Health insurance is one of the types of insurance products that specifically guarantees the maintenance cost of health care or insurance clients is if they have health problems or accidents. Broadly speaking there are two types of treatments are offered by insurance companies, namely outpatient and inpatient.

Outpatient

Outpatient insurance covers the cost of a doctor, diagnosis / lab, and medicine. 

The costs incurred are usually determined by the 

maximum limit for each component per visit / per year and a maximum frequency 

of visits in one year. Restrictions can also be enforced by requiring GP referral before a visit to a specialist, or coverage only given when health services performed by the service providers listed. Outpatient insurance is usually only an additional benefit of hospitalization insurance. In other words, should be the one with the hospitalization insurance.

Inpatient

Hospitalization insurance covers the cost of inpatient care in hospitals, which includes the cost of the room, physician services, drugs, laboratory / diagnostic support, surgery, etc. Hospitalization insurance classification is usually done by the class room.