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 cheappremiums, but also consider the benefits to the limit. In addition, alsoconsider the reputation and financial health of the company to the benefits ofcoverage.

List ofthe best health insurance in Indonesia

Let's notget confused, let's look at the list of the best health insurance in Indonesiabelow:

 

1. CignaProtects Healthy

CignaInsurance Company is a company from the United States that provides severaltypes of the best individual or family health insurance variants.

One of thebest choices from Cigna Health Insurance is Cigna Proteksi Sehat which provideshealth protection for yourself, your spouse and children.

The benefitsthat Cigna offers include:

• reimbursement of daily hospitalization costs of Rp. 300thousand to Rp. 1.5 million per day,
• reimbursement of surgical costs ranging from IDR 3 million toIDR 15 million per incident,
• speedy claim service is only 30 minutes for inpatient claimsand 45 minutes for death claims,
• ambulance service for emergency evacuation.

2. AstraGarda Healthtech

Astra GardaHealthtech is the best and cheapest health insurance product from AsuransiAstra with very attractive benefits.

GardaHealthtech has collaborated with Halodoc so that it is easy to consult withdoctors 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 andface-to-face).
• Face-to-face consultation 7 times with referrals from generalpractitioners or specialists.
• Drug delivery costs.
• There are three package options that can be tailored to yourneeds.
• Easy cashless claims through the Halodoc application.

 

3. AXAMandiri Smartcare Executive

AXA MandiriInsurance 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 MandiriSmartcare Executive is a hospital cash plan insurance that provides dailycompensation for hospitalization.

Thefollowing are the benefits of insurance from AXA Mandiri health insurance:

• Daily cash compensation for hospitalization due to illness oraccident.
• Compensation for permanent disability up to death andfunerals due to accidents.
• Simple health selection, which is to answer simple questionsrelated to health without the need for a medical check-up.
• How to pay for AXA Insurance can start from monthly toyearly.

4. LippoHealthPlus Family, one of the best health insurance in Indonesia

HealthPlusFamily is one of the best family health insurances that provides a solution forthe right health protection needs for you and your family with very affordablepremiums.

Thefollowing are the benefits of Lippo HealthPlus Family insurance coverage:

• Customerentry age: 0-60 years.
• The policycan be extended up to 65 years.
• One policyfor all family members at once.
• Covershospitalization costs according to hospital bills.
• Coverage forroom costs is Rp. 550 thousand to Rp. 1.4 million per day.
• Annualbenefit limit is IDR 150-300 million.
• It has 884partner hospitals spread across Indonesia.

 

5. SimasSehat Gold

Simas SehatGold is the name of health insurance from Asuransi Sinar Mas which is here toovercome financial risks that may arise due to an accident, illness, or surgerythat requires hospitalization at a cost that continues to increase from time totime.

Simas SehatGold has the following coverage benefits:

• Premiumsstart from IDR 77 thousand per month.
• Bear up tothe age of 75 years.
• Policyreview benefit: 15 days.
• Coverage forgeneral practitioner/specialist consultation fees according to hospital bills.
• Coverage foremergency outpatient expenses according to hospital bills.
• Dailybenefits for hospitalization.
• The annuallimit starts from IDR 100-IDR 400 million.
• Providecompensation for death of Rp. 10 million.
• Freepersonal accident insurance up to IDR 10 million.
• Emergencyevacuation worldwide.
• Theadvantage is that it provides health insurance + life insurance benefits at thesame time.

 

6. BRILife Dasetera

BRI LifeDasetera (Healthy and Prosperous Fund Insurance) is a good health insurancefrom BRI Life with attractive benefits.

Because witha premium of only around IDR 55 thousand per month, customers can get medicaland life benefits at the same time with an insurance coverage period of up to 5years.

Thefollowing are the benefits of coverage for BRI Life Dasetera:

• A premium ofIDR 55 thousand with medical and life benefits at the same time in one policy.
• Dailycompensation for hospitalization up to Rp. 1.5 million.
• Surgicalcompensation benefits and bereavement compensation.
• ICU dailybenefits of up to IDR 3 million.
• 100% premiumrefund if no claim for 5 years.
• Reimbursementof hospital inpatient costs with the reimbursement method.
• Maximumlength of stay in hospital is 120 days.

 

7. ChubbHospital Cashback Protection

The nexthealth insurance recommendation is Chubb Life which offers daily inpatient andICU coverage benefits of up to IDR 1.5 million per day.

Thefollowing are the benefits of Chubb Hospital Cash Back Protection Insurancecoverage:

• Chubb LifeHealth Insurance premiums or prices start from IDR 165 thousand per month.
• Entry age: 6– 60 years.
• Dailycompensation for hospitalization up to IDR 1.5 million per day.
• Coverage forICU costs is Rp. 600 thousand to Rp. 1.8 million per day.
• 50% premiumreturn benefit if there is no claim.
• Free tochoose the claim method (cashless or reimbursement).

 

8.Prudential PRUPrime HealthCare Plus

Prudentialhas been present in Indonesia since 1995. One of the best outpatient healthinsurances from Prudential is PRUprime Healthcare Plus which provides coveragefor inpatient costs with protection until the age of 99 years.

This policyis 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 afamily, there's nothing wrong with buying this product because your familyneeds financial protection from the risk of spinal cord death.

Thefollowing are the benefits of PRUprime Healthcare Plus coverage:

• Maincustomer entry age: 1-65 years.
• PrudentialInsurance Policy can be extended up to: 99 years.
• Coverage forhospital room and accommodation costs up to IDR 10 million per day.
• Coverage ofaccompanying costs.
• Annualbenefit limit is up to IDR 65 billion.
• Compensationbenefits for grief and HIV/AIDS up to Rp. 15 million.
• Insurancepolicies can be used all over the world except the United States.

 

9.Allianz SmartHealth Maxi Violet

Allianzinsurance is one of the best health insurance that must be considered. Superiorin several aspects, Allianz has the best health protection product, namelySmartHealth Maxi Violet.

This healthinsurance provides a no claim bonus benefit which means that Allianz premiumsthat 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 plansthat you can choose according to your needs with hospitalization benefits of upto IDR 1 million per day.

 

10.Manulife MiUltimate HealthCare

Manulife isa Canadian company that has been in Indonesia since 1989. Including one of thebest health insurance companies in Indonesia, Manulife has 2.5 millioncustomers and offers some of the best cashless health insurance products, suchas MiUltimate HealthCare (MiUHC).

ThisManulife policy covers the costs of hospitalization, surgery, dental care,maternity insurance, and psychological consultations for customers that you canclaim throughout Indonesia and abroad.

Thefollowing are the full coverage benefits of MiUltimate Healthcare:

• Maincustomer entry age: 18-70 years.
• Childcustomer entry age: 30 days-17 years.
• Coverage forinpatient hospital room costs in Indonesia and Malaysia starts from IDR 500thousand to IDR 3 million per day.
• Coverage forinpatient hospital room costs outside Indonesia and Malaysia starts from Rp. 3million to Rp. 9 million.
• Coverage forICU room costs according to the bill.
• Coverage forthe cost of doctor visits according to the bill.
• Coverage forspecialist doctor visits according to the bill.
• Surgicalcost coverage as billed.
• Coverage foraccommodation costs for the insured child's companion starts from IDR 500thousand to IDR 1.2 million per day.
• Psychologicalcounseling costs cover from Rp. 1 million to Rp. 2.5 million per year.
• ManulifeMiUltimate HealthCare can be used up to Malaysia.

 

11. BNILife Optima Cash Plan

BNI LifeOptima Cash Plan provides benefits for inpatient, outpatient, surgery andbenefits for giving birth in a hospital due to illness or accident. This policycan be the best health insurance option for employees.

Thefollowing are the complete coverage benefits from the BNI Life Optima CashPlan:

• Act asemployee insurance.
• Minimum 5employees of the company.
• Maincustomer entry age: 17-70 years.
• Childcustomer entry age: 15-16 years.
• Dailycompensation for hospitalization due to illness and accidents ranging from Rp.100 thousand to Rp. 2 million per day.
• Outpatientcompensation 80-100% of the receipt.
• Providecompensation for surgery due to illness or accident.
• Funding fornormal or caesarean delivery.
• Theadvantage is that it provides inpatient + outpatient benefits + maternityinsurance at once.

 

12. AIAHospital & Surgical Protection

AIA is aHong Kong based company that started operating in Indonesia in 1983 and is oneof the best insurance companies in Indonesia.

AIA's besthealth insurance product is Hospital & Surgical Protection which guaranteesreimbursement for medical treatment costs in hospitals and the main benefits ofhospitalization and surgery abroad.

Thefollowing are the benefits of AIA Hospital & Surgical Protection:

• Entry age:0-70 years.
• Guaranteed2/4 bed inpatient room at the lowest price.
• Coveringcustomers up to the age of 88 years.
• Medicalexpense coverage according to the bill.
• Claims canbe made cashless.
• Insuranceapplies both at home and abroad.

Not only forourselves, we also need to consider cheap premium health insurance for childrenso that they can get the best service too.