At present, it’s extremely important to have health insurance. Therefore, choose the best health insurance for the protection of yourself and your family.
Generally, the best health insurance has a wide network of hospitals, comprehensive coverage benefits, and insurance limits equivalent to hospital costs along with its premiums.
So, you need to be meticulous in selecting the best and most reliable health insurance. It’s advisable not to be overly swayed by cheap premiums alone, but consider the facilities offered and the usage limits.
Usually, the best health insurance will have a broad network of hospitals, comprehensive coverage benefits, and insurance limits equivalent to hospital costs along with its premiums.
Hence, you need to be diligent in choosing the best health insurance. It’s better not to solely focus on cheap premiums but also consider the offered facilities and usage limits.
Don’t forget to thoroughly investigate the reputation and financial health of the company in addition to the coverage benefits.
Always be prepared when the risk of illness arises. Nobody wants to fall sick, but everyone might need medical care at some point. People without health protection are at risk of facing high medical expenses. This can lead to financial difficulties, substantial debts, or even bankruptcy. Health insurance covers the arising healthcare costs and offers other crucial benefits as financial protection.
- AXA Good Health The first recommendation is AXA Good Health insurance, available through two digital services, Grab Health powered by Good Doctor and the website www.axa.co.id.
AXA Good Health insurance is a health protection solution with easy outpatient benefits and affordable prices. This insurance offers three protection options: outpatient benefits, inpatient care, and a combination of outpatient and inpatient care.
Here are the details regarding AXA Good Health insurance that you should consider:
You’ll receive reimbursement for online and face-to-face outpatient treatment costs, including other examinations such as laboratory tests and medications as per the bills. The maximum usage limit is up to Rp 100 million per year. Provides digital health facilities like teleconsultation services with general practitioners and specialists, as well as purchasing and delivery options for medication through the Good Doctor app. Offers healthcare services with direct referrals to face-to-face outpatient facilities with doctors and inpatient care at affiliated hospitals across Indonesia. You’ll receive daily inpatient benefits of up to Rp 1 million with cashless facilities. The premium for this insurance is highly affordable, starting from Rp 105,000 per month, with a premium discount of 1 time the monthly premium for annual payments.
- Astra Garda Healthtech The second recommendation is Astra Garda Healthtech, one of the best health insurance products from Astra due to its many attractive benefits. Here are some coverage benefits:
Premiums starting from Rp 500,000 per year. Coverage benefits up to Rp 3.2 million. Up to 14 online consultation sessions. Coverage for prescription medication costs, whether online or face-to-face. Up to 7 face-to-face consultation sessions with referrals from general practitioners or specialists. Medication delivery services. Three customizable package options based on health needs. Easy cashless claim process.
- Lippo HealthPlus Family The third recommendation is HealthPlus Family, an insurance tailored for families. This insurance provides the right health protection solution for you and your family, with very affordable premiums. Here are some coverage benefits of Lippo HealthPlus Family insurance:
Customers aged 0-60 years can use this health insurance. The policy can be extended until the age of 65. One policy can be used for all family members at once. This insurance covers inpatient care according to hospital bills. Inpatient room coverage ranges from Rp 550,000 to Rp 1.4 million per day. Annual benefit limits range from Rp 150-300 million. It has 884 affiliated hospitals across Indonesia.
- BRI Life Dasetera The fourth insurance is BRI Life Dasetera (Healthy Prosperous Fund Insurance), one of the best health insurances from BRI Life with various appealing benefits. Here are some coverage benefits of BRI Life Dasetera:
Daily inpatient benefits up to Rp 1.5 million. Benefits include surgical benefits and condolence benefits. Premiums starting from Rp 55,000 with medical and life benefits in one policy. ICU daily benefits up to Rp 3 million. 100% premium refund if no claims are made for 5 years. Reimbursement method for hospital inpatient treatment costs. Maximum hospitalization period of 120 days when using the insurance.