Having health insurance during the corona pandemic can help calm you in carrying out the New Normal.
Since it first appeared at the end of 2019, the Covid-19 virus has transformed into a global pandemic that has infected millions of people around the world. Until the vaccine is successfully created, people like it or not must adapt to living side by side with the threat of this dangerous virus.
Everyone is required to be more disciplined in maintaining hygiene and body immunity so that they do not get infected. Starting from getting used to washing hands with soap, implementing social distancing, especially in public spaces, also increasing immunity by consuming healthy food.
In order to be more calm in carrying out your activities in the New Normal phase, you can complete protection with health insurance. This is an important reason why health insurance can help you be calmer in facing the threat of the Covid-19 outbreak
1. Health insurance protects financial risk
Economic conditions around the world have collapsed due to being hit by the Covid-19 pandemic. Waves of layoffs occurred everywhere, including in Indonesia. In these worrying times, securing financial health is just as important as maintaining physical health. Adopt a thrifty lifestyle and strengthen personal financial protection from the risks of financial loss. One way is to have health insurance.
With health insurance, you can manage the risk of financial loss if you get sick at any time, including diseases caused by the Covid-19 virus. So, if one day you fall sick, you don't need to worry anymore about medical or nursing costs. That way, you can protect your personal finances from unexpected shocks due to illness.
2. Choose insurance with protection against Covid-19
So far the government has provided assurances that the state will fully bear the costs of treating Covid-19 sufferers. However, if you have private health insurance, even better. In the midst of a pandemic like this, the threat of disease is not only Covid-19. Other diseases are no less dangerous, such as malaria, dengue fever, typhus and so on. So, you can carry out this New Normal period more calmly armed with health protection.
Make sure you choose health insurance that has complete benefits, from outpatient care, inpatient care, to surgery and the ICU. Also make sure the types of diseases covered include Covid-19. That way, the protection you have can be complete and adequate
3. Understand the Covid-19 insurance claim procedure
Having health insurance can help you get access to treatment quickly without the hassle of setting up funds in advance. Especially if the health insurance you choose uses a cashless protection scheme. So, so that the health insurance you choose can be used effectively whenever you fall sick, understand the procedure for claiming so you can get the service you need right away.
First, bring and fill in the complete claim form which you can usually download on the website the insurance provider. Secondly, ask for a referral letter, results of diagnostic and physiotherapy examinations, doctor's diagnosis, medical resume signed and stamped by the doctor and hospital, as well as a copy of the prescription.
Third, ask for proof of payment for details of drug costs, actions and others with original receipts. Fourth, submit a claim to the insurance provider through the application provided if available or send physical documents to the official address . Usually within seven working days, your health insurance claim can be paid immediately.
Completing financial protection in the midst of a pandemic with health insurance can ease your challenges in carrying out your days amidst the threat of a pandemic. Keep the spirit, okay.
Article by Allianz Indonesia.