Differences Between Health and Oona Critical Illness Insurance

Understanding Health Insurance

Health insurance provides financial protection by reimbursing medical expenses for policyholders facing health issues. It covers various medical costs such as hospital stays, doctor consultations, medications, and other medical procedures. For example, if you have health insurance and need surgery, your insurance company will cover part or all of the surgery costs, depending on your policy terms.

Health insurance typically includes coverage for common illnesses, accidents, and even preventive care like vaccinations and routine check-ups.

For critical illness, you can claim concurrently with health insurance

Understanding Critical Illness Insurance

Critical illness insurance provides financial benefits if the policyholder is diagnosed with a listed critical illness. These usually include serious conditions like cancer, heart attack, and stroke. For instance, if you have critical illness insurance and are diagnosed with cancer, you will receive a lump sum payment that can be used for various needs like debt repayment or daily living expenses.

Benefits of Oona Critical Illness Insurance

• Lump Sum Payment: Provides a one-time payment after a critical illness diagnosis.
  
  
• Flexible Use of Funds: The received money can be used for any purpose.
  
  
• Additional Protection: Offers an extra layer of protection not provided by standard health insurance.

Comparison of Health Insurance and Critical Illness Insurance

To understand the differences between health insurance and critical illness insurance, let's examine some key aspects:

• Purpose of Coverage:
  

  • Health Insurance: Covers general medical expenses.
    
  • Critical Illness Insurance: Provides financial support for specific critical illnesses.
     

• Payment Method:

  • Health Insurance: Pays medical costs directly to healthcare providers.

  • Critical Illness Insurance: Gives a lump sum to the policyholder after diagnosis.

     

• Types of Illnesses Covered:

  • Health Insurance: Covers a range of common illnesses and medical conditions.

  • Critical Illness Insurance: Covers only listed critical illnesses.
     

• Flexibility in Fund Usage:

  • Health Insurance: Funds are used for specific medical expenses.

  • Critical Illness Insurance: Funds can be used for any purpose.
     

• Limitations and Exclusions:

  • Health Insurance: Has claim limits and may exclude some medical conditions.

  • Critical Illness Insurance: Has a waiting period and only covers specific critical illnesses.

Why It's Important to Have Both Types of Insurance

In today's uncertain world, having adequate financial protection is crucial. Health insurance and critical illness insurance offer different but complementary benefits. Health insurance helps cover everyday medical expenses and preventive care, while critical illness insurance provides additional financial support for serious diseases.

Although health insurance offers broad coverage, the costs associated with critical illnesses can be very high and may require extra financial assistance. Therefore, having both types of insurance can provide greater financial security and peace of mind.

The premium for Critical Illness is cheaper as it is a benefit policy. Even with a BPJS coverage, user can still purchase a Critical Illness cover from Oona.

Why Choose Critical Illness Insurance from Oona Insurance

Oona Insurance offers numerous advantages in our critical illness insurance products. A key reason to choose Oona Insurance is our commitment to excellent customer service and ease of claims. With Oona Insurance, you get comprehensive and reliable financial protection when you need it most. 

Conclusion

Health insurance and critical illness insurance are two different but important forms of financial protection. Understanding the differences between them can help you make better decisions in planning your financial protection.

Health insurance provides broad coverage for various medical costs, while critical illness insurance offers a lump sum payment. By having both, you can ensure comprehensive protection against various health risks you might face.

Don't wait until it's too late. Get critical illness insurance from Oona Insurance now. Visit our website at myoona.id for more information and to get a customized quote.