Definition and Health Insurance Benefits

Definition and Health Insurance Benefits, Health Insurance : The payment for the excepted costs of

Definition and Health Insurance Benefits

a group resulting from medical utilization based on the excepted expense Incurred by the group.The payment can be based on community or experience rating (Jacobs P, 1997). 

In that definition, there are some keywords that characterize the concept of health insurance, covering :

• The existence of payments, the economic concept is understood as the transaction by issuing an amount of money, which is then referred to as premiums. 
• The existence of cost, must be paid for use of medical services or healthcare. 
• The existence of medical services, the attempt to get as a response to the occurrence of illness. 

Pain conditions, conditions which is something that is not definite (uncertainly), uncontrollable, and may rarely occur. But when it actually occurs can lead to catastrophic illness, the incidence of pain that can burden the family economy (Murti B, 2000).

Health Insurance Benefits, In addition to the general benefits to improve public access to health services, particularly useful in the case 

• Reducing the risk of uncertainty, pain is an uncertain event, so that one can not be sure when he was sick and how to determine the early action to treat the pain. This is especially a problem if it occurs in people who are low income or not fixed. Generally they are not at any time can be set up fee to get the treatment, as well as people who earn more. With the existence of the insurance risk can be reduced. 
• Changing risk individuals into risk groups, Insurance is a mechanism of mutual aid that is managed formally with the rights and obligations are clearly agreed. Form of cooperativeness is, within the insurance also known as risk sharing. Because the funds are used is the result of collection or polling, then the insurance is also referred to as a risk pooling mechanism. Funds collected from each population used for the common good. Insurance can also be called as a mechanism of joint grant because the grant funds collected from each population that will be used for the common good. Thus the dues or premiums have been paid from each member, definitely not a savings and therefore each member is not entitled to reclaim funds already paid, although he was never sick, so do not ever use those funds.

Hopefully with the Definition and Delivery of Health Insurance benefits can increase my knowledge as well as you can so it is more important to consider whether or not it requires a neighbor or health insurance.