No
one can predict when or what disease will strike in the future. Even the risk
of disease will still exist, and can come at any time even though the person
has adopted a healthy lifestyle.

It'sno secret that the cost of treating the disease is not cheap. For yourinformation, according to data from Mercer Marsh Benefits in 2019, it ispredicted that Indonesia will have inflation or an increase in medical costs ofup to 11 percent each year.

Withthis increase in medical costs, maintaining health and preparing for thepossibility of suffering from a critical illness in the future is a veryimportant step.

So,what are the most common examples of critical illness?

 

Types of Critical Illness

Before we discuss further about critical illness insurance,it's good for us to first identify what is included in the critical illness?

Accordingto Research and Basic Health data (Riskesdas 2018). There are several types ofcritical illness, including:

1. Stroke

Astroke occurs when there is a disruption in the blood supply to the brain.Launching an article on the Hellosehat website, it was stated that the cost ofstroke treatment could reach around Rp. 150 million to Rp. 450 million.

2. Cancer

Thesecond critical illness that causes the highest mortality is cancer. Cancer isactually another term for malignant tumors in several parts of the body, whichcan affect all people and all age groups.

Cancertreatment costs are also not cheap. According to the Director of the JakartaDharmais Cancer Hospital, the cost of treating cancer patients must undergovarious series of treatments such as chemotherapy, immunotherapy, to surgery.In addition, patients must receive support from supporting facilities such asCT scans and blood transfusions, which in total can cost up to IDR 300 million.

3. Diabetes

Diabetesis a type of chronic metabolic disease caused by reduced effectiveness ofinsulin. If injured, diabetic patients are also difficult to heal, so notinfrequently, they have to undergo an amputation process which costs up toaround Rp. 150 million.

4. Heart

Disordersof heart disease are quite diverse, ranging from disorders of blood vessels,rhythms, valves and others. The cost of heart treatment also varies, but whatis clear is that it can reach around Rp. 250 million.

5. Other Critical Illnesses

Ofcourse, there are still some critical illnesses besides the four diseases abovethat we must be aware of. Several other critical illnesses are kidney failure,acute nervous disorders, hepatitis, meningitis, to HIV/Aids.

Justimagine, when someone is exposed to a critical illness, there will be somerisks that arise in the future. The two greatest risks of this disease are theinability to earn a living and death.

Whatwould happen if the breadwinner contracted this disease when he was stillproductive? Of course, the family will be burdened financially.

Therefore, having critical illness insurance becomea necessity, to complete Health Insurance.Critical illness insurance will protect us from financial losses due to thecost of treating this disease.

Whatare the criteria for good critical illness insurance? How do we chooseinsurance so that it is right for us? Let's see the explanation below here.

 

Criteria that need to be considered from criticalillness insurance

1. Broad Protection Coverage

Agood critical illness insurance should have a fairly broad coverage ofprotection. The more types of critical illness that are covered by protection,this shows the more complete protection that can be provided by the insurance.

Everyonehas a different medical history. Therefore, the threat of critical illness thatwe experience cannot be equated. It is very important to recognize the types ofcritical illness that are included in the coverage of an insurance protection.

2. Benefits of Death

Withouta death benefit, of course a critical illness insurance can be said to beincomplete. This benefit will be very useful for the bereaved family, so that theycan continue to live properly.

Whena family head is not covered by this insurance and dies due to a criticalillness, it is very likely that the emergency funds will be used to pay formedical expenses during illness, to sell assets to pay for these costs.

Afterthat, the families left behind will lose their income and assets, andeventually their standard of living will drop. What if the family in questionstill has debts? Their financial burden will certainly feel very heavy.

3. Easy Claim Process

Agood insurance claim process, of course, must be easy and not long-winded. Whenthe claim documents are complete, within a certain period of time, the suminsured will reach the Insured's family.

 

Tips for Choosing Critical Illness Insurance

Choosingthis insurance certainly can not be arbitrary. What happens if we choose thewrong insurance? Our finances can obviously be disrupted because we continue topay premiums but the protection from insurance is not appropriate.

Hereare tips for choosing critical illness insurance that you should know.

1. Know Yourself and Inherited Diseases

Thefirst step, of course, is to identify yourself and know the history of thedisease or hereditary disease. Hereditary disease is actually a disease that ispassed from one or both parents to their children.

Everyonecertainly wants to have a healthy body, but this hereditary disease isgenerally difficult to avoid and can attack us in the future. In addition tohereditary diseases, also know our health history well. So that we canunderstand the risks to our health in the future.

2. Adjust Premiums With Income

Themore protection coverage we take in a critical illness insurance, the greaterthe premium that must be paid. Remember the first point above, know yourselfand also identify hereditary diseases and other diseases that have thepotential to attack us in the future and adjust which needs can be covered withour income.

3. Choose Trusted

Nota few insurance companies that offer products that are quite tempting with lowpremiums. But are you sure it's the right product for your needs?

Choosingcritical illness insurance must be selective. For example, MiUltimate CriticalCare from Manulife. This insurance provides protection against 50 types ofcritical illness, ranging from cancer, stroke, kidney failure, Alzheimer's,heart, to HIV. MiUltimate Critical Care will also provide benefits to theInsured of 160% of the total premium paid (in addition to additional premiums)as well as a death benefit.

Thesum insured provided by MiUltimate Critical Care starts from IDR 200 million.Meanwhile, the method of paying premiums is also flexible, it can be donemonthly, quarterly, semester or yearly.

Thoseare the things you should know about this insurance. In essence, a healthy bodyis everyone's dream, but we must have financial health.

Critical illness can rob our family of stability inthe future. So, one of the most effective ways to protect our finances in thefuture is to have critical illness protection.