Understand the hospital cash insurance plan that offers many advantages

For those of you who want to apply for health insurance, you may hear the termhospital cash plan. Yes, a hospital cash plan is a program in insurance that is said to offer many benefits and advantages. Come on, understand what it is hospital cash plan and how it works in this article.

What is the type of insurancehospital cash plan?

In general, there are two ways health insurance claims can be made, namely hospital cash plan and hospital benefits.

Hospital cash plan is a type of insurance that covers hospitalization costs and any doctor's actions taken while being treated. Not only that, at some insurance providers, programs hospital cash plan also includes the cost of hospitalization in the ICU / ICCU room, surgery, and ambulance fees.

Choose insurance with hospital cash plan is a good thing, because the customer can make several claims for the cost of the treatment made.

How does this type of insurance workhospital cash plan?

Actually, different types of insurance hospital cash plan is a method of disbursement of funds carried out by customers.

Insurance fund disbursement system with hospital cash planisreimbursement, which means you have to pay for the hospital fees with your personal money first and then the insurance company will reimburse you.

You only need to make a copy of the hospital payment receipt and take it to the insurance company for the disbursement process.

Funds received fromhospital cash planvery useful for those of you who are hospitalized. Although the costs have been borne byhospital cash plan, You can still claim to other insurance companies such as BPJS.

Because this type of health insurance only requires a copy of proof of hospital payments for disbursement of funds.

The funds that are disbursed will be adjusted to the insurance policy agreement, whether the cost will be greater or less. The insurance company will provide a fee in accordance with the agreement. In other words, if the remaining funds are disbursed, then you can use them for other things.

Insurance benefitshospital cash plan

Here are some of the benefits of insurance hospital cash plan that you can get.

• As a complement to the insurance you already have, so as to be in case if you lack a ceiling for health costs.
• You still get additional funds to complete the costs, even though it has been paid for by another insurance company.
• Can be used as a substitute for reduced income due to hospital treatment costs. This type of insurance is perfect for someone who has a profession as a trader or entrepreneur.
• The sum insured according to the program chosen is still paid, even though the cost is below the sum insured.