The best health insurance generally has a wide network of partner hospitals, complete coverage benefits, up to insurance limits that are proportional to hospital costs and premiums paid.
Therefore, in choosing health insurance, it is better not to focus on cheap premiums, but also consider the benefits to the limit.
In choosing health insurance, there are several indicators to consider, namely the reputation and financial health of the company to the benefits of coverage.
So that you don’t get confused, let’s take a look at the following recommendations for the best health insurance !
CIGNA
Cigna insurance company is a company from the United States that provides several types of the best individual or family health insurance variants.
One of the best health insurance options from Cigna is Cigna Proteksi Sehat which provides health protection for yourself, your partner, and children.
The benefits that Cigna offers include:
- reimbursement of daily hospitalization costs of Rp. 300 thousand to Rp. 1.5 million per day,
- reimbursement of surgical costs ranging from IDR 3 million to IDR 15 million per incident,
- ambulance service for emergency evacuation.
AXA MANDIRI
AXA Mandiri insurance company comes with a choice of policies with very complete benefits. This insurance from PT Mandiri AXA General Insurance provides health insurance benefits, outpatient care, and compensation for death due to an accident.
AXA Mandiri Smartcare Executive is a hospital cash plan insurance that provides daily compensation for hospitalization.
The following are the benefits of insurance from AXA Mandiri health insurance:
- Daily cash compensation for hospitalization due to illness or accident.
- Compensation for permanent disability up to death and funerals due to accidents.
- Simple health selection, which is to answer simple questions related to health without the need for a medical check-up.
Payment methods can range from monthly to yearly. The monthly premium itself starts from IDR 421,235 only!
LIPPO HEALTHPLUS FAMILY
HealthPlus Family is one of the best health insurance services that provides the right solution for health protection needs for you and your family with very affordable premiums.
The following are the benefits of Lippo HealthPlus Family insurance coverage:
- Premiums start from IDR 416 thousand per month for all family members at once.
- Customer entry age: 0-60 years.
- The policy can be extended up to 65 years.
- One policy for all family members at once.
- Covers hospitalization costs according to hospital bills.
- Coverage for room costs is Rp. 550 thousand to Rp. 1.4 million per day.
- The annual benefit limit is IDR 150-300 million.
- It has 884 partner hospitals spread across Indonesia.
LIPPO HEALTHPLUS FAMILY
Simas Sehat Gold is here to overcome the financial risks that may arise due to accidents, illness, or surgery that require hospitalization at a cost that continues to increase from time to time perumahan surabaya.
Simas Sehat Gold has the following coverage benefits:
- Premiums start from IDR 171 thousand per month.
- Bear up to the age of 75 years.
- Policy review benefit: 15 days.
- Coverage for general practitioner/specialist consultation fees according to hospital bills.
- Coverage for emergency outpatient expenses according to hospital bills.
- Daily benefits for hospitalization.
- The annual limit starts from IDR 100-IDR 400 million.
- Provide compensation for death of Rp. 10 million.
- The advantage is that it provides health insurance + life insurance benefits at the same time.
BRI LIFE SIMPLY HEALTHCARE
BRI Life Simply HealthCare is one of the best health insurance services from BRI Life perumahan mojokerto.
Because with a premium of only around IDR 300 thousand per month, customers can get inpatient and outpatient benefits at the same time.
In addition, the insurance company BRI Life is also working with Halodoc so that customers can get free online doctor consultations.
The following are the benefits of BRI Life Simply HealthCare coverage:
- Premiums start from IDR 227 thousand per month.
- Main customer entry age: 21-65 years old.
- Adult additional customer entry age: 21-55 years.
- Age of entry for additional customers for children: 1-21 years.
- Daily compensation for hospitalization of Rp. 300 thousand to Rp. 1.5 million per day.
- ICU cost coverage is IDR 1.8 million per day.
- Surgical cost coverage of up to IDR 3 million.
- Coverage for various other treatments is Rp. 1.5 million.
- There is a free online doctor consultation service.
- Coverage for outpatient costs Rp. 1.5 million.
- It has around 626 partner hospitals in Indonesia.
- The advantage is that it provides very complete health insurance benefits.
CHUBB HOSPITAL CASHBACK PROTECTION
The next best health insurance is Chubb Life which offers daily inpatient and ICU coverage benefits of up to IDR 1.5 million per day.
The following are the benefits of Chubb Hospital Cashback Protection:
- Premiums start from IDR 165 thousand per month.
- The daily compensation for hospitalization is IDR 300-900 thousand per day.
- Coverage for ICU costs is Rp. 600 thousand to Rp. 1.8 million per day.
- 50% premium return benefit in the 3rd year and another 50% in the 5th year.
PRUPRIME HEALTHCARE
Prudential has been present in Indonesia since 1995 and serves life and health insurance. One of the best health services from Prudential is PRUprime Healthcare which provides coverage for hospitalization costs with protection until the age of 85 years.
This policy is an additional benefit or rider of Prudential’s life insurance product, namely PRUlink New Generation.
To get it, you have to buy the 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 spinal cord death.
The following are the benefits of PRUprime Healthcare coverage:
- Main customer entry age: 1-65 years.
- Prudential’s health insurance policy can be extended for up to: 85 years.
- Coverage for hospital room and accommodation costs up to IDR 8 million per day.
- Coverage for specialist doctor visits.
- Annual benefit limit is up to IDR 1.5 billion.
- There is a premium return benefit of up to 50% if there are no claims during the current policy year.
- Insurance policies can be used all over the world except the United States.
ALLIANZ SMARTHEALTH MAXI VIOLET
Allianz health insurance is one of the best health insurance that must be considered. Superior in several aspects, Allianz has the best pure health insurance product, namely SmartHealth Maxi Violet.
This health insurance provides a no claim bonus benefit which means that Allianz premiums that have been paid will be returned 20 percent if there is no claim.
In addition, the Allianz SmartHealth Maxi Violet insurance also offers eight types of plans that you can choose according to your needs with hospitalization benefits of up to IDR 1 million per day.
MANULIFE MIULTIMATE HEALTHCARE
Manulife is a Canadian company that has been in Indonesia since 1989. The company, which has 2.5 million customers, offers some of the best cashless health insurance products. One of them is MiUltimate HealthCare (MiUHC).
This Manulife policy covers the costs of hospitalization, surgery, dental care, childbirth, and psychological consultations for customers that you can claim throughout Indonesia and abroad.
Following are the full coverage benefits:
- Main customer entry age: 18-70 years.
- Child customer entry age: 30 days-17 years.
- Coverage for inpatient hospital room costs in Indonesia and Malaysia starts from IDR 500 thousand to IDR 3 million per day.
- Coverage for inpatient hospital room costs outside Indonesia and Malaysia starts from Rp. 3 million to Rp. 9 million.
- Coverage for ICU room costs according to the bill.
- Coverage for the cost of a doctor’s visit according to the bill.
- Coverage for the cost of a specialist doctor’s visit according to the bill.
- Coverage for surgery costs as billed.
- Coverage for accommodation costs for the insured child’s companion starts from Rp. 500 thousand to Rp. 1.2 million per day.
- Psychological counseling costs cover ranging from Rp. 1 million to Rp. 2.5 million per year.
- Manulife MiUltimate HealthCare can be used up to Malaysia.
BNI LIFE OPTIMA CASH PLAN
The BNI Life Optima Cash Plan provides benefits for inpatient, outpatient, surgery and benefits for giving birth in a hospital due to illness or accident.
The following are the complete coverage benefits from the BNI Life Optima Cash Plan:
- Act as employee insurance.
- Minimum 5 employees of the company.
- Main customer entry age: 17-70 years.
- Child customer entry age: 15-16 years.
- Daily compensation for hospitalization due to illness and accidents ranging from Rp. 100 thousand to Rp. 2 million per day.
- Outpatient compensation 80-100% of the receipt.
- Provide compensation for surgery due to illness or accident.
- Funding for normal or caesarean delivery.
- The advantage is that it provides inpatient + outpatient benefits + maternity insurance at once.
AIA PREMIER HOSPITAL & SURGICAL
AIA is a Hong Kong based company that has been operating in Indonesia since 1983.
AIA’s best health insurance product is Hospital & Surgical Protection which guarantees reimbursement for medical treatment costs in hospitals and the main benefits of hospitalization and surgery abroad.
The following are the benefits of AIA Premier Hospital & Surgical:
- Covering customers up to the age of 88 years.
- Insurance applies both at home and abroad.
TAKAFULINK SALAM COMMUNITY
Sharia unit-linked insurance product with 100 percent basic takaful benefits (assured money) and the value of investment funds according to Islamic law.
Takafulink Salam Community coverage benefits:
- Sharia health insurance policies are managed under the supervision of the Indonesian Ulema Council (MUI).
- Minimum insurance participants are 10 people.
- Suitable for those who want the benefits of sharia health insurance.
- Compensation for death and investment value due to illness or personal accident.
- Death benefit and investment value in case of total permanent disability risk.
- Compensation for death and investment value if one of 49 critical illnesses is diagnosed.
- Hospitalization benefits.
- Investment value is given if the participant lives until the policy expires.
