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Life is filled with various risks that can strike, such as falling ill to having an accident that causes someone to be hospitalized. This is certainly a nightmare for everyone. However, these risks cannot be avoided or predicted. That is why the role of protection or protection is very important to have in order to protect yourself from unexpected things, including for company employees. Protection is needed to reduce financial worries or hospitalization costs which are not cheap when you need medical treatment, one of which is group health insurance.
Hospital costs in Indonesia tend to continue to increase in numbers from year to year. In fact, the Ministry of Health noted that health costs in Indonesia have always increased quite a lot when compared to neighboring countries such as Malaysia and Singapore, which is 12.6% each year. This is a strong reason for everyone to have insurance so they are not burdened by hospitalization costs when conditions force you to undergo hospitalization.
The important role of insurance as protection in life has not been fully realized by everyone. Some people are still ignorant of the importance of insurance and assume they can pay for treatment and hospitalization using their own money. Even though the cost of hospitalization for just three days can cost up to millions of rupiah. Not to mention, there are several unexpected costs outside of hospitalization costs that must be met. These unforeseen costs include:
Cost of Patient Needs Not Provided by the Hospital
When undergoing hospitalization or hospitalization, the hospital does not provide all the patient’s needs, such as food needs. The hospital does provide food for its patients, but often in some cases, patients do not match the food provided by the hospital. So they have to buy their own food outside the hospital. Even though it looks small when compared to the cost of hospitalization, the patient’s needs that cannot be provided by the hospital are also quite costly.
Room Upgrade Fee
Some patients often ask for room upgrades used during the hospitalization period. Room upgrades are usually done so that patients and their families can get comfort while undergoing hospitalization. If you already have insurance, the price for the room upgrade will depend on the insurance policy you have and the type of room class you choose. Even so, room upgrades will still cost quite a lot if patients are treated for a long time.
Consumption and Transportation Costs for Caring Families
When undergoing hospitalization, a patient will certainly be accompanied by a family member. This causes expenses to be budgeted for, such as consumption and transportation costs for family members who accompany them during hospitalization. These incidental costs must be calculated carefully because the amount can be quite large. In addition, the longer the hospitalization period, the greater the budget required for accompanying family members.
Additional Expenses for Family Members Left at Home
If a family member has to be hospitalized, then there will definitely be some neglected household matters. In order to overcome this, of course there will be additional costs that must be incurred. Some of these unexpected costs can include house cleaning fees, babysitting fees, consumption costs, and several other costs.
The solution needed to minimize the problem of unexpected costs other than hospitalization costs while undergoing hospitalization is to have health insurance with the best service. As an insurance company that understands your needs, Great Eastern Life Indonesia has a variety of health insurance products that can help ease your burden when you have to be hospitalized.
With insurance from us, you no longer have to worry about the financial risks that may occur when you are hospitalized. So, you can focus on the healing process so you can gather with your beloved family and carry out activities as usual.
At Great Eastern Life Indonesia, we understand that everyone’s needs are different. Therefore, Great Eastern Life Indonesia also provides a variety of other insurance products that will be your protection solution against life risks that may occur in the future. With Great Eastern Life Indonesia, you can find and choose a variety of insurance products that suit your needs and abilities. Find various alternative solutions to protect your family and guarantee the important things in life at Great Eastern Life Indonesia.