Consider This Before Choosing Insurance for Children

Not only adults, health insurance for children is also an important thing to have. Children have a higher tendency to get sick and to be hospitalized than adults. Given these vulnerable conditions, toddlers are also encouraged to have health insurance that can support their health needs. Everyone should have health insurance since they are young. Moreover, the immune system that is not yet strong makes children more vulnerable to illness and hospitalization. The following are things to consider when choosing health insurance for children.

Understand the Meaning of Health Insurance for Children

If adult health insurance functions to share the risks that occur when sick, child health insurance aims to provide facilities to support health needs, such as outpatient treatment costs, hospitalization, and vaccination.

Include Children in Parental Insurance

Generally, health insurance for children under 24 years old must include parents. So if you buy health insurance for yourself and your partner, it's good at the same time involving children. if you and / or your spouse works permanently in a company, first check the health facilities provided by the office. Try to check:

• Labor claims: what is the nominal or percentage of costs borne by the insurance company or company.
• Mandatory immunization claims for children in the first year.
• Claim for outpatient and outpatient costs (if any) for children.

Most companies provide insurance that covers the family only to male employees, but not to female employees. But there are also those who only bear the health costs of the employee itself, without family members. In this situation you need to consider buying your own health insurance for family members. The company is also required to register its employees in the government-owned BPJS program. And it turns out, your child can also be registered since he was still in the womb or after birth. Some documents that you need to prepare to register Little One, include:

• Photocopy of Birth Certificate.
• Photocopy of Family Card
• Photocopy of BPJS, ladies and gentlemen.
• Photocopy of Mr. and Mrs. KTP.

Other information about BPJS registration for children and facilities that can be obtained, you can access the official website of the Social Security Administering Agency / BPJS health.

Life insurance plus health or health insurance only?

Children do not need to be registered for life insurance, because they do not have economic value. Just parents who have life insurance because children will lose a source of income if one or both parents die. In addition, health insurance that only functions as an additional / rider of life insurance, will not function optimally.

Check the completeness of insurance facilities

In general, insurance only guarantees hospitalization. However, if your child is relatively sick often, it helps you to use insurance that provides inpatient and outpatient care, as well as vaccinations. As a consequence, premiums paid are more expensive than those hospitalized only. Also check the completeness of facilities such as room cost coverage, medicines, doctors, surgery, doctor's diagnosis before and after hospitalization.

According to ability

Be aware of your ability to pay premiums. There is no need to insist on having VIP room facilities if you can only set aside premiums for class 2 rooms. Basically, choosing insurance for children is similar to choosing health insurance for yourself, which can cover the health costs of children. Careful in choosing insurance for all family members can ease expenses when falling ill.