In order to meet the diverse needs of the community, health insurance is grouped into several types depending on the needs and benefits of each. The following is an explanation of the types of services in health insurance:
1. Type of Treatment
- Inpatient Care: services that cover the costs of care and treatment when patients have to stay in the hospital.
- Outpatient Care: this service only covers the costs of doctor consultations, medication purchases, or minor therapies without the need for hospitalization. Outpatient care is often used for routine health checkups or treatment of minor illnesses.
2. Type of Provider
- Domestic Insurance: the provider of this program acts as a social security provider in the health sector, which is a government program. This program is mandatory and aims to reach all levels of society so that they can have access to health services.
- Private Insurance: health protection services from insurance companies that provide better and more flexible benefits than domestic insurance. Private insurance usually offers much more convenient benefits and facilities and high-quality treatment.
3. Based on the Insured Party
- Personal: a health insurance policy owned by an individual that protects one person. This policy is suitable for those who are single or do not have family dependents.
- Collective or Group: health insurance policies that protect more than one person, such as families or employees in a company. Group health insurance offers more economical benefits compared to individual policies.
Those are the 3 types of health insurance you need to know before purchasing your own health insurance.
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