Information About Child Health Insurance and How To Choose It

One proof of parents' love for their children is to provide children's health insurance.

 

Because, who wants their child to be sick? However, if that happens, parents will be calmer because there is protection.

 

If you already have family health insurance, you can include your child in the same insurance policy. That way, you no longer need to buy two different insurance policies with similar benefits.

 

To make it easier for you, you can also compare the best and cheapest health insurance policies for children. Just fill out the form below and find the policy that suits you best!

 

The best children's health insurance recommendations

In Indonesia, there are many insurance companies that provide health insurance programs for children. Here are some recommendations.

 

 

Child health insurance from Prudential

Prudential provides health insurance for families which can also include coverage for children. Insurance policy name from Prudential is PRUPrime Healthcare.

 

The advantage of this insurance from Prudential is the coverage benefit that includes treatment in international hospitals.

 

Prudential health insurance for children is a rider or additional policy benefits from the main policy.

 

Children's health insurance from Cigna

Cigna offers family health insurance which also covers children. The name of the family insurance policy from Cigna is Cigna Family Care Optima.

 

This insurance is a family insurance with a premium for 4 family members, including children. The premium is quite affordable, starting from IDR 690 thousand per month for the whole family.

 

If you want to enter Cigna Family Care Optima insurance, the age of the child must be in the range of 6 months to 17 years.

 

Child health insurance from Allianz

Just like the previous recommendations, health insurance for children from Allianz is already included in the family health insurance package. The name of the policy is Allianz SmartHealth Maxi Violet.

 

Children who are members of family insurance must be at least 15 days old. The policy can be extended up to 70 years.

 

The coverage benefits obtained from Allianz health insurance premiums include hospitalization costs, ICU fees, doctor visits fees, surgery costs, and so on.

 

Child health insurance from BRI Life

BRI Life also provides family health insurance products that can be used to cover children in the family. This product is called BRI Life Simply HealthCare.

 

In BRI Life Simply HealthCare, you can register up to 4 family members. The main customer age limit is 21-65 years, while additional child customers must be 1-21 years old.

 

The premium price for BRI Life Simply HealthCare products starts from IDR 500 thousand per month for all family members.

 

Child health insurance from AXA Mandiri

There is also a choice of child health insurance that can be obtained from AXA Mandiri. AXA Mandiri presents family insurance products in the AXA Mandiri Smartcare Executive.

 

Price This insurance product starts from IDR 598 thousand per month for a maximum of 4 family members. AXA Mandiri health insurance has a waiting period of 30 days.

 

By using this insurance, you can enjoy benefits in the form of coverage for hospitalization costs, outpatient care, ambulance costs, and so on.

 

How to choose the best child health insurance

Seeing the difference between the needs of adults and children, you need to be even more selective when choosing child health insurance. Here's how to choose health insurance for children.

 

Insurance benefits according to children's needs

Ensure that the benefits provided for the child are in accordance with the needs for the child, such as immunization or vaccination, to maintenance of eye and dental health in addition to insurance coverage for outpatient and inpatient benefits.

 

Cashless claim system

Choose health insurance for children with a cashless payment system so you don't have to bother with the hospital reimbursement system.

 

Home network

network of partner hospitals on the health insurance to be selected. Make sure the selected insurance has a network of hospitals that provide special services for children.

 

Especially the network of maternal and child hospitals or RSIA in big cities, such as RSIA Jakarta, Bekasi, Bandung, Surabaya, and so on.

 

Facilities in the hospital network

Also pay attention to what the quality and facilities at the insurance partner hospital will be like. Check the availability of special facilities for children at the nearest selected hospital.

 

This is because the need for facilities for children is different from health facilities for adults. So, the facilities and services cannot be equated.

 

Health insurance premiums for children according to financial capacity

Make sure the selected premium is in accordance with financial capabilities. Prioritize getting hospitalized if you can't protect it until outpatient.

 

Differentiate between health insurance and children's education

Keep in mind that insurance and children's education are different from each other. Educational insurance focuses more on life and investment insurance.

 

While children's health is pure insurance that provides protection for children's health. Therefore, it is better to choose what you really need.

 

No need to take insurance with health benefits combined with life. Because this will reduce the benefits you receive but the premium is quite high.

 

If you really need money for your child's education, try to start saving now. Use the following monthly savings calculator to estimate the nominal savings each month to collect children's education costs.

 

Why do you need child health insurance?

There are several reasons why you need special insurance for children. Here are the reasons.

 

Your health insurance does not provide protection for children

This means that you have to look for health insurance that is suitable for your child. There are also those who provide protection for children with records of children aged more than 5 years. Less than that age, the child is not covered by the insurance.

 

One of them is protection from BPJS Health. Newborn children are not automatically covered by BPJS Kesehatan, you know.

 

BPJS usually only covers all actions related to the baby's mother. In fact, the treatment between general practitioners and pediatricians is very different.

 

That is why, children's health insurance is very necessary to cover all the needs of children, especially for examinations and treatment at special children's hospitals.

 

Health insurance for children provides protection that is specifically designed for children

This child's health insurance generally includes routine health checks, eye exams, and reimbursement of costs for immunizations.

 

There is child insurance which is calculated from the time the child is 5 months old from birth and there is also insurance that covers the time the child is born. How about health insurance for the child? Listen following.

 

Family health insurance can protect children

Not many people know that currently there is family health insurance that also provides protection for children.

 

The advantage is, you only need to have one insurance policy but protect the whole family. This product will usually protect three to five people in a family as evidenced by a family card.

 

The scope of protection also varies. Starting from outpatient care, inpatient care, compensation for hospitalization due to illness and accidents, and surgery compensation.

 

Well, the family health insurance premium is of course adjusted to the benefits that will be received.

 

Important criteria for child health insurance

Please note that adult health insurance is different from child health insurance. Likewise, if you have a family health insurance package, make sure that in the insurance policy there are special benefits for children.

 

The main difference between regular health insurance and children's health insurance The benefits obtained by the insured in this case are children of a certain age, including:

 

1. Outpatient and Inpatient
2. Vaccination/Immunization

Meanwhile, ordinary health insurance only covers outpatient and inpatient care as its basic benefits.

 

Even though children still need some mandatory immunizations to avoid certain risks of getting certain diseases when they grow up.

 

In addition, you can also look at the hospital network provided by insurance companies. Some cities now have special hospitals for mothers and children. Choose a hospital that suits your child's needs.

 

If you already have a particular pediatrician, make sure that the doctor is covered by the selected insurance policy.

 

Likewise with health services such as the NICU (Neonatal Intensive Care Unit), because not all hospitals have these facilities.

 

The NICU is a special treatment room in a hospital that is used for premature and newborn babies for treatment intensive care to prevent organ failure of the baby.

 

Because most children's health insurance is integrated with the family health insurance package, pay attention to the coverage benefits provided.

 

Usually, there is also a choice of maternity insurance which can be an additional policy or a rider. Not only beneficial for children's health, but also for prospective new parents.

 

Get to know the best child health insurance

As parents, we always want to give the best for our children, including insurance as a protection for children's health.

 

For parents who are confused about buying an insurance product that is suitable and considered the best, there are a number of criteria that can be a guideline for choosing it. Here are tips:

 

Choose an insurance company that has good performance

Of course we don't want the funds that we entrust to be managed by the insurance company to evaporate because of the company's internal problems.

 

In choosing an insurance company, make sure has been registered and supervised by the Financial Services Authority.

 

As is known, the OJK supervises the financial condition of insurance companies because there is an obligation to submit financial reports. Plus, the provisions for risk based capital or RBC are in accordance with OJK to ensure financial resilience.

 

You can check whether the insurance is registered and supervised by the OJK from the insurance company's official website.

 

Usually the insurance company includes this information or if you want to make sure directly, you can check it from the OJK official website.

 

Compare with other products

Like shopping for other essential needs, it is very important that we know or know about other insurance products.

 

This will help us adjust the protection needs for the child. It is not impossible, we get a product that is more fitting or suitable than the previous choice.

 

Choose insurance products not only from the amount of premiums offered, which are cheaper than other insurance company products. On the contrary, which provides a wider range of services.

 

Hospital network and benefits

This is important because it makes it easier for us as parents to reach health services when needed.

 

Of course, when children need health services, we want hospitals that are easy to reach from home and excellent service. This should be our consideration regarding access to the insurance products we have.

 

The benefits provided are also very important for us to know. This includes the medical facilities that our children receive, including the need for vaccinations or immunizations that are recommended to be received.

 

First determine the hospital network that you are going to then ask the insurance company if it is in the network. Also adjust the choice of the hospital with a practicing pediatrician.

 

Consider comprehensive protection

There are a number of insurance products that offer protection not only for children, but also provide protection his parents in this case the mother.

 

Usually the choice of child insurance products that offer comprehensive protection is divided into two types.

 

First, comprehensive protection for one unit, namely the mother since the child is still in the womb. The child will get protection from birth with the mother.

 

Second, comprehensive protection is provided from the time the child is born until the child receives education. So, all you have to do is adjust the insurance product you want.

 

Claims that can be made online

The current condition is with the convenience of technology, so claims do not need to come to the branch office of the insurance company.

 

It is enough via email, phone, or application and download important documents then you can make a claim.

 

Even so, the fast or long claim time also depends on us. Make sure the available documents are complete and meet the standards requested by the insurance company. That way, the claim process will also be faster.

 

How to choose insurance for baby

The presence of a child in a family certainly brings happiness. As parents, we always want the best for our children, from food, health, education to adequate facilities for the baby to grow perfectly.

 

From the various needs of a child, protection in the form of insurance is an important thing that parents need to prepare.

 

Very good even given from birth or in a baby condition. Why buy insurance as early as possible? Of course, because of the maximum benefits that will be received from birth to the conditions when needed.

 

Learn about the appropriate life insurance policy options

Life insurance policies can vary widely, but generally fall into two categories: term life insurance and whole life insurance, which is often referred to as whole life or universal insurance.

 

These options must first be studied in order to with the needs of the child. Consider carefully these options and calculate in detail the advantages and disadvantages.

 

Remember, insurance is a long-term commitment so it must be considered properly.

 

Prioritize the coverage of much-needed protection

Insurance agents do help us in choosing products. Usually insurance agents will calculate the cost of child care to education.

 

Then they will offer us to sell additional products that may not be needed.

 

In this condition, we must be observant and recognize the needs of the child. Don't get caught up in tempting offers from the agent!

 

Always remember that the purpose of buying insurance is not buying then being interested in protection that is only complementary.

 

Include accident insurance coverage

A toddler is more prone to accidents when they first try to crawl or walk. Even under the strict supervision of an adult, the child still has the potential to fall in serious injuries may result in bodily injury that requires outpatient medical care. In addition, children are also more susceptible to infectious diseases, such as hand, food, and oral diseases.

 

The coverage benefits for a personal accident policy are worth considering purchasing. Because during the process of child care, it is possible for accidents to occur.

 

Therefore, to prevent the risk of financial financial rocking, child protection is needed.

 

Check health insurance from the office

If one of the parents works and is provided with health facilities in the form of insurance from the office, you as a parent need to consider the choice of baby insurance that you want to buy.

 

If you want to buy rider insurance or additional benefits beyond the health insurance provided by the office, consider the following:

 

Buy long-term baby insurance, meaning it doesn't cover the child's future conditions. For example, buying baby insurance which is actually allocated for education. The amount of premium to be paid. Ideally, the earlier the purchase of insurance, the cheaper the premium purchased. So, carefully calculate the amount of premium that must be paid later. It is best to purchase health insurance for children about a month after they are born, after the birth certificate is obtained.

 

Choose a complete benefit

In the early years of a child, the condition is actually considered a critical period. Parents are also required to give extra attention to the health care of their children.

 

Well, these treatments generally require a lot of money. For example, the costs incurred for vaccinations, medicines, and others.

 

Therefore, if you are looking for separate insurance for your child, be sure to choose a plan that offers coverage for maximum infant health care needs, such as immunizations and child safety.

 

Those are some things you need to know about insurance for children. You can consider best based on the benefits provided and the needs of the child himself.

 

Choosing child health insurance can not be arbitrary. You also have to adapt it to the needs of your little one.

 

Do not just choose an expensive one, but make sure the benefits can be obtained to the maximum. It is better to allocate the funds for other things, such as children's education funds.

 

Questions about child health insurance

What are some tips for choosing the best child health insurance?

Here are some tips for choosing the best child health insurance:

• Choose an insurance company that has good performance
• Compare with other products
• Hospital network and benefits
• Consider comprehensive protection
• Claims that can be made online.

What is the importance of child health insurance?

Not only adults, children also need health insurance. The risk of disease not only affects adults, but also children. Even children are considered more susceptible to various diseases because immune system is considered imperfect.