nhkaodaweb.com - Health is an important aspect of our lives, and now more and more people are realizing the importance of health insurance protection to maintain their financial health.
Indonesia has many health insurance companies that offer a variety of health insurance products with different benefits and costs. In this article, we will discuss the ten best and most comprehensive health insurance in Indonesia in 2023.
List of the 10 Best and Most Complete Health Insurance in Indonesia 2023
Here are the ten best and most comprehensive health insurance companies in Indonesia in 2023:
- Healthy Protection Cigna
- Astra Garda Healthtech
- AXA Mandiri Smartcare Executive
- Lippo HealthPlus Family, one of the best health insurance in Indonesia
- Simas Sehat Gold
- BRI Life Dasetera
- Chubb Hospital Cashback Protection
- Prudential PRUPrime HealthCare Plus
- Allianz SmartHealth Maxi Violet
- Manulife MiUltimate HealthCare
Why is Health Insurance Coverage Important?
Health insurance coverage is important for maintaining your financial health in the future. With health insurance, you can avoid expensive medical costs and ensure access to quality health care. In the long term, health insurance can also help reduce health risks and provide peace of mind.
How to Choose the Right Health Insurance?
Choose health insurance that suits you and your family's needs. Consider the benefits offered, the cost of the premium, the period, and also the reputation of the insurance company. It is also best to carefully check the terms and conditions of the policy, and seek advice from a financial professional or insurance agent before deciding to buy a health insurance product.
10 Best and Most Complete Health Insurance in Indonesia 2023
1. Healthy Protection Cigna
- reimbursement of daily hospitalization costs of IDR 300 thousand to IDR 1.5 million per day,
- reimbursement of surgical expenses ranging from IDR 3 million to IDR 15 million per event,
- speedy claim service only 30 minutes for hospitalization claims and 45 minutes for death claims,
- ambulance service for emergency evacuation.
2. Astra Garda Healthtech
- Premiums start at IDR 500,000 per year.
- Benefits up to IDR 3.2 million.
- Online consultation 14 times on the Halodoc application.
- Coverage for prescription drug costs (online and face-to-face).
- 7 face-to-face consultations with referrals from general practitioners or specialists.
- Drug delivery costs.
- Three package options can be tailored to your needs.
- Easy cashless claims through the Halodoc application.
- 3. AXA Mandiri Smartcare Executive
- Insurance company AXA Mandiri comes with a choice of policies with very complete benefits. AXA health insurance provides insurance benefits, outpatient care, and compensation for death due to an accident.
- Daily cash compensation for hospitalization due to illness or accident.
- Permanent disability compensation up to death and funeral due to accidents.
- Simple health selection, namely answering simple questions related to health without the need to do a medical check-up.
- The way to pay for AXA Insurance can start from monthly to yearly.
4. Lippo HealthPlus Family, one of the best health insurance in Indonesia
- Customer entry age: 0-60 years.
- Policy can be extended up to 65 years.
- One policy for all family members at once.
- Bear hospitalization costs according to hospital bills.
- Coverage for room costs IDR 550 thousand-IDR 1.4 million per day.
- Annual benefit limit of IDR 150-300 million.
- It has 884 partner hospitals spread across Indonesia.
5. Simas Sehat Gold
- Simas Sehat Gold has coverage benefits:
- Premiums start at IDR 77,000 per month.
- Cover up to the age of 75 years.
- Policy review benefits: 15 days.
- General practitioner/specialist consultation fees are covered according to hospital bills.
- Coverage for emergency outpatient expenses according to hospital bills.
- Daily compensation for hospitalization.
- Annual limits start from IDR 100-IDR 400 million.
- Provide death compensation of IDR 10 million.
- Free personal accident insurance up to IDR 10 million.
- Emergency evacuation around the world.
- The advantage is that it provides Askes + life insurance benefits at the same time.
6. BRI Life Dasetera
- Premiums starting at IDR 55,000 with medical and life benefits at the same time in one policy.
- Daily compensation for hospitalization of up to IDR 1.5 million.
- Surgical benefits and bereavement benefits.
- ICU daily compensation benefits of up to IDR 3 million.
- 100% premium return if there are no claims for 5 years.
- Reimbursement for hospitalization costs with the reimbursement method.
- Maximum length of stay in hospital is 120 days.
7. Chubb Hospital Cashback Protection
- Chubb Life Health Insurance premiums or prices start from IDR 165 thousand per month.
- Age of entry: 6 – 60 years.
- Daily compensation for hospitalization up to IDR 1.5 million per day.
- Coverage for ICU costs IDR 600 thousand-IDR 1.8 million per day.
- 50% premium return benefit if there is no claim.
- Free to choose the claimed method (cashless or reimbursement).
8. Prudential PRUPrime HealthCare Plus
Prudential has been present in Indonesia since 1995. One of the best outpatient health insurance plans from Prudential is PRUprime Healthcare Plus which provides coverage for hospitalization costs with protection up to the age of 99.
This policy is an additional or rider benefit of Prudential's life insurance product, namely New Generation PRUlink.
To get it, you have to buy a life insurance product first. However, if you already have a family, there's nothing wrong with buying this product because your family needs financial protection from the risk of the death of a backbone.
- Main customer entry age: 1-65 years.
- Prudential Insurance Policy can be extended u to 99 years.
- Coverage for hospital room and accommodation costs up to IDR 10 million per day.
- Companion expense coverage.
- Annual benefit limit up to IDR 65 billion.
- Benefit benefits for grief and HIV/AIDS up to IDR 15 million.
- The insurance policy can be used worldwide except in the United States.
9. Allianz SmartHealth Maxi Violet
Allianz Insurance is one of the best health insurance that must be considered. Superior in several aspects, Allianz has the best health protection product, namely SmartHealth Maxi Violet.
This health insurance provides a nono-claimants benefit which means that the Allianz premium that has been paid will be returned 20 percent if there are no claims.
10. Manulife MiUltimate HealthCare
- Main customer entry age: 18-70 years.
- Child customer entry age: 30 days-17 years.
- Coverage for inpatient hospital rooms in Indonesia and Malaysia starts from IDR 500 thousand to IDR 3 million per day.
- Coverage for inpatient hospital rooms outside Indonesia and Malaysia starts from IDR 3 million-IDR 9 million.
- ICU room fee coverage according to the bill.
- Doctor visit fee coverage according to the bill.
- Coverage for specialist doctor visits according to the bill.
- Coverage for surgical expenses according to the bill.
- Coverage for accommodation costs for the companion of the insured child starts from IDR 500,000-IDR 1.2 million per day.
- Coverage for psychological counseling costs starts from IDR 1 million-IDR 2.5 million per year.
- Manulife MiUltimate HealthCare can be used up to Malaysia.