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The Importance of Having Health Insurance in Today's Age

The Importance of Having Health Insurance in Today's Age

So far, you must be familiar with health insurance services, but not a few are still hesitant to have it. In fact, health insurance has a variety of benefits that can help you in the future. Before discussing the benefits, first consider the explanation regarding the meaning of health insurance below. 

What is Health Insurance?

Launching the official website of the Financial Services Authority (OJK) , health insurance is insurance that provides guarantees to the insured to reimburse any treatment which includes hospital care costs, surgery costs, and drug costs. 

Generally, the insurance company will cover the medical or maintenance costs of the insured as long as it is in accordance with the provisions of the policy. An insurance policy is a written cooperation agreement contract between an insurance company and a customer who holds the policy. 

Usually, an insurance policy contains several things, starting from the risk of the disease being covered, the amount of the sum insured, benefits that can be obtained by the customer, rights and obligations, exceptions to protection, letters of claim, and so on. 

To get health insurance benefits, customers are required to pay the agreed premium, so that each insurance company provides different services or facilities.

As you know, having health insurance is like 'prepare an umbrella before it rains'. This insurance can be considered as an umbrella for your health and that of your family. With the availability of this umbrella, you can better prepare yourself for risks regarding health or illness that may arise. So, how important is it to have health insurance?

Benefits of Having Health Insurance

According to the Financial Services Authority (OJK), there are a number of benefits that you can get if you have health insurance, including:


One of the benefits that you will get when you have health insurance is the inpatient benefit. In this case, you can get treatment or stay at the hospital in accordance with the provisions that apply to the conditions of the insurance company's policy. In general, health insurance for hospitalization covers hospital fees, laboratory costs, childbirth costs, and emergency costs.


You can also get protection against outpatient expenses. This benefit can replace medical expenses due to diseases that do not require hospital stay, but only for outpatient treatment. In general, these benefits cover general practitioner and specialist consultation fees, prescription drugs, costs for preventive measures, and costs for assistive devices recommended by doctors. However, these things return to the provisions that apply to the company's policy conditions. 

Give birth to

Another benefit is that there is protection against the cost of childbirth. Usually health insurance will reimburse labor costs according to the program taken and guaranteed in the policy. 


Some health insurers also provide protection against the cost of glasses. In this case, insurance can reimburse the cost of glasses lenses and frames with a cover letter from an ophthalmologist. 


Health insurance also generally applies to dental protection. The benefit is by reimbursing medical expenses due to basic care, gum care, complex dental care, tooth repair, and others. 

General check-up

Another benefit that you can get when you have health insurance is the protection of costs for general check-ups. Usually insurance is used to reimburse medical examination costs according to the program taken and guaranteed in the policy.

In addition to what has been mentioned above, actually there are also benefits of health insurance based on its designation, including:

  • Minimize financial losses
The high cost of treatment such as hospitalization or outpatient care can be covered by health insurance. Enough to pay the premium per month, you no longer need to worry about costs.

  • Provide more protection for yourself and your family
Having insurance is the right step to protect yourself and your family. Several health insurance products offer protection for families. 

  • Helps manage finances more regularly
Health insurance products can actually help you manage your finances better. Because, following the health insurance program requires you to pay a premium every month. Thus, indirectly health insurance can help you manage your finances better.

  • Not worrying about costs when sick
By having health insurance, you don't have to worry about medical expenses when you fall sick. The reason is, the insurance company will pay for medical treatment so you can be more calm and comfortable.

  • Better prepare yourself for the risks that might occur
Health insurance is one of the preparations in dealing with health risks that can come at any time. Because, no one ever knows what risks will befall.

Tips for Choosing Health Insurance

Health is one of the most valuable things that must be maintained, which is why health insurance is needed to provide more protection for yourself and your family. Currently, there are many types of health insurance that you can choose from. However, you should determine the right insurance.

Here are some things that you should pay attention to before choosing health insurance, including:

Understand needs 

The first tip that needs to be done is to understand your needs first. This will certainly make it easier for you to find the right choice of health insurance products. That way, you can get the maximum benefit from the insurance product because it fits what you need. In addition, make sure you study the services provided by the insurance company in detail.

Make sure the insurance company is credible

Currently there are many insurance companies that can be an option, but not all of them are credible. Therefore, make sure you study the credibility of existing insurance companies. This is important so that you avoid losses that might occur. One of the health insurance that is credible and has been officially registered with the OJK is the Fortuna Xtra Protection product from AIA which can be purchased via CIMB Niaga, which can provide extra protection at every stage of your life. 

Choose insurance with an extensive hospital network

Apart from ensuring that the insurance product provides maximum benefits, note that the registered hospital has an extensive network. Avoid choosing insurance that offers a lot of coverage, but is only limited to a small number of hospitals. 

Flexible service

Another thing that you should pay attention to is to make sure to choose insurance that has flexibility, so that it allows you to be able to change premiums or benefits flexibly. This will make it easier for you to adjust your financial plan in the future.

Easy claim process

Tips that are no less important are to make sure the insurance company provides an easy claims process. Good insurance not only offers protection for the risk of disease, but also offers convenience in the claim process. Easy and fast claim procedures can save time and reduce the burden when you need the insurance in the future.

In addition, you can also make a comparison list of existing insurance products. By doing this, you can see the differences between each insurance product more clearly, so you can more easily find an insurance product that suits your needs. 

As mentioned, Fortuna Xtra Protection from CIMB Niaga can be the right health insurance product. This insurance provides answers to your every concern. There are various kinds of packages that suit the stage of the customer's life. In addition, future planning will be more mature and protection for families will be maximized. 

Several Fortuna Xtra Protection packages that make it easy for you include health, spouse health, child health, child gift, retirement, and legacy packages. Find complete information here .