Health insurance for employee

Health insurance has been determined by the company

Usually companies have implemented health insurance for their employees. The evident terms of the employees healthy will reduces the coincidences for work that does not enter due to illness or a variety of things related to health. With the health prime condition,
productivity per employee is expected to be well protected, and all that empty to the effectiveness and increase work efficiency and productivity of the company.

The importance of employee health aspect is the reason it is important for companies in sponsoring insurance scheme them.
Besides for health, the health insurance facilities are available on the company is also one of the attraction for the human resources (HR) to maintain a high quality company to join in it. Thus, companies can still operate and achieve various goals set quality human resources through support to the level that can be awake Retention well.

Care Options for Employees

Indemnity Plans are a form of health insurance program that is included in the category fee for service plans. Health insurance program to provide this type of freedom to employees to choose a visit to the clinic doctors and hospitals included in the list provided by the insurance company.
Flexibility is one benefit of insurance products Indemnity Plans. When an employee must treatment for the restoration of health in the hospital, for example, insurance companies will pay cost to the employee after the treatment finished. On one condition, the employee asked to pay costs treatment first. Furthermore, the insurance company will replaces the cost of treatment in accordance provision of insurance and benefits that worker rights are concerned.



In the other condition, the employee does not need to pay all costs in the hospital first. Here, the insurance company will pay the cost of care and treatment according to the requirements and benefits insurance which is the right employees. Generally, Indemnity Plans implement two provisions of the payment cost treatment of employee deductible and co-payment or co-insurance.

Terms of deductible that employee are also required to bear their own small part of the cost and cost of health care concerned. What about the factors co-payment or co-insurance? Scheme This set the cost of health care in the hospital by the employee as Insured. When the health insurance program to apply the scale co-insurance with composition 90/10, for example, means that the insurance company will bear 90% of the total cost, while employees will bear the rest of total costs (10%).

Generally, Indemnity Plans insurance program offers three benefits, namely health (1) benefits of home care sick (hospital cash benefit plan), (2) the benefits of treatment with surgery surgical expense benefit), and (3) benefits of treatment by a doctor (physician benefit expenses).