The best health insurance generally has a wide network of partner hospitals, complete coverage benefits, up to an insurance limit that is proportional to the hospital fees and premiums paid.
Therefore,
in choosing the best health insurance, it's better not to focus on cheap
premiums, but also consider the benefits to the limit. In addition, also
consider the reputation and financial health of the company to the benefits of
coverage.
List of the best health insurance in Indonesia
Let's not
get confused, let's look at the list of the best health insurance in Indonesia
below:
1. Cigna Protects Healthy
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 choices from Cigna Health Insurance is Cigna Proteksi Sehat which provides
health protection for yourself, your spouse 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,
- speedy claim service is only 30 minutes for inpatient claims and 45 minutes for death claims,
- ambulance service for emergency evacuation.
2. Astra Garda Healthtech
Astra Garda
Healthtech is the best and cheapest health insurance product from Asuransi
Astra with very attractive benefits.
Garda Healthtech has collaborated with Halodoc so that it is easy to consult with doctors online. Following are the coverage benefits:
- Premiums start from IDR 500 thousand per year.
- Benefits up to IDR 3.2 million.
- 14 times online consultation on the Halodoc application.
- Coverage for prescription drug costs (online and face-to-face).
- Face-to-face consultation 7 times with referrals from general practitioners or specialists.
- Drug delivery costs.
- There are three package options that can be tailored to your needs.
- Easy cashless claims through the Halodoc application.
3. AXA Mandiri Smartcare Executive
AXA Mandiri
Insurance Company comes with a choice of policies with very complete benefits.
This AXA health 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.
- How to pay for AXA Insurance can start from monthly to yearly.
4. Lippo HealthPlus Family, one of the best health insurance in Indonesia
HealthPlus
Family is one of the best family health insurances that provides a solution for
the right health protection needs for you and your family with very affordable
premiums.
The
following are the benefits of Lippo HealthPlus Family insurance coverage:
- 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.
- Annual benefit limit is IDR 150-300 million.
- It has 884 partner hospitals spread across Indonesia.
5. Simas Sehat Gold
Simas Sehat
Gold is the name of health insurance from Asuransi Sinar Mas which is here to
overcome financial risks that may arise due to an accident, illness, or surgery
that requires hospitalization at a cost that continues to increase from time to
time.
Simas Sehat
Gold has the following coverage benefits:
- Premiums start from IDR 77 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.
- Free personal accident insurance up to IDR 10 million.
- Emergency evacuation worldwide.
- The advantage is that it provides health insurance + life insurance benefits at the same time.
6. BRI Life Dasetera
BRI Life
Dasetera (Healthy and Prosperous Fund Insurance) is a good health insurance
from BRI Life with attractive benefits.
Because with
a premium of only around IDR 55 thousand per month, customers can get medical
and life benefits at the same time with an insurance coverage period of up to 5
years.
The following are the benefits of coverage for BRI Life Dasetera:
- A premium of IDR 55 thousand with medical and life benefits at the same time in one policy.
- Daily compensation for hospitalization up to Rp. 1.5 million.
- Surgical compensation benefits and bereavement compensation.
- ICU daily benefits of up to IDR 3 million.
- 100% premium refund if no claim for 5 years.
- Reimbursement of hospital inpatient costs with the reimbursement method.
- Maximum length of stay in hospital is 120 days.
7. Chubb Hospital Cashback Protection
The next
health insurance recommendation 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 Cash Back Protection Insurance
coverage:
- Chubb Life Health Insurance premiums or prices start from IDR 165 thousand per month.
- Entry age: 6 – 60 years.
- Daily compensation for hospitalization up to IDR 1.5 million per day.
- Coverage for ICU costs is Rp. 600 thousand to Rp. 1.8 million per day.
- 50% premium return benefit if there is no claim.
- Free to choose the claim method (cashless or reimbursement).
8. Prudential PRUPrime HealthCare Plus
Prudential
has been present in Indonesia since 1995. One of the best outpatient health
insurances from Prudential is PRUprime Healthcare Plus which provides coverage
for inpatient costs with protection until the age of 99 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 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 spinal cord death.
The
following are the benefits of PRUprime Healthcare Plus coverage:
- Main customer entry age: 1-65 years.
- Prudential Insurance Policy can be extended up to: 99 years.
- Coverage for hospital room and accommodation costs up to IDR 10 million per day.
- Coverage of accompanying costs.
- Annual benefit limit is up to IDR 65 billion.
- Compensation benefits for grief and HIV/AIDS up to Rp. 15 million.
- Insurance policies can be used all over the world except 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 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.
10. Manulife MiUltimate HealthCare
Manulife is
a Canadian company that has been in Indonesia since 1989. Including one of the
best health insurance companies in Indonesia, Manulife has 2.5 million
customers and offers some of the best cashless health insurance products, such
as MiUltimate HealthCare (MiUHC).
This
Manulife policy covers the costs of hospitalization, surgery, dental care,
maternity insurance, and psychological consultations for customers that you can
claim throughout Indonesia and abroad.
The
following are the full coverage benefits of MiUltimate Healthcare:
- 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 doctor visits according to the bill.
- Coverage for specialist doctor visits according to the bill.
- Surgical cost coverage as billed.
- Coverage for accommodation costs for the insured child's companion starts from IDR 500 thousand to IDR 1.2 million per day.
- Psychological counseling costs cover from Rp. 1 million to Rp. 2.5 million per year.
- Manulife MiUltimate HealthCare can be used up to Malaysia.
11. BNI Life Optima Cash Plan
BNI Life
Optima Cash Plan provides benefits for inpatient, outpatient, surgery and
benefits for giving birth in a hospital due to illness or accident. This policy
can be the best health insurance option for employees.
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.
12. AIA Hospital & Surgical Protection
AIA is a
Hong Kong based company that started operating in Indonesia in 1983 and is one
of the best insurance companies in Indonesia.
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 Hospital & Surgical Protection:
- Entry age: 0-70 years.
- Guaranteed 2/4 bed inpatient room at the lowest price.
- Covering customers up to the age of 88 years.
- Medical expense coverage according to the bill.
- Claims can be made cashless.
- Insurance applies both at home and abroad.
Not only for
ourselves, we also need to consider cheap premium health insurance for children
so that they can get the best service too.