The Right Family Health Insurance For New Couples

The Right Family Health Insurance For New Couples – Getting married is a precious moment in life. For those of you who have just gotten married, or are planning a wedding, there is one thing you need to consider with your partner, namely: choosing the right insurance. When starting to build a household, perhaps family health insurance is not yet a top priority

Naturally, you will be encouraged to buy a house in advance, have a private vehicle, or even prepare for the arrival of the baby. However, when it comes to having insurance for the family, you think “We’re all in good health.”

Discussing insurance in the early days of marriage will give peace of mind for the future. Imagine if you or your partner got a critical illness to the point of no longer being able to work. That is, the source of income for the family is reduced. Moreover, if the situation occurs the main breadwinner does not have insurance. Can you imagine how much impact it will have on the family?

Choose Health Insurance or Critical Illness Insurance?

Which one needs to come first, health insurance or critical illness? Let’s check it out together.

1. Health Insurance

Health insurance is the first insurance instrument you need to have. Maybe you and your partner already had insurance before while still alone. However, when the pledge of living together has already been spoken, it means that you should start thinking about family health insurance as the top priority.

One of the reasons young couples delay having insurance is because they are waiting to have children first. In fact, one of the elements of family health insurance is the benefits of childbirth. Of course, insurance can ease the burden of hospital bills when the moment of childbirth comes.

According to the all doctor website, the cost of giving birth is normal in Indonesia ranging from Rp. 2 million to Rp. 15 million. Meanwhile, the cost of a cesarean delivery ranges from Rp. 11 million to Rp. 50 million. The cost varies depending on the host hospital, treatment class, medicines, and medical procedures performed during the delivery process. That is, you and your partner are encouraged to prepare an emergency fund of 20%-30% of the above-estimated cost of childbirth.

With a relatively low cost, family health insurance can provide a guarantee of care for the cost of childbirth. On MiUltimate Health Care insurance products from Manulife Indonesia, 

The insured will get benefits of up to RP 50 million for childbirth costs. As a result, the emergency fund you prepare can be allocated for other needs.

2. Critical Illness Insurance

Basically, critical illness insurance is part of family health insurance. But what sets it apart is that critical illness insurance provides much more specific additional benefits. This insurance covers dangerous diseases that require large costs, are fatal, and lead to the risk of death. 

Why is critical illness insurance important today? Consciously or not, the risk of critical illness or known as degenerative can lurk in anyone, including the productive age group. For example, vascular or cardiovascular narrowing diseases such the heart.

Based on basic health research (Riskesdas) data, the prevalence of heart disease in the age group of 25-34 years, reached 1.4%, while in the age group of 35-44 years reached 3.7% per 1,000 population.

Furthermore, still according to the same survey, at least 15 out of 1000 people or about 2,784,064 individuals in Indonesia suffer from this disease. Imagine, It’s just one disease. There are still other degenerative diseases with a fairly high prevalence rate, such as stroke and diabetes. 

What is worth realizing about the risk of critical illness is the health costs spent. Just so you know, the cost of bypass surgery or installing a heart ring can drain up to around Rp. 300 million in private hospitals. This disease tends to make the sufferer sick for a long time. It is not impossible, sufferers are no longer productive at work and eventually lose their jobs. 

That’s where critical illness insurance comes in. Broadly speaking, this type of insurance helps you and your partner avoid a financial downturn. He serves to provide replacement costs for the loss of income. 

Well, another insurance that can be considered is MiUltimate Critical Care from Manulife Indonesia. This insurance provides protection against at least 50 types of critical illnesses. The premium payment period is relatively short, which is five years, but you can get benefits for up to 20 years in the future.

The illustration is like this. Budi, 42 years old, has been paying MiUltimate Critical Care premiums for 3 years. In his fourth year, he was diagnosed by doctors with a recent stroke that limited his physical abilities. From the illustration above, what will Budi get? There are at least three scenarios. 

First, Budi will receive benefits in the form of 100% of the sum insured + 100% of the total premiums that have been paid. Second, if the stroke causes Budi meningeal to the world, the family will benefit by 160% of the total premium paid. Third, if Budi is healthy until the premium period expires, he still gets 160% of the total premium paid.

Tips Before Buying Family Insurance

So, if you and your partner are already planning to have the family health insurance that has been described above, let’s look at these three tips before buying.

1. Understand Medical History

It is customary to talk about your and your spouse’s medical history in the early days of marriage. This includes noting various unhealthy habits, such as smoking, junk food consumption, infrequent exercise, and others.

This is important so that you can calculate the emergency costs needed in the future. Do periodic medical check-ups to find out the risk of disease that will arise. Because most diseases come without having serious symptoms.

2. Seek Maximum Protection

It is necessary to look for family insurance with maximum protection. Some insurances, such as MiUltimate Healthcare, provide benefits to the Insured with an age limit of up to 110 years. This age is considered to exceed the average life expectancy of Indonesians which reaches 71.4 years.  

3. Pay According to Financial Condition

Family insurance, including critical illness insurance, is not cheap. Therefore, if you and your spouse plan to have this insurance, it is important to check the ability of the monthly budget to pay premiums. You can also pay for it on an annual basis. 

By having these two insurances for you and your partner, at least you have provided a sense of security in the family. It’s just a matter of how you realize the other plans that you and your partner want. Happy new life!

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