Health insurance is probably the most important insurance to have. The costs of expensive health services will be very expensive if you’re not secured by insurance. Few people have had to sell assets to cover the cost of hospital care. You do not need to love than you have.
However, health insurance is a fairly complicated product to understand because of the variety offered by the insurance provider. Naturally, when it can be confused by it.
Health insurance in Indonesia is currently offered in public or private providers. Government through Askeskin (insurance for poor health) to ensure the health costs to a certain amount for the poor cardholders Askeskin. The government also guaranteed by the cost of government health PT.Askes by who paid the premiums due to PNS payroll.
If they are poor and not a government employee, you can purchase commercial insurance programs for many domestic and foreign private. In fact, PT Askes also offers programs of “voluntary participation” for employees in the private sector.
The commercial insurance may be purchased by individuals or groups (groups). Due to administrative considerations and risks of many products of health insurance can be acquired by the group, not individuals. Some types of costs of health care can be guaranteed by insurance:

Ambulatory
From insurance to cover outpatient doctors’ fees, diagnostic or laboratory, and medicine. The costs incurred are usually determined by the maximum limit for each component per visit per year and the highest frequency of visits in one year. The restrictions also apply to require a referral from a GP before visiting a specialist, or offers coverage only if they fit the health services performed by service providers (suppliers).
Insurance ambulatory are usually only for participants in group insurance and additional benefits for hospitalization insurance. (In other words, can not be purchased by individuals, and should be one with the Hospital Insurance).

Inpatient
The hospital insurance to cover the cost of hospital care in hospitals, including room charges, medical services, medicines, laboratory or diagnostic aid, surgery, etc.. Characterization of the hospital insurance is usually done in the classroom, for example, the lowest classroom (class III) for VIP or VVIP. For each class, there are maximum covered by insurance for the cost of the treatment room, the cost of medicine, surgery, etc.. Costs of surgery alone remain divided on the basis of a minor, mild or severe. For example, people who have insurance for hospitalization of Class III will have a maximum cost of major operations that far below the class participants VIP.

The hospital insurance may be purchased in groups or individually. Especially for individual insurance, we can choose the type of insurance reimbursement or compensation is. Insurance reimbursement (indemnity insurance) is insurance that provides replacement cost him spend according to your hospital bills. Security benefits (cash plan) provides income benefits in a certain amount for each day at the hospital, whatever the actual cost that we spend.

Maternity (maternity)
Childbirth insurance cover medical expenses during labor and usually only given to a group of women of childbearing age with a minimum number of members. When you are pregnant, are not registered as participants of the insurance benefit. Neither can lead to purchase individual insurance.
Security benefits to distinguish between the benefits of giving birth by Caesarean section and normal delivery. The maximum amount of expenses and depends on the amount of premiums paid.

Dental Insurance
The dental insurance that covers routine dental care and cosmetic surgery is not in nature.Characteristics of dental services as external insurance are sorted according to limit the cost of doctors, medicines and other services.

Safety glasses
Insurance costs glasses glasses, lenses and frames. In general, insurers limit the frequency of the renewal period of lens cover, a single goal, or just the image.