3 Things You Must Know When You Have Office Health Insurance

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Certain companies provide health insurance facilities for their employees. Sometimes, this facility can even be used by family members. Well, if you are one of the people who get health insurance from the office, you are in luck!

Already have, so what now?

Of course you have to understand and understand the product before using it. Therefore, let's discuss 3 things you must know when you have health insurance from the office.

1. Why is office health insurance important?

Many people think that insurance is less important.

Especially if you start to imagine having to pay a premium every month or year, and are constantly being bullied by insurance agents. Yet the benefits did not come.

But we can't deny that there will always be risks. Better to be on guard than sorry, right? Well, that's why you need to use health insurance from the office.

The reason is, office health insurance has several advantages over private or personal insurance. Here are some of the advantages of office health insurance:

Makes us more productive . Automatically if our health has a "safety" in the form of insurance, we will have better productivity.
Not complicated . You do not have to deal directly with insurance agents. You just need to know it's okay, because managing health insurance is part of the work of the HRD in the office.
"Free" . Actually, there may be some companies that cut a small part of your salary to pay for this health insurance premium . But because you're not paying straight from that paycheck and it's been deducted from the start, you feel as if health insurance is free.

2. How to take advantage of employee health insurance?

If you are new to insurance, then there are many things that you may have to learn first. Especially the many insurance terms. (Psst, read our article about insurance policies so you don't get confused!)

However, you don't have to worry because you don't have to swallow it all at once.

To take advantage of this health insurance, you only need to pay attention to 3 important points, namely Benefits, Exclusions, and How to Claim.

Insurance benefits

Insurance benefits are the amount you receive from the insurance company in exchange for the risks that occur. For health insurance, this means that there is a health risk, such as being diagnosed with a certain disease or undergoing hospitalization.

Well, there are many types of health insurance. This can be seen from the type of Benefits and/or the amount of Sum Insured they provide.

Here are some things you need to answer by looking in the Insurance Policy document or asking your office HRD:

What benefits are covered? Is it just a risk of hospitalization and ICU? Is it available for outpatient or surgery? Does it have an element of life insurance (risk of death)?
Who can use this insurance? Is it just you as an employee, or can the insurance cover one family?
How much benefit? Does he provide cash compensation (with the stated daily nominal) or according to the bill?

Exception

You already know what and who is covered by the insurance product. But apart from that, you also need to know what's not covered . These risks or conditions that are not covered are referred to as Exceptions.

If you run into an excluded risk, then you cannot make a claim. Therefore, it is important that you understand the Exceptions before claiming.

What is included in the Exception?

Wow, for this problem is different. However, here are some examples of the Exceptions you may encounter in the Policy:

Treatment caused by:

Violation of the law;
Suicide and/or attempted suicide;
Pregnancy, childbirth, infertility, erectile dysfunction, impotence, and other reproductive disorders;
Mental and mental health problems;
Cosmetic and/or plastic surgery; and/or
Engage with acts of terrorism or war.

How to Claim

Once you know what's covered and what's not, you can file a claim. Why have insurance if it's not claimed? Therefore, you must understand how to make a claim.

Here are some questions you need to ask the relevant parties:

Is there a Cashless feature or not? Cashless means that you only need to show your membership card during the administration process at the partner hospital.
What documents need to be prepared? There are various documents that need to be prepared when submitting a claim. Therefore, make sure you know what documents are needed.
When is the deadline for filing a claim? Insurance claims must be submitted within a certain period of time after treatment. Therefore, make sure you are not late in submitting this claim.
How is the claim process? Can a claim be made online or do you have to send the documents to the office? Who should file the claims process: You, the company you work for, or the partner hospital?

In addition, it never hurts to read more about how to claim insurance through one of our articles. There, you will better understand what might make your claim rejected or accepted.

3. Is office insurance sufficient?

Having health insurance from the office is good. At least you're more protected than nothing. Besides, when else will you get “free” insurance?

But at the same time, you also need to think about the drawbacks, such as:

What if the insurance doesn't cover family members?
What if your company does not provide health insurance?

Or worse:

What if you decide to retire, get fired, change offices, or quit your job to open your dream business?

Therefore, you can also (at least) consider whether you need private or personal insurance outside of office insurance. If you feel you can afford it, you can buy it. If not, then at least you are covered by office insurance.

Need to buy personal health insurance?

If you have personal health insurance problems, you can try checking insurance products from Super You by Sequis Online. The development of this latest digital insurance product has the following benefits:

Insurance products are affordable . Only starting from IDR 30,000 per month. Of course, this premium is influenced by age and the chosen plan, Friend SUPERjuangan.
The process is easy . Just prepare your ID card and ID card of the heirs. After that, you just need to fill out the form and make the payment. It's been as easy as shopping online!
Without intermediaries and transparent . We do not use insurance agents. In addition to streamlining the process, we also make it easier for you to view the information on our product pages. Even if you are confused, you just have to ask via WhatsApp that we have provided.

Still not sure? It does not matter. You just think about it.