Reflecting on the past few years, the pandemic has hit not only one country but the world.
This unpredictable occurrence teaches us to not only stay cautious to maintain our health, but also makes us aware of the importance of preparing health fund savings.
Government Bonds can be used as a solution to prepare health funds. You must understand that planning a health fund does not mean expecting yourself to be sick.
Instead, preparing a health fund can be the first step to avoid risks related to health. Moreover, this can happen anytime and to anyone.
By having a health fund, you are already more prepared, especially in terms of funding to deal with risks that impact health.
Check out the explanation regarding the importance of having a health fund and how to prepare it safely for all family members in the following discussion.
The Importance of Preparing a Health Fund
As the name implies, the health fund is a fund that is specifically prepared to finance health needs. Not only related to diseases such as during the pandemic, but you can also use these savings when you got into an accident or anything that endangers your health.
A health fund is an important thing to prepare. Below are the 4 important benefits that you can gain if you have this health fund, namely:
- Guarantee Medical Fees
With a health fund, you will no longer have to worry about having to pay for your treatment. You can use these health funds, starting from covering urgent treatments such as surgery and emergency care, or even when you only need treatment for minor injuries.
- Free to Choose the Level of Health Facilities
The second use of owning a health fund is that you can choose the level of health facility you want. You can choose the level of health facilities according to your convenience and health funds you have.
- Complement Health Insurance
Next, by having your own health fund savings, you can use it to make up for the deficiencies of the health insurance that you already have.
Of course, the health fund that you prepare yourself can be very helpful, especially if your insurance has a reimbursement system.
- Post-Recovery Fund
After treatment, sometimes there are other processes to ensure that you have fully recovered, such as outpatient therapy and consultation processes.
You can use the health funds that have been raised to finance these needs.
Safe Ways to Prepare Health Funds
After understanding the important role of owning a health fund, you also need to understand how to prepare it.
There are several safe ways you can prepare your health fund, one of which is investing in Government Bonds. Read more about these methods as follows.
- Set Aside a Health Emergency Fund
An emergency fund is a fund raised with the aim of being used in an emergency. The first way you can do to prepare a health fund is to raise an emergency fund specifically for health matters.
You can raise this dedicated health emergency fund by creating separate savings set aside from your income. It doesn't need to be in large amounts, but as long as you do it regularly, over time your savings will accumulate.
- Sign Up for Health Insurance
The second way is to register for insurance. Not only will the medical costs be guaranteed, but you can also gain other benefits. Starting from routine medical checkup, disease prevention efforts, to health services with the best facilities.
Of course, to be able to receive the best insurance benefits, you need to find the right insurance company.
- Participating in the Healthcare BPJS Program
Apart from the two methods above, you can also take part in government programs such as Healthcare BPJS to prepare health funds.
This insurance product from the government is an option that can be very helpful in reducing health costs.
- Making Investments
Another way that you can do to prepare a health fund is by investing. Investments have the potential to generate high profits, where the results of these investments can be used as health funds.
As long as you invest with the right instrument and work with a trusted partner, investing is the right way to prepare health funds.
Prepare a Health Fund with Government Bond Investment
As previously discussed, one of the ways you can prepare a health fund is by investing. The choice of investment instruments that you can try includes investing in Bonds.
The definition of Bonds is one type of investment instrument with a system that trades debt securities issued by an institution, both companies and the government.
The key to confidently invest in Bonds is that you need to find a trusted investment partner. If you are interested in Government Bonds investment, DBS Treasures priority banking can be the right partner to support you.
Before that, read through some of the benefits you will gain when investing in Bonds with DBS Treasures.
- Gain regular coupons
- Have potential capital gains
- Coupons offered are competitive
- No additional fees
- Transactions can be made through the digibank by DBS Application anytime, anywhere
For more information about investing in Government Bonds with DBS Treasures, you can access via the following link https://www.dbs.id/id/treasures/investasi/structured-product/investing-in-bonds.
