INSURANCE

Health Insurance will provide reimbursement based on the invoice receipt and a maximum of Medical Expenses Compensation Table in health insurance policy. Health Insurance Claims can be done with Cross Benefit, which is done on the benefits of Difference Claims already paid insurance to other insurance companies using copy files that have been legalized by the previous insurance. There is a very comprehensive benefits: Inpatient, Outpatient, Maternity Care, Dental Care, and Glass Eye Care.

Health Benefit will provide reimbursement based on the amount of the contract which is planned per each day of hospitalization.. Health Benefits of this can be done Double Benefit, which is double the claim to more than one insurance company to the benefit of each intact. This can also be defined as compensation to the replacement of lost income per day due to risk of hospitalization due to Illness or Accident. The program is a RIDER (Insurance extra) in Unit Link Life Insurance Program.

IMPORTANT:

Why Health Insurance is separated out by the Life Insurance (Unit Link)?

1. Inflation unpredictable. Inflation can occur very high on the cost of doctors, hospitals and drug prices obatannya, where it can not be predicted or calculated in advance, let alone to plan decades ahead. So the insurance company separate them, if later there are insurance costs because of inflation adjustments, it will not change the balance of Unit Linked illustration that we have agreed on early. This will give a sense of security is much better and do not affect each other on each plan.

2. Claim Health insurance is very high, so that the customer requires a commitment of more intensive assistance. When the service agent assistance and / or the company's commitment is not in line with expectations at the beginning, then buy a separate policy would provide a much better flexibility to conduct the evaluation.

There are several insurance companies that have a sisitem called Health Care Management Systems,

a. Pre Authorization to ensure patients are participants who are still in health insurance policy coverage and benefits provided in accordance with the Plan Benefit in the policy.

b. Quality Management Services to establish conditions for all hospital services and routinely conduct audits of the quality of services received by participants.

c. Service 24 hours / 365 days to the call center system that is ready to provide assistance and complaints in a consistent and professional participants.