions, for example, whether the child was born prematurely or was born with a low weight.
If your child has a health condition like the one above, it's a good idea to choose special health insurance, so that the risk of financial loss due to treatment can be anticipated.
However, if the child's health condition is good and normal, you can choose general health insurance.
3. Choose the right type of insurance
Generally, you only need to register your child for health insurance. You do not need to register for health insurance combined with life insurance. The reason is, this can actually reduce the health insurance benefits needed by children, because the premium costs are divided for life insurance.
In fact, what children really need is protection for their health. In addition, health insurance premiums combined with life insurance are also generally quite high.
4. Check the completeness of insurance facilities
It is also important for you to pay attention to what facilities are provided by health insurance, such as coverage for room costs, medicines, doctors, surgeries, as well as doctor's diagnoses before and after hospitalization.
In addition, also pay attention to whether the health insurance only covers inpatient care or covers outpatient care, because generally health insurance only covers inpatient care.
If your child is often sick, it's a good idea to choose insurance that covers hospitalization, outpatient care, and vaccinations. However, the consequence is that the premium paid may be more expensive than insurance that covers only hospitalization.
5. Adjust to children's needs and finances
Although health insurance for children is important to have, you also have to adjust the expenses for premiums according to your financial condition. For example, if you can only set aside insurance premiums for class 2 rooms, you don't need to force yourself to choose health insurance with VIP room facilities.
The point is, don't let you experience financial problems just because you take insurance that is not in accordance with your financial capabilities. After all, there is still JKN-KIS with a fee that is quite cheap and can even be free, which can also guarantee the health of your child.
Basically, choosing health insurance for children is similar to choosing health insurance for yourself. Careful in choosing insurance for all family members can reduce expenses if you fall sick.
If you are still having trouble choosing health insurance for your child, you can also ask your doctor about what insurance benefits you need to pay attention to, especially if your child has certain medical conditions.
