I am sure every sane person, would want and want to be healthy, various efforts were made by us to maintain health and fitness of our body, ranging from exercise, adequate rest, eating nutritious foods, avoid alcohol, reduce or even avoid cigarettes. But if all that was enough? a study showing that stress people tend to be easily attacked by diseases.

As we know the stress levels of residents in urban areas tend to be higher than the level of stress in the region, the situation today as the day in Jakarta traffic, the level of competition leading to pressure and demands at work are also higher, other things such as price increases basic goods, the threat of layoffs tend to make us even more stressful.

This is also exacerbated by air pollution is increasingly not karuan, so in short our lives more at risk for diseases that cause us to be admitted to hospital, if only a mild illness just maybe this is not a big problem for us, but what if we have to surgery?

Indeed today we are all in good health, but who can ensure our health condition 5 (five), 10 (ten) and 20 (twenty) years in the future? not to mention the health costs always go up from year to year, based on the estimated increase in health costs in Indonesia average 10% per year.

So the more important for us to always keep our bodies health and provide emergency funding if the pain went, but ironically we are so far just to feel healthy healthy sometimes ignored and not set aside an emergency fund so when we pain was surprised to see the costs. many who thought that hospital costs low as what he remembers, without knowing that there was an increase in cost increases.

The question now is where your emergency funds allocated? If the answer is Good Health Insurance for you, now your task is to keep your body’s health to maximum so that we can live healthily for a long time but when age began to dusk when the disease can not be avoided we can go Hospitals and expenses paid by Medicare.

But it needs to be noted for those of you who already have health insurance, please review the health insurance policy you see the benefits provided by your health insurance before you regret it if one day when it claims was a replacement and health insurance protection provided is inadequate, so the cost of we must own risk much greater.

This is where the benefits of Protector Plus Health Rider, this Rider only gives complete solutions to anticipate health problems, because the Health Protector Plus provides appropriate reimbursement for costs charges and doctor’s surgery, one for general practitioners and other specialists to visit once a day. Health protection is also provided home day replacement surgery, according to the bill.

Protector Plus Health Rider also provides for your health card that can be used at Partners hospitals are spread across major cities in Indonesia, so if you use your health card does not need to pay deposits incriminating enough for us in time of emergency.

About appropriate health card bill and it is not something new, previously health insurance (from general insurance) that also provides appropriate protection bill. So, perhaps a great Protector Health compared with other insurance, but what great compared to other public health insurance?

Let’s see: the public health insurance 1-year term. Every year must be renewed, and becomes increasingly difficult when the ages are getting older even though the body remains in good health. As we know someone older age and then tend to easily vulnerable to various diseases. Therefore, public health insurance can not be relied upon to provide long-term protection, especially until the age of 75 years!

The fact that the Health Rider Protector Plus provides other value-added, cost riders from investment results, where the return on investment high proven for this product is launched, much higher than bank interest. If you look at compound interest formula, of course you understand that the difference in interest is not calculated in a linear but exponentially, so that the necessary expenses.

In more simple terms: in the long term, the investment results sufficient to cover all medical expenses. At the end of a certain period (eg 10 years), people can take back all the funds already spent plus interest. Meaning: a FREE health protection during that period!

We call Health Protector Power! Of course, it would be wonderful if we stay healthy until death before, but if not, we know that protection was available well into old

Fraud (Fraud Auditing) in health care as a form called a deliberate effort made to create a benefit that should not be enjoyed either by individuals or institutions and can harm others.

Fraud (fraud auditing) in the health service conducted on hal2 or circumstances and situations associated with the process of health care, coverage or benefits of health services and financing.

In the health service is also known referred to as other forms of abuse that can harm the health service. However, this term is more widely used in health insurance is defined as activities or actions that harm the health service but not included in the category of fraud (fraud auditing). Abuse can be malpractice or overutilization.

Based on the Heath Insurance Assosiciation of America (HIAA), fraud in health care or health insurance can be categorized as follows:

• Fraud by the participants as a consumer health insurance

• Fraud by health providers (providers)

• Fraud by the insurance company

Thus, the fraud (fraud auditing) can be done by the parties relating to the health services that need to be traced from any party who has made fraud (fraud auditing) it.

Fraud (fraud auditing) are usually done by consumers or health insurance participants include:

• Making untrue statements in the filing of the claim

• Making untrue statements in terms of eligibility to obtain health services or at the time of claim.

Fraud by the Giver of Health Services (providers) can be done either by individuals in these institutions such as doctors, nurses, etc., as well as the institution that intentionally doing fraud. Form of fraud (fraud auditing) by the individual intentionally done to increase the incentives for the concerned.

Form of fraud (fraud auditing) are usually done by the Giver of Health Services, among others:

• Filing of claims with credit service or action that is not given, such as laboratory tests conducted on 2 types of tests, but presented as 3 types of tests or more.

• Manipulation of the diagnosis by raising the level of action such as appendiectomy charged appendiectomy with complications that require major surgery, so charging a higher tariff.

• Falsifying the date and duration of treatment days. This usually happens by adding the number of patient days by adding the date when the patient’s treatment was to come home.

• Claims by charging a greater rate than they should, for example, medical equipment bills larger than the regular price.

• Claim with the trade name drug when given a drug with a generic name.