Table of contents:
- Preparation before hospitalization
- 1. Contact the insurance company
- 2. Prepare the essential items that need to be carried
- 3. Prepare for unexpected costs
- 4. Follow the applicable procedures
Nobody in this world wants to be sick. But when it happens to you and those closest to you so that you need hospitalization, it will definitely make you panic and confused. In order not to be confused, read this article first to find out what preparations you need to do before being hospitalized.
Preparation before hospitalization
1. Contact the insurance company
Before registering for hospitalization, you should first contact the health insurance consultant where you registered. They will explain the various things that you need to take care of and prepare. In addition, they will also tell you whether the maintenance costs are fully covered according to the agreement, or if there are other costs that you need to pay. So, try to dig deeper about the details of the health services that your insurance facilitates.
This way, you can find out for sure and discuss it directly.
2. Prepare the essential items that need to be carried
Before going to the hospital, you need to prepare the personal luggage needed. Make sure to bring all the necessities such as:
- Hospital membership card (if any).
- The personal identity of the patient and patient companion such as KTP, both original and photocopy.
- Original health insurance card and photocopy.
- Bring along medical records related to your current treatment, such as X-ray results, blood test results, and so on.
- Referral letter from previous health facility (if any).
- Medicines that are being consumed.
- Patient's personal equipment such as changing clothes and toiletries such as toothbrushes, towels and soap.
3. Prepare for unexpected costs
Even though you already have health insurance, preparing for unexpected costs is something that must be included in the preparation list. Sometimes there are certain things outside the insurance agreement that turn out to be necessary. This requires a fee that you need to prepare from your personal pocket.
For example, if you find that the room that matches the agreement on the policy is not available, you can choose whether you want to go up one level above or go down one level below it. If you want to upgrade, then you must be prepared to bear the rest of the room costs.
In addition, if you use government insurance facilities such as BPJS Kesehatan and need drugs that are outside the list that is being funded, then you also need to pay for them yourself.
4. Follow the applicable procedures
If you have insurance, you actually no longer have to worry about financing problems. However, there are several cases where private and government health insurance participants such as BPJS cannot claim treatment costs and have to bear the payments themselves due to wrong procedures.
This is usually caused by a lack of knowledge about the health insurance you have. Therefore, try to fully understand the money reimbursement claim procedure that applies to hospitalization and make sure to follow the bureaucratic flow correctly.
