Pentingnya Melindungi Keluarga dengan Asuransi Kesehatan ~ Akademi Asuransi

Pentingnya Melindungi Keluarga dengan Asuransi Kesehatan

REPUBLIKA.CO.ID, Oleh Erik Purnama Putra/Wartawan Republika

Masih banyak orang yang belum mengikuti program asuransi kesehatan. Padahal, sangat banyak manfaat yang didapat dengan ikut asuransi. Misalnya saja, jika suatu waktu kita atau orang terdekat dalam keluarga mengalami hal buruk, setidaknya tidak perlu dipusingkan dengan biaya perawatan selama di rumah sakit.

Pasalnya, perusahaan asuransi sudah siap menanggung segala bentuk pengobatan dan klaim medis yang dibutuhkan. Tentu saja, semuanya harus mengikuti perjanjian tertulis dan syarat yang berlaku ketika mendaftar program asuransi.

Sayangnya masih sedikit orang yang paham dengan manfaat ikut asuransi. Direktur Pengaturan Penelitian dan Pengembangan, Industri Keuangan Non Bank OJK, Yusman  mengatakan, jumlah pemilik polis asuransi di negeri ini tidak lebih dua persen dari total 250 juta penduduk. Meski begitu, dalam waktu lima tahun terakhir, industri asuransi tumbuh sebesar 23 persen.

Dapat dikatakan, asuransi adalah jaring pengaman bagi seseorang untuk terhindar dari kerugian. Sebagai manusia, kita tentu tidak bisa menghindari datangnya sakit dan kematian. Dua hal itu dipastikan bakal menghampiri semua orang dengan intensitas dan waktu yang berbeda. Hanya saja, kita bisa membuat proteksi agar tidak sampai terbebani ketika mengalami dua ‘kenikmatan’ tersebut.

Hal itu mengingat, ketika kita sakit atau mengalami gangguan sudah ditanggung pihak asuransi. Dengan kata lain, segala risiko yang harusnya ditanggung seseorang atau keluarga sudah berpindah menjadi beban perusahaan asuransi. Mereka siap memberikan jaminan perlindungan kesehatan dan kematian. Tujuannya agar ketika kita mengalami dua hal itu maka tidak perlu harus merugikan orang lain.

Meski sebagian kalangan menganggap sakit dan kematian merupakan ujian Tuhan, namun sebagai manusia tidak ada salahnya untuk berusaha. Upaya maksimal yang dilakukan adalah dengan memberikan proteksi kepada orang terdekat atau keluarga kita. Harap diingat, perlindungan ini sifatnya positif demi menekan pengeluaran yang bisa mengguncang finansial rumah tangga.

Mudah dijumpai, ada masyarakat yang saat salah satu anggota keluarganya sakit atau meninggal, mereka harus pontang-panting mencari pinjaman. Hal itu jelas sangat memberatkan. Di tengah duka yang sedang dialami, pikiran mereka justru tersita untuk mencari pinjaman. Beban itu jelas sangat berat apabila dialami seseorang yang tidak mengikuti program asuransi.

Iya kalau pinjaman didapat, permasalahan bisa berakhir. Kalau tidak berhasil, orang yang terdesak pasti melakukan apa saja untuk bisa mendapatkan pinjaman. Alhasil, meminjam ke rentenir akhirnya menjadi jalan terakhir yang ditempuh. Meski memberatkan, hal itu tetap dilakukan demi menutupi kebutuhan mendesak saat itu juga. Tentu kita tidak mau mengalami kejadian buruk seperti itu.

Melindungi keluarga
Jika mengacu pada tidak ada satu keluarga pun yang bebas dari risiko ancaman penyakit atau kematian, kita tentu harus bijak. Mengapa? Manusia yang sukses itu bukan mereka yang cerdas atau pintar. Mereka yang bisa bertahan dengan situasi buruk adalah orang yang responsif terhadap ancaman dan perubahan.

Kita harus selalu ingat ajaran orang tua yang bersumber dari agama tentang ‘ingat sehatmu sebelum sakitmu’. Pesan ini jelas memiliki makna mendalam. Setiap manusia dituntut untuk bijak dalam menghadapi perubahan kondisi tubuh. Karena itu, perlu diingatkan agar setiap orang tidak hanya ingat ketika sehat saja, tapi harus siap ketika sakit menyergap. Syukur-syukur mereka siap ketika keluarganya menghadapi hal lebih buruk.

Menurut survei Global Medical Trends Report dari Towers Watson pada 2012, rata-rata biaya pengobatan di Indonesia dari 2009 sampai 2011 terus meningkat dari 10,70 persen menjadi 13,55 persen per tahun. Pada periode yang sama, rata-rata kenaikan pendapatan orang Indonesia hanya 1,2 persen. Data tersebut berdasarkan laporan Badan Pusat Statistik (BPS) periode 2011-2012.

Atas dasar itu, setiap orang dalam sebuah keluarga ketika mengalami gangguan kesehatan atau bahkan kematian dijamin bakal mengeluarkan biaya lebih. Tarif biaya pengobatan yang dikeluarkan pasti cukup menguras kantong. Hal itu lantaran laju pendapatan kalah jauh daripada kenaikan biaya untuk berobat dan konsultasi. Apabila keadaannya sampai menjalani rawat inap, beban yang ditanggung sungguh berat.

Salah satu layanan yang patut dicoba masyarakat adalah Sun Medical Executive (Sun MED). Tidak ada salahnya bagi kita untuk mendaftarkan keluarga mengikuti asuransi ini. Sebagai salah satu produk PT Sun Life Financial Indonesia, program Sun MED diluncurkan untuk memberikan perlindungan terbaru bagi masyarakat. Pasalnya, program tersebut mampu menjawab kebutuhan nasabah untuk melindungi dirinya dari biaya rumah sakit yang tidak terduga.

Presiden Direktur PT Sun Life Financial Indonesia, Bert Paterson mengatakan, Sun MED merupakan pilihan tepat untuk perlindungan kesehatan dan juga mendukung perencanaan keuangan individu dan keluarga. Fitur yang terdapat dalam Sun MED memungkinkan nasabah untuk menikmati sistem non-tunai (cashless) yang sederhana, yang akan mendapatkan layanan yang cepat dari rumah sakit.

Selain itu, biaya operasi dan perawatan setelah rawat inap akan dibayar berdasarkan tagihan yang disesuaikan dengan batas tahunan. “Kami harap manfaat yang ditawarkan akan membantu keluarga Indonesia merencanakan perlindungan kesehatan yang lebih baik sebagai bagian dari rencana mereka mencapai kemapanan finansial,” kata Bert.

Dengan tarif premi yang kompetitif, Sun MED menyediakan solusi perlindungan pintar yang lengkap untuk semua kalangan nasabah. Usia pertanggungannya pun mulai 15 hari sampai dengan 88 tahun. Alhasil, sewaktu penyakit kritis menyerang nasabah yang tidak terduga disertai dengan meningkatnya biaya rumah sakit, tidak perlu lagi dipikirkan karena sudah dikover perusahaan asuransi.
Redaktur : Fernan Rahadi

Sumber: Republika Online



 

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