Choosing the Best Health Insurance: Allianz, AXA, Cigna, or Manulife

When it decided to stop working and start your own business , one thing that needs to be addressed is the matter of health care costs . How to be financed ? One of them is health insurance . But the problem is , how to choose the best health insurance .

With that purpose , the reviews done on offer from the four leading insurance companies , health insurance is Allianz , AXA health insurance , health insurance and health insurance Manulife Cigna . All four are quite reputable provider and have a cooperation network hospitals including the most extensive . Each take a look and compare the benefits and premiums with each other .

Health insurance is insurance that provides reimbursement of medical costs if the policyholder hospitalized due to disease or accident . The amount of reimbursement by the amount of the bill from the hospital to a certain limit restrictions taken based on the insurance plan .

Health insurance with critical illness insurance is different . Critical illness insurance gives cash benefit if certain critical illnesses . Given a one-time cash benefit in a lump - sum .

Before looking at each - each offer , we should first discuss what the ideal criteria . After that , we can determine which health insurance is good .

Criteria for the Best Health Insurance

According to the literature and the opinion of a financial planner , this was the case - things to consider .

cashless

With cashless , reimbursement claims easier . When admitted to hospital , you do not need to pay , but quite settle the bill with the insurance card swipe . No need to pay upfront , which then still have to be reimbursed to the insurance ( reimbursement) .

However , this requires a cashless hospital where you were treated already cooperate with the insurance because the hospital must have and put the card swipe machines for insurance . If no cooperation , despite having insurance cashless claim system , you are forced to continue to pay upfront and then finish with reimbursements .

Hospital Network Area

Cashless claim can not be done in a hospital that does not have agreements with insurance . Therefore , choose the insurance that has a network of cooperation with many hospitals . Make sure you have subscribed to the hospital ( if any ) in collaboration with health insurance that will be selected .

Ceiling and premiums according Needs and Capabilities

Ideally the chosen health insurance ceiling as desired . If the scheme is taken lower , while later hospitalized , you have to pay extra to cover the lack of insurance that are not guaranteed .

Of course , the high ceiling is proportional to the amount of the premium relates . The more expensive the hospital room , the more expensive the premiums . With the ability to adjust premiums , not even your financial burden . Must be prepared trade- off between the premium and the ceiling . Although it is often not easy , as a matter of health , for example, the selection of a hospital room , the more emotional and tend to want a comfortable and nice , the room rates were expensive implications .

Pure Health Insurance

Choose a stand-alone health insurance , life insurance rider is not a unit -linked . Why ? Expensive . In unit -linked , premiums will be shared for life insurance, investment and new health insurance . Into small portions for health , so you have to pay more to get a higher ceiling . Not to mention , a unit -linked deductions are not small numbers , which further reduce health care premiums .

In pure insurance , premiums are intended - an eye for insured health costs and discounted costs nor the costs in the unit -linked , so that premiums be cheaper or higher insurance coverage . If you want proof , compare the insurance coverage and the amount of health insurance premiums between pure with health insurance who are part of unit-linked .

Prioritize Hospitalization

Health costs include outpatient and inpatient . Should focus on the insurance cover hospitalization costs for this treatment is greatest . If you have more money , can take additional outpatient insurance .

Without Limit per Treatment

There is a limit or ceiling that limits the maximum number of health claims costs . Generally , the insurance limit applies two types , the first is a combined limit of all treatment and the second is a limit per treatment . For example , the first limit restricts combined all treatment costs USD 250 million a year , while the second limit restricts surgical care costs Rp 10 million a year , consulting fees of Rp 10 million a year and so on .

There is a limit of insurance which only uses the first , there were only the second limit and some are using both limits simultaneously. Should select the insurance limits apply first , or in other words do not limit the cost per treatment . It means that the policyholder flexible treatment of various treatments for a total limit is still there . Insurance limits that restrict the first and second limit , of course , the most ideal .

Note the Auto Debit Credit Card Payments

Although it seems to make it easier and usually pay a monthly premium ( finished look lighter ) , please careful - careful to auto - debit payments by credit card . If forced to use this method because the insurance does not provide other payment alternatives , make sure you know when payments begin and how the process if you want to stop .

Avoid Taking Health Insurance via Phone

Bids health insurance through tele - marketing began to emerge plural . Usually in cooperation with the credit card issuer . Related products are quite complex , as this insurance , you should think about , if you could do analysis and research , before making a decision . Therefore , I do not recommend taking a decision as soon as the offer by telemarketing . I never experienced themselves quickly and summarily the bidding process , so a lot of detailed info that can not be delivered due to time constraints . If it is interested and takes the time to think about it , can ask the insurance company contact number , which you can later contact when it is ready.

Wait period Disease

Health insurance requires a waiting period , some diseases can not be claimed for a certain period from the date of expiry of insurance . For example , Cigna establishes the following diseases can only be claimed 12 months later , ie asthma ; tuberculosis (TB ), kidney stones , urinary tract and bladder ; high blood pressure ( hypertension ) , heart and blood vessels ; Diabetes ( Diabetes Mellitus ) ; Vertigo ; and others - others . Ask the insurance company what goes diseases and how long the waiting period .

Judging by Health Insurance

Family health insurance plan that I ask is 3 members of a family , a husband ( age 41 years ) , my wife ( age 41 years ) and girls ( aged 5 years old ) . Inpatient room costs Rp 750,000 per day . The benefits of each - each insurance presented in the table below .

The best health insurance

ALLIANZ

The total premium for the year was USD 11,250,000 hospitalization . Interestingly , in -room inpatient limit for Rp 750,000 to 180 days a year , including the highest among others . However Allianz limit apply per treatment varies depending on the type of treatment . Meanwhile , limits the total limit for the combined knowledge no treatment . Cashless system . More can check at Allianz health insurance .

AXA

The total premium for the year was USD 12,674,000 hospitalization . Although more expensive among others , AXA does not apply limit per treatment . Care is paid according receipts , which are limited treatment combined limit of Rp80 million a year . There were a total combined limit of Rp 250 million a year per person . Hospitalization with room for Rp 750,000 per day maximum of only 60 days a year , fewer than Allianz . Cashless system . More checks at AXA health insurance .

Discussed health insurance is provided by AXA General Insurance , not by AXA Mandiri Financial Services and AXA Financial Indonesia .

CIGNA

Cigna launches new family health insurance , the Family EaziCare . The premium is determined by how much compensation per day and age of the oldest . In this example , the compensation of Rp 800,000 per day and the oldest 41 years of age , the premium per month is Rp 716.600 ( see details at a premium Cigna ) or Rp 8.5992 million a year to a maximum of five members . Looks relatively low premiums , let alone could provide coverage for up to five family members .

However , the benefit is somewhat different form , namely cash compensation . When treated , the compensation per day given a lump-sum , ie Rp 800 thousand , for a maximum of 60 days , no matter how much the cost of the room and the actual maintenance costs incurred .

That is , less or more shall room depending on the difference in total costs and maintenance costs compared to the amount of compensation . Although it looks cheap premiums , benefit is smaller than other insurance premiums more expensive . Cashless system .

MANULIFE

Health insurance is a rider or supplemental life insurance term- life ( Hospital Benefit Plus ) . Although not a pure health insurance , this program has an attractive benefits , not least with a pure insurance . The total premium for the year was USD 9,854,000 hospitalizations . In addition to cheaper premiums from Allianz and AXA , the cost of which is borne rooms also higher at Rp 800,000 per day with a maximum of 60 days a year of hospitalization . However , Manulife limit apply per treatment were relatively low , although there are no restrictions limit a year combined .

Manulife gives two benefits at once , life insurance and health insurance . The benefits of life insurance unit -linked here not because there is no investment element . In addition to the cost of health protection , you get life insurance protection worth Rp 600 million . We know that some other health insurers also provide benefits if the insured dies . But the numbers are small . No one at the insurance provided Manulife .

Finding the Best Health Insurance

All four implementing a cashless system , a family health insurance with inpatient facilities and are not part of the unit -linked . So for these criteria , all of them quite well . Let's look at other criteria .

ceiling

AXA ideal because of the limit of a large enough care with a limit ( the limit is not broken - broken per treatment ) , while others apply different limits - different for each treatment . Allianz and Manulife no limit but limit the total per year with a limit per treatment per year . For Manulife , because it provides additional life insurance coverage , we can reduce the life insurance coverage that we already have and use the excess premiums to increase health insurance premiums . Cigna good with limits restrict or limit the total per treatment . From the ceiling , because the smallest Cigna gave it in the form of cash compensation , which does not change the corresponding cost of hospitalization and physician costs .

premium

The least expensive is because in addition to the amount of premiums Cigna smallest , with premiums as low as it can be insured up to 5 family members ( 2 parents and 3 children ) . Meanwhile , other insurance , the premiums are more expensive , and even then only for 3 family members (more members , higher premiums ) . But , again , the premium associated with the benefits .

Network Hospitals

All of them have extensive cooperation . Which is the most complete information on their web AXA as described in detail the cooperation with hospitals and cashless claim the reimbursement claim .

Want to choose which health insurance ?

Depends . If you do not have insurance , my advice choose between Allianz , AXA or Manulife because they belong to the ideal ceiling . Meanwhile , if you already have insurance from work and want to add the insurance , take my advice Cigna because the insurance premiums are the most economical with fairly .

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