There are Two Types of Health Insurance

There are two types of Health Insurance:

1. Hospital Cash Plan

2. Hospital Benefit

Apart from the use of words but more important meaning, for the first:

* Does not require the original receipt, can be a photocopy of the hospital dilegalisir
* Usually replaced only the cost of a room per day, good for a room or ICU (Intensive Care Unit). There is also a replacement for the operation which is already determined.
* Replacement cost does not depend on the receipt but it's Inpatient per day or per-incident operating taken appropriate policy
* Reimburse a replacement system, so new customers pay first and then claim to insurance companies
* Premium is relatively cheaper due to the replacement value of the small

Both are:

* Required original receipt. 2 If you have health insurance who need the original receipt, procedures are used to specify the first time you claim to be an insurance company which, if not then claim the value sufficient to pay the hospital then you can ask the rest of the original receipt for the payment to the insurance company claimed the second. Likewise if you have 3 or more health insurance
* Includes the cost of the change rooms, a general physician, specialist doctors, medicines, operating costs (if any), all are paid according to a receipt in accordance with a maximum ceiling that we take in the policy
* Claims the system is usually directly in the hospital, does not need to reimburse. For example, hospital charges Rp 10jt you from the ceiling while the insurance total only Rp 8jt, then you immediately pay the remaining Rp 2jt is in the hospital. This can happen only in the hospital's insurance company partners that you take.
* Premium higher

Beyond that there is also, insurance premiums that we give money back 100% if no claim is sick, it can be categorized hospital cash plan.

Articles in the capture of: http://asuransiku.wordpress.com/2008/06/02/2-macam-asuransi-kesehatan/