how important it is for our health insurance and family?

Health is the most beautiful gift. When sick, you will not only experience physical pain, also sometimes undermine your finances. Especially when it comes to chronic diseases including cancer. What is the solution?One way to prepare for the cost of chronic treatment, is a health and life insurance. Health insurance, is a type of insurance product that specifically guarantee for health care or the care of the members of the insurance, if they fall ill or have an accident. Broadly speaking there are two types of treatments offered by insurance companies, the hospital (in-patient treatment) and outpatient care (out-patient treatment).Along popping variety of degenerative diseases, modern society began to realize the importance of health insurance. It is very necessary, considering the costs to cover the cost of treatment can reach hundreds of millions. Certainly not kecil.Seberapa large number of insurance companies cover customer claims that critical disease? "For critical illness such as cancer who entered stage one, it certainly can make a claim. Within 90 days of the policy in force, "said the insurance practitioner and consultant, Rosyefa Zein or often called Efa.But of course on the condition statement of the doctor or the medical records of the results of the biopsy were cancerous states. "Whatever type of cancer is definitely paid 100 percent. There are insurers who requested the results of a biopsy (removal of tissue for the presence of cancer cells). Biopsy is usually a benchmark payment of claims by insurance companies. However, there are also insurance that does not require biopsy results but still pays its claims. Insurance is only holding on doctor's statement, "said Efa.Still Minati First LayerGood insurance, according Efa can be seen from the credibility of the company. How big is the company and how the company's financial development? The insurance company is going to invest his money, so that investment returns can be distributed to customers, such as Takaful category.Meanwhile, from the prospective customer can also find out from any of the benefits. For example, in a saving to the premium of Rp 500,000, - Meng customers can benefit to cover 49 critical illness, accident, and disability. This differs from company B, with a premium of Rp 500,000, - benefits in only 20 critical illness cover. With the same premium, giving the company a $ 500 million, while B only Rp 200 million.When there is risk, a claim can be paid directly at the beginning. For example, his claim to $ 500 million. While new customers come in 6 months with a premium of $ 1 million / month. From where you can avail cash of $ 500 million? It was taken from tabarru funds, ie funds are helping each other when there is a claim, get paid right away. Insurance itself consists of two layers. The first layer is the insurance coverage hospital costs, hospitalization with a certain standard rooms as well as the cost of a doctor. And, second tier life insurance and assets."Well, life is usually spent an asset to hundreds of millions, even billions. Unfortunately, most people today only focus on the first layer. Actually it was fine. However dapengalaman many clients who have cancer, was forced to sell its assets, "said Efa."The cost of cancer treatment is enormous. Indeed, ordinary people generally take the first layer. And that urgent that second tier, for the soul. Because not only protects the soul, but also an asset. It must be protected for the sake of the family and even for the cost of children's education, "said Efa, again.