Make customer insurance, more profitable claims reimbursed or Cashless?

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Public awareness of health is increasing year after year. This is evidenced by the increasing number of customers in health insurance products. As it is known, health insurance serves as a protection when a person suffers from illness and is forced to be hospitalized. Before having health insurance, there are a few things to note. From the number of premiums to pay, the period, age restriction, insurance company's credibility, to the claims imposed. When a person falls ill, he/she is entitled to submit a reimbursement claim to the insurer, both reimbursed and cashless claims. Which of these are the most profitable submissions? Find out the difference below.

1. The mechanism for filing claims by reimbursed and cashless customers is a method of filing a different insurance claim. For reimbursed, customers must skip step by step first. The process of filing is also quite difficult. After everything is OK, then the customer can benefit from the health insurance product in question. For cashless, it tends to be easy and fast. Customers only need to come to the clinic and present their membership card at the health insurance Company. After that, the hospital or clinic will check the validity of the card. Like a credit card, your membership card will be swiped to see if it's still active or not. 2. The payment mechanism offered both insurance claims also have a difference in the payment of hospital maintenance fees. For the reimbursed system, the customer must be willing to spend some money on maintenance costs first. Thereafter, he made a new claim to the insurer as the cost of replacing them coverage previously paid.

The claim process takes a little longer. For that, customers should be patient to wait. Unlike the cashless system, it is quite simple. Customers no longer need to spend some money on medical and maintenance costs. All fees will be billed to the insurance company. That way, customers do not have to bother to take care of fees to be paid. Although they are different, they still have similarities to their ceiling constraints. If the customer's ceiling limit is Rp 150 million, the cost of treatment should not exceed Rp 150 million. This fee is valid for the time period specified by the customer when registering in the Health Insurance Corporation.

3. How to claim the cost of coverage as described above, the reimbursed system uses the payment mechanism of the insured fee after the customer pays in advance. When submitting an insurance claim, the customer must collect all supporting documents during the treatment process. Start the patient's name, hospital name, administration fee, doctor's prescription, up to the examination notes. All these documents must be carried completely when submitting a claim. Unlike the cashless system, the customer does not spend a dime for the cost of coverage. That way, customers don't have to take care of anything. All costs are covered by the insurance company.

4. The number of premiums paid for the number of premiums paid is clearly seen if the system reimbursed much cheaper than the cashless system. Why? Because reimbursed a little more complicated, need to take care of documents in advance to get the cost of coverage. Another case with the cashless system, the customer no longer takes care of any documents. The system is also known to be simpler and more practical. If you do not like to be established with all the state and related to the hospital administration, choose health Insurance claim cashless.

5. Hospital choice cashless claims look profitable, but hospital options for claims reimbursed more profitable Because reimbursed has a more hospital offering amount than cashless. Hospitals with cashless systems are still somewhat slight. Some hospitals still love the payment system in advance rather than in the back. The reason is easier when recording hospital income costs. Know yourself that's the difference between reimbursed and cashless claims. The profit earned by each customer is the same because the insurance company sets the ceiling limit of the benefits in a certain amount. Before joining, identify yourself first. If you like the simple way, please choose a cashless claim. While you are fond of a little challenge, please choose a reimbursed claim.

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