How to choose health insurance and how it works? Before choosing which insurance is right for us would be helpful to know what the heck it is health insurance. Health insurance is a health financing system that runs based on the concept of risk. In the health insurance system, the risk of illness is jointly covered by the participants to pay premiums that run insurer (the principle of mutual assistance).
Understanding health insurance
Health insurance is a health financing system that runs based on the concept of risk.
Transferring risk from one individual to a group.
Dividing the amount of loss along with a fair proportion by all members of the group through the insurer.
Elements health insurance
1. Insured (patient).
2. Insurers (insurance company)
3. Health care giver (kdp).
Type Insurance health
Social health insurance (social health insurance)
Commercial health insurance (private voluntary health insurance)
Understanding social health insurance
Participation is compulsory.
Premiums / fees based on percentage of income / salary.
Premiums / contributions are shared by work / corporate and labor.
Participants / workers and their families obtain health insurance.
Participants / workers to obtain compensation for pain.
The role of big government.
Understanding Health insurance commercial
Participation is voluntary.
Premiums / contributions based on absolute numbers, in accordance with the agreement / contract.
Participants / workers and their families obtain compensation for health care costs under the agreement / contract (not comprehensive).
Government's role is relatively small.
Once we know what it is about health insurance in the form of insurance, then we can decide which one will we choose