6 Incorrect Assumptions About Health Insurance Needs To Be Corrected

Health insurance is one health insurance facility that is worthy of consideration for everyone. Even so, there are still many people hesitant to make it because it is preoccupied with a number of insurance myths that are actually misguided. In fact, insurance can be a good investment for your future.

So if you are thinking about making insurance, let's align your understanding first by reading this article!

This insurance myth is wrong, but many people still believe it

1. Healthy people don't need insurance

There is no need to wait for pain to make insurance. In fact, no one knows when and how ill will approach. Diseases or other unexpected events, such as traffic accidents or workplace accidents, can happen to anyone and at any time.

Without insurance support, you can sink into a medical care bill that doesn't play big. Hospital bills in fact are the biggest cause of bankruptcy. Health insurance can be a lifesaver when you really need it.

2. Insurance only for hospitalization costs

Other insurance myths that are still often circulating in the community are limited services to cover the cost of hospitalization alias hospitalization. Even though this is not the case. You can also claim outpatient fees with insurance. Claims for reimbursement of insurance include the cost of redeeming drugs, as well as surgery and recovery after surgery.

However, this does not mean that all medical expenses will be covered by insurance. All returns will depend on the conditions of your insurance company and the amount of premium that has been approved and stated on your policy.

3. Health insurance is the same as saving

Many people think that premiums paid regularly every month can be taken at any time needed, such as withdrawing money from a savings account at an ATM. This is a big mistake.

The money you "deposit" into insurance acts as a guarantee that cannot be contested, just in case you know later you will encounter unexpected situations or conditions.

Your account savings may not be able to cover all medical expenses. However, insurance can. Even though you just registered insurance yesterday and today need treatment, direct medical expenses can be claimed.

4. Save on paying taxes with health insurance

This is a health insurance myth that is wrong because it is only understood as a matter of course. The Government Regulation (PP) No. 131 of 2000 does state that every health insurance holder will be deducted by a final income tax (PPh) of 15 percent. But this only applies until 2015.

After 2015 until now, the PP no longer applies to insurance products. Now, the final PPh deduction is only imposed on the deposit or savings interest deposited in the bank. The difference between the interest on savings received and the premium paid is no longer tax deductible. This view is often regarded as saving tax payments.

The main purpose of health insurance is to protect the health of you and your family and to prepare finances in sudden conditions. Insurance is not an investment product.

5. Only income family members need insurance

This is another misunderstanding of health insurance. many people think that health insurance is only needed for income-earning family members.

Health insurance needs to be owned by every family member. Health insurance can be in the form of individuals or groups. You can register health insurance for your family.

6. Health insurance covers accident insurance

Not all health insurance covers accident insurance. Therefore, you must really understand the advantages or disadvantages of health insurance that you will choose.

Health insurance is different from accident insurance that provides sum insured in case of death and material compensation when an accident occurs. Meanwhile, health insurance compensation will be provided depending on the type of insurance product and your ceiling.

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