Health insurance for the elderly is important to have because old age groups tend to require special health services, both in terms of prevention and treatment. Along with the many risks of illness, the elderly (elderly) are the group most in need of health insurance.
The more we age, the greater a person experiences health problems due to degenerative processes. Based on basic health research (riskesdas) in 2013, the elderly mostly suffer from non-communicable diseases such as hypertension (high blood pressure), osteoarthritis, dental and oral problems, chronic obstructive pulmonary disease, and diabetes mellitus.
Why do the elderly need insurance?
Health insurance is needed so that savings that have been collected for life are not used up for medical expenses in old age. Health insurance can also be used to keep the elderly healthy, independent, active and productive socially and economically.
Generally, the maximum age limit for enrolling in health insurance is at the age of 65 in Indonesia. Those who have just signed up for insurance at an old age, generally feel more burdened because the premiums are paid many times more than users who have been insured since young. In addition, because they are considered more risky than young people, the elderly need to undergo a health examination that sometimes makes their application not approved by the insurance.
Therefore, when buying insurance for the elderly, there are several things that deserve consideration.
Start by Checking the Cost Completeness
In choosing elderly health insurance, it is important to consider the following points:
- What is the premium each month.
- What medical services are covered by the insurance.
- How hospital or doctor payments are made (directly paid for by insurance or redeemed).
- How much is the fee covered.
- Is the insurance accepted at many hospitals?
- Outpatient costs: the cost of consulting a doctor and or the cost of purchasing drugs.
- Further examination fees: laboratory tests.
- Hospitalization: for patients who need observation so they must stay overnight in the hospital. Includes room costs, treatments, medicines, visits, and doctor's actions.
- Operation.
- Therapy or special treatments such as physiotherapy, chemotherapy, or postoperative care.
Note whether the components covered include the following:
- Room & overnight fees.
- ICU / ICCU room fee.
- Surgery / surgery costs (including anesthesia fees and operating room fees, and 31 days before / after surgery).
- The cost of doctor visits at the hospital.
- The cost of a specialist doctor's visit to the hospital (per treatment).
- Costs of laboratory tests & diagnostic tests (7 days before hospitalization).
- Consultation fees up to 60 days after discharge.
- Ambulance fee.
- Emergency outpatient expenses due to an accident.
- Emergency dental outpatient expenses due to accident.
- Plastic surgery / surgery costs due to accident.
- Transplantation of organs (heart, liver, lungs, kidneys and bone marrow).
Honestly State Pre-existing Conditions
Not being honest in informing the conditions that have been experienced before can make your claim unpaid. The condition in question is a disease that was suffered before someone filled out the insurance registration form. The disease can be:
- Chronic diseases, such as high blood pressure, diabetes, heart disease, asthma.
- Life-threatening diseases, such as cancer.
- Certain conditions, such as an injury or disability due to an accident.
What needs to be considered by people with these conditions when choosing insurance is whether all the costs of medicines in the long term and the cost of consulting a doctor during and after treatment will also be borne by the insurance company.
Don't Forget to Look at Critical Illness Insurance
Critical illness insurance generally pays funds equal to the sum insured when the insurance policy holder is exposed to critical illness. Critical illness in question is a type of disease that can endanger lives, such as heart disease, kidney failure, cancer, and stroke.
Generally, people think that they will immediately get protection once diagnosed with an early stage chronic disease, such as stage 1 cervical cancer. Apparently, most critical illness insurance will only pay for claims when someone's illness has entered the advanced stage (stage 4 and above).
Understand the Coverage Fund
Also pay attention to the sum insured which can be overlapped. For example there is insurance that offers critical insurance coverage of 50 million, coverage in case of disability of 50 million, and compensation if he dies 100 million. Do not let you not read the conditions that turned out to make you not receive maximum benefits. Make sure you read carefully and with the same understanding that is written on the policy.
In Indonesia, the elderly can get health insurance by registering at BPJS Kesehatan.
The best way is to be insured since young, when the body is still healthy and insurance premiums are not so high. So, in old age everything is ready if at any time experience pain or disaster.
In addition, because most insurance only covers customers up to 65 years of age, it is also necessary to save for emergency health funds so that they can be used after that age. Other steps can also use insurance that provides protection until the age of 80 years or even for life.
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