Health insurance for the elderly is important because they tend to require special health services, both in terms of prevention and treatment. Check out the following information so that you understand more about health insurance for the elderly.
The elderly are the group that suffers the most from non-communicable diseases such as hypertension (high blood pressure), osteoarthritis, dental and oral problems, chronic obstructive pulmonary disease, and diabetes mellitus. In addition, the elderly are also more at risk of falling or accidents because of their body condition.
Health insurance is needed so that the savings that have been collected for life are not used up for medical expenses in old age. Health insurance can also be used to keep the elderly healthy, independent, active, and socially and economically productive.
Which Hcurrent Ddo Saat Mchoose Ainsurance Khealth for Orang Tua
In Indonesia, generally the maximum age limit to register in health insurance is 65 years. Before deciding to choose a health insurance for the elderly, there are several things you should pay attention to first, namely:
1. Check completenessinsurance
When choosing insurance, what is usually considered first is the premium cost each month. However, when choosing health insurance for the elderly, there are other things to consider, including:
- How to pay for the hospital or doctor, is it paid directly by insurance or by us first?
- Medical services covered by the insurance
- Total costs covered, whether including outpatient costs, treatment (including physiotherapy or chemotherapy), additional examinations, hospitalization, and surgery costs
- Which hospitals accept this insurance?
- How long does the insurance last, is there an age limit or not?
In addition, note whether the components covered include the following:
- Room & stay fee
- ICU/ICCU room fee
- Anesthesia and operating room fees
- The cost of visiting a doctor or specialist at the hospital
- Follow-up consultation fee up to 60 days after discharge
- Ambulance fee
- Emergency outpatient expenses due to accidents or falls
- Outpatient dental emergency due to an accident
- Cost of surgery/plastic surgery due to accident or fall
- Cost of organ transplants (heart, liver, lung, kidney, and bone marrow)
2. State the existing conditions honestly
You should state the condition or illness that has been suffered by the insurance company. If you are not honest about these conditions, the insurance may refuse to pay your claim.
Some conditions or diseases that you need to inform include:
- Chronic diseases, such as high blood pressure, diabetes, heart disease, asthma
- Life-threatening diseases, such as cancer
- Certain conditions, such as injury or disability due to an accident
If you suffer from conditions like the above, you also have to know for sure, whether all the costs of drugs and the cost of consulting a doctor during and after treatment will also be covered by the insurance company.
3. Understand dana pliability
You also need to understand the insurance coverage that you will choose. The sum insured is the amount of money that must be paid by the insurance company if you experience a risk that is guaranteed in the insurance.
Make sure you read carefully and get an understanding in accordance with what is written in the policy, so that you know the exact amount of money you are entitled to receive when a risk occurs.
4. Pay attention to critical illness insurance
Critical illness insurance generally has to pay the sum insured when the insurance holder is critically ill. Critical illness in question is a type of disease that can endanger lives, such as heart disease, kidney failure, cancer, and stroke.
What needs to be considered is the extent to which insurance can cover you when you have a critical illness. Most new insurance will pay critical illness claims when the disease has entered an advanced stage.
By knowing this, you can be more vigilant in doing financial planning in retirement. You can estimate how much emergency funds for health need to be prepared, excluding insurance premiums.
Those were some of the things you need to consider before choosing health insurance for the elderly. Generally, people who have just signed up for insurance at an old age will feel more burdened because the premiums paid are many times higher than users who have been insured since young.
In addition, because they are more at risk of falling ill, the elderly need to undergo a medical examination which sometimes makes their application for insurance not approved by the insurance company.
So, it's a good idea to register for health insurance as early as possible, when your body is still in good health and insurance premiums are not that high. That way, in retirement everything is ready if at any time you experience illness or disaster.
If you still have considerations about insurance, you can consult a doctor. Your doctor can give you an idea of your health condition now and in the years to come. However, the decision to have insurance remains in your hands.