You Must Know This Health Insurance Claim System for Facilitating Insurance Claims
Rabu, 09 Januari 2019
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Before you think so, do you understand how the payment system actually carries out insurance claims? Understanding of these things becomes one of the many answers to people's thoughts above. When deciding on insurance products, the first thing that must be ascertained is the payment system when making claims from the insurance you choose.
Usually, there are 3 payment systems for making insurance claims that can be done, namely: Claim insurance with a reimbursement system, claim insurance with a cashless system and claim insurance with a compensation system.
Each system to claim the above insurance has advantages and disadvantages. Make sure you get the information first so that later you don't get upset. Besides the system for claiming that must be understood, also ask the insurance person about clinics or hospitals that can be used.
Make sure you don't get any complications during treatment, because of the lack of a network of clinics or hospital partners of insurance companies. Below this will be explained the functioning claim insurance systems.
Reimbursement system: Even though it has never been used, but not a few advantages - The reimbursement system requires that holding the insurance policy bear medical funds from personal money first, then the funds are billed to the insurance bureau by including rental receipts obtained from the clinic person.
These things that create a reimbursement system do not like insurance customers. Now the system has never been used. Because the reimbursement system presents its own complexity for its customers because it must provide costs as a down payment. If there is no cost, usually the customer of this system is not served and certainly it will have a severe impact.
Cashless System: Display Cards then Quick Service Provided - The system to claim this is very little used now. When the insurance customer is not healthy, he simply shows the insurance member card (usually in the form of a credit card) at the clinic provider to issue clinic fees according to the ceiling applied. Not a few conveniences are given. One of them does not require preparation of costs first when it is sick, you can immediately take medication.
The stages of the claim are when you show the insurance participant card to the clinic person. All funding for treatment at the clinic or hospital is the responsibility of the insurance bureau which the clinic will then collect. Arrangement of claim bills is done by the clinic to the same insurance bureau.
Ease and Weakness of the Cashless System - The cashless system offers easy stages of claims that do not require a down payment. These things are right for you who are doing overseas or working so far from your beloved family or who are not prepared for emergency / reserve costs. But, the disadvantage is that not all clinics do partners with insurance that you follow. These things are quite troublesome when you live in a place that is so far from the insurance provider clinic.
Steps must be considered before participating in the insurance program with the cashless system is to seek information and obtain an insurance bureau that conducts partnerships with not a few clinics. More vital level again looking for provider clinics that are not far from home or work location. Make sure when in an emergency you don't suffer because it's so far from the clinic provider when you are going to take medication.
Because providing convenience from the claims stage does not require advance payment, generally insurance premiums with cashless systems are quite expensive from other claim systems, including the reimbursement system.