Parents naturally want the best for their baby. Not only giving love, affection, attention and good education but also preparing a plan or preparation for their future lives. One way to prepare for their future is to provide insurance. The most talked about insurance for children is education. However, in this article, education insurance is not a topic discussed but other insurance is called child health insurance. Here are some tips for choosing the best insurance for your baby's health.
Apply for insurance when your baby is still healthy
Choose child health insurance when your baby is still in good health. This is because when the recipient of the policy is healthy, the insurance institution will receive the insurance application that you submit. This is because insurance institutions are institutions that are engaged in profit. If the recipient of the insurance is sick, then it is likely that the money the institution will spend is greater than the money you pay. This is what explains why insurance institutions are not a social institution. Moreover, there is a provision called pre-existing condition — or conditions before applying for insurance. In this provision, you must write down the illness that has been suffered by your baby. Some insurance institutions will not cover the illnesses that have been suffered by policyholders.
Apply for insurance as early as possible
Submitting child health insurance as early as possible will ease the burden you pay. This is due to the trust in insurance institutions that the more they age, the more the risk of illness will increase. So it's not surprising that the older you get, the higher the premium you have to pay. Thus, you as parents are better off submitting your health insurance as early as possible.
Pay attention to premium prices and facilities offered
Choosing good child health insurance is to first review the insurance you take, price and facilities. This is so that you do not get caught up in the offer or lure of cheap premiums. You also should not be fooled by facilities that look attractive as in the form of a cash plan . You must make sure before buying. There are no cheap premiums but you get luxurious facilities. Usually, expensive premiums provide more complete and good facilities for you. You need to compare the advantages and disadvantages of each insurance and weigh the best. Moreover, you need to pay attention to the financial capabilities that you have.
Focus on needs and abilities
The need meant here is the need for your insurance plan. For children usually insurance that covers hospitalization, vaccination and outpatient care. Therefore, adjust the insurance that you take according to your needs. Bid with luxury facilities but too much will burden you financially. The ability referred to in this article is your ability to pay both premiums and prices that are not covered by insurance. If you are only able to get second class, of course you better choose the type of insurance that is just second class insurance. Don't choose VIP class insurance that will harm yourself. Therefore understanding and focus on needs and abilities is very important to note inchoose health insurance for your baby.