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What is the definition of health insurance? Taken from www.answers.com, the definition of
health insurance is a system for the advance financing of medical expenses through contributions or
taxes paid into a common fund to pay for all or part of health services specified in an insurance policy
or law. Nowadays, there are quite many health insurance companies in Indonesia such as PT Askes
Indonesia, PT Jamsostek, Prudential, Bumi Putera, etc which we can use to support our life.
Many questions have been appearing in the society whether the health insurance is useful or
not. Consider the cost of not having health insurance if you are involved in an accident on your way to
work, or contract a serious illness, you have to pay the hospital bills from your own pocket. The facts
about how high and unaffordable hospital fees force us to have health insurance. Why do we need it?
Well, human life full of uncertain things, and since we all have our limitation as human being and
blank about our future, insurance will help us to cover our needs on some particular things such as
cover our financial things and material stuff. It is actually the same as saving money for rainy days.
And I think if you want to have insurance for you and your family it is good to find all in one package,
as insurance also as savings, means at one time (let say 10 years ahead) you can take the money on
your insurance package because it is part of your saving without losing your insurance money.
Let¶s say that we don¶t really need health insurance because we think that health insurance is
not really useful then suddenly we involve in an accident. We will be brought to the hospital and we
have to have an internal head surgery, which cost a hell lot of money. Do we have money that much at
that time or what about if we don¶t have much money? We would not pay that such a lot of money if
we had health insurance.
Some people disagree about having health insurance because they think that they spend a lot of
money on health insurance but they¶ll not get the money unless they get sick or until it reaches certain
times. It really gives advantages to the health insurance company because the company can invest the
money for other businesses so that the company can get some profits from it instead of just keeping the
money until the money is needed by us. Therefore, it seems like health insurance is a pure business to
get some profits.
In my opinion, it doesn¶t matter whether the health insurance company only look for some
profits from us but health insurance is really needed by us especially if we get a sudden accident. And
we can use health insurance as our future savings, can¶t we?