choose insurance-If you decide to stop working and start your own business, one thing that needs to be addressed immediately is the matter of health costs. How will it be financed? One of them is taking health insurance .
But the problem is, how to choose the Best Health Insurance .
With this intention, a review was conducted on offers from four leading insurance companies, namely Allianz health insurance, AXA health insurance, Manulife health insurance and Cigna health insurance . The four are quite well-known providers and have a hospital network that is among the most extensive.
Each of us sees and compares the benefits and premiums with each other.
Health insurance is an insurance that provides reimbursement of health costs if the policy holder is hospitalized due to an illness or accident. The amount of reimbursement is based on the number of bills from the hospital with certain limit based on the insurance plan taken.
Insurance is an important part of Managing Family Finance .
Health insurance is different from critical illness insurance. Critical illness insurance provides cash compensation if you suffer from certain critical illnesses. Cash compensation is given once on a lump-sum basis.
Before looking at each offer, it's good to discuss what the ideal criteria are. After that, we can determine which health insurance is good.
With cashless, claim changes become easier. When you enter the hospital, you don't have to pay, but simply settle the bill by swiping the insurance card. There is no need to pay upfront, which then has to be reimbursed into insurance (reimbursement).
However, this cashless requires the hospital where you are treated to have cooperated with the Insurance because the hospital must own and install the machine to swipe the insurance card. If it is not cooperative, even though the insurance has a cashless claim system, you are forced to keep paying upfront and then complete it with a reimbursement.
Cashless claims cannot be made in hospitals that do not have cooperation with insurance. Therefore, choose insurance that has a network of cooperation with many hospitals. Make sure the hospital is your subscription (if any) in collaboration with the health insurance that will be chosen.
Ideally the health insurance ceiling is chosen as desired. If the scheme is taken lower, when you are hospitalized, you have to incur additional costs to cover deficiencies that are not guaranteed.
Of course, the height of the ceiling is directly related to the amount of the premium. The more expensive the price of a hospital room, the more expensive the premium. Adjust premiums with ability, don't even burden your finances. Must be prepared for trade-offs between premiums and ceilings. Although it is often not easy, because of health issues, such as choosing a hospital room, people are more emotional and tend to want to be comfortable and good, which implies expensive room prices.
Choose health insurance that stands alone, not a unit-link life insurance rider. Why? Expensive. In unit-links, premiums will be divided for life insurance, investment and new health insurance. The portion for health is small, so you have to pay more to get a higher ceiling. Not to mention, a number of unit-link fees are not small, which further reduces health premiums.
In pure insurance (see what Pure Insurance is here) , premiums are intended solely for health insurance coverage and deductions are also not as high as the unit-link fees , so the premium becomes cheaper or the insurance coverage becomes higher. If you want proof, compare the insurance coverage and the amount of premium between pure health insurance and health insurance that is part of the unit-link.
Health costs include outpatient and hospitalization. We recommend that you focus on insurance that bears the cost of hospitalization because this treatment costs the most. If you have more money, you can take additional outpatient insurance.
There is a limit or ceiling that limits the maximum number of claims for health costs. Generally, insurance applies two types of limits, first is the combined limit of all treatments and the second is the limit per treatment. For example, the first limit limits the combined maintenance costs of IDR 250 million a year, while the second limit limits the cost of surgical treatment to IDR 10 million a year, consultation fees IDR 10 million a year and so on.
There is insurance that only uses the first limit, some are only the second limit and some are using both limits simultaneously. We recommend that you choose insurance that applies the first limit, or in other words does not limit the cost per treatment. The point is that flexible policyholders seek treatment for various treatments as long as the total limit is still there. Insurance that limits the first and second limits, of course, the least ideal.
Although it seems to make it easier and usually the monthly premium is paid (so it looks lighter), please carefully make payments with auto-debit credit cards (want to know how to manage a credit card, see here ) . If you are forced to use this method because insurance does not provide other payment alternatives, make sure you know when payment starts and how it works if you want to stop.
Health insurance offers through tele-marketing began to appear frequently. Usually in collaboration with credit card issuers. Related to products that are quite complex, such as insurance, you should reflect, analyze and if you have time to do research, before making a decision. Therefore, I do not recommend taking immediate decisions when bidding by telemarketing. I have experienced the quick and concise process of the bidding myself, so that a lot of detailed information cannot be delivered due to limited time. If you are interested and need time to think about it, you can ask the insurance contact number, which you can contact when ready.
Health insurance requires a waiting period, some diseases cannot be claimed for a certain period from the date of insurance. For example, Cigna determined that the following diseases could only be claimed 12 months later, namely asthma; TB (Tuberculosis); kidney stones, urinary tract and bladder; high blood pressure (hypertension), heart and blood vessels; Diabetes (Diabetes Mellitus); Vertigo; and others. Ask the disease insurance what is the waiting period and how long does it take.
The total premium a year is Rp. 11,250,000 for hospitalization. Interestingly, hospitalization restrictions in rooms worth Rp. 750,000 reach 180 days a year, including the highest among others. However, Allianz applies a limit per treatment that varies depending on the type of treatment. Meanwhile, the limit of the total limit is as long as there is no combination of treatments. Cashless system
The total premium a year is Rp. 12,674,000 for hospitalization. Although more expensive among others, AXA does not apply a limit per treatment. Treatment is paid according to receipts, which are limited to the combined treatment limit of Rp80 million a year. There is a total combined limit of one year worth Rp. 250,000,000 per person. Hospitalization with rooms worth IDR 750,000 per day is maximum only 60 days a year, less than Allianz. Cashless system.
The health insurance discussed is provided by AXA General Insurance , not by AXA Mandiri Financial Services and AXA Financial Indonesia.
Cigna has just launched a family health insurance, namely Family EaziCare . Premium is determined by how much compensation per day and the oldest age. For example in this example, daily compensation is Rp. 800,000 and the oldest age is 41 years, then the monthly premium is Rp. 716,600 (see details at Cigna premium ) or Rp. 8,599,200 per year for a maximum of five members. The premium is relatively cheap, let alone can provide coverage for up to five family members.
However, the form of benefits is somewhat different, namely cash compensation. When treated, compensation per day is given a lump-sum, for example Rp. 800 thousand, for a maximum of 60 days, no matter how much the room costs and actual treatment costs are incurred.
That is, less or more depends on the difference in total room costs and maintenance costs compared to the amount of compensation. Although the premium looks cheap, the benefits are smaller than other insurance premiums. Cashless system.
This health insurance is a rider or addition to term-life life insurance. Even though it is not pure health insurance, this program has interesting benefits, not inferior to pure insurance. The total annual premium is Rp 9,854,000 for hospitalization. In addition to the cheaper premiums from Allianz and AXA, the room costs are also higher, which is Rp. 800,000 per day with maximum hospitalization of 60 days a year. However, Manulife applies a relatively low limit per treatment, even though there is no combined limit limit for a year.
Manulife provides two benefits at once, life insurance and health insurance. The benefits of life insurance here are not unit-links because there is no investment element. In addition to protecting health costs, you get life insurance protection worth IDR 600,000,000. We know that some other health insurance also provides compensation if the insured dies. But the number is small. Nothing equals the coverage given by Manulife.
Check out the latest posts, Prudential vs. Health Insurance Manulife, Who is the Best?
Choose Which Insurance?
Depends on If you don't have insurance, my suggestion is to choose between Allianz, AXA or Manulife because they have the ideal ceiling. Meanwhile, if you already have insurance from the office and want to add coverage, my advice is to take Cigna because the premium is the most economical with a fair coverage.
What if you need health insurance for our parents? See article A Insurance for Old Age Health protecting up to the age of 79 years .
The importance of health and the high cost of medical treatment makes insurance that protects these costs an important part of any family financial planning . Especially if there are no health facilities from the workplace. Be sure to choose the insurance that best suits your needs and abilities, carefully. At least use the description above as a guide. Have a good choice! Want to know other information and what is the estimated insurance premium for you, see here .
Manulife: MiUltimate HealthCare, Cashless Change Health Insurance in Accordance with Bills
Manulife launches the latest pure health insurance product, MiUltimate HealthCare (MiUHC). This health insurance has a number of features that are better than insurance - other health insurance.
This is a cashless health insurance that makes payments according to the health bill (as charged) with an annual limit, without an inner limit .
Manulife explained that this is an insurance that provides basic benefits, namely Hospital Care Benefits and optional benefits, namely Outpatient Benefits, Dental Care Benefits, and Childbirth Benefits.
Parent's entry age is 18-70 years; Children: 6 months - 17 years.
Premium Payment Methods: Annual, Semester, Quarterly, and Monthly
The advantage over other health insurance is the following
# 1 Replacement according to bills without Inner Limit
Generally, health insurance applies the inner limit, which is the limit for each time you enter the hospital.
For example, the Rp. 500bb room plan in health insurance has an inner limit of Rp. 9.8 million for medicine and laboratory costs (Hospital Care Costs) and an annual limit of Rp. 215 million (for all replacements, not just drugs and labs).
That is, if you are hospitalized, the maximum drug and lab costs covered are Rp. 9.8 million. Moreover, the costs are borne by the participants even though the annual limit is still there.
With Manulife Mi Ultimate Health, all drug and lab bills will be replaced because there is no inner limit. There is only an annual limit.
The Rp. 500 rb room plan at Manulife MiUC has an annual limit of Rp. 1 M. That is, no matter how much the drug and lab costs will be covered as long as the annual limit is still available.
For example, entering the hospital costs 50 million drugs, Manulife will replace it because it is still within the annual limit.
If you use health insurance that has an inner limit (eg 9.8 million earlier), the 50 million bill will not be replaced.
You can see that health insurance without inner limits is more profitable.
# 2 There is no limit to the number of days of hospitalization in 1 year
Health insurance generally stipulates a maximum number of days of hospitalization in 1 year. There are 120 days or 150 days.
If the number of days of hospitalization has exceeded this limit, insurance will not be reimbursed, even though the annual limit is still there.
MiUltimate Healthcare Insurance does not limit the number of days of hospitalization. As long as the annual limit is still available, participants may continue hospitalization.
# 3 Automatic Room Plan Increases 3x Fold (without adding premiums) If Abroad
Manulife provides room cost benefits of 3x from the plan chosen when treated worldwide (except the United States).
For example, you choose a room plan of Rp. 500 thousand, so when you seek treatment abroad the benefits of automatic rooms increase 3x, which is Rp. 1.5 million (without additional fees).
This of course helps because overseas rooms are more expensive.
# 4 Discount on Family Insurance
Manulife gives a premium discount of 5% if it involves your family member (family plan) for a minimum of 3 insured and the discount applies to the overall premium paid.
For example, one family consists of 3 people, just buy 1 MiHC policy. No need to buy 3 policies.
Because this is pure health insurance, participants also do not need to buy life insurance or investment to be able to participate. Simply buy 1 health insurance policy.
# 5 Protection Until 80 Years of Age
Manulife provides protection for a long time, which is 80 years old. All participants are protected until the age of 80 years as long as the premium payment is smooth.
# 6 Additional Limit of 1 Billion (Free) for Critical Diseases
If you have a critical illness, Manulife Mi Ultimate Healthcare provides additional limits.
Interestingly, this additional limit is no additional premium. You don't need to pay more for this.
For example, the annual limit is Rp. 1M. Then get a critical illness, then Manulife automatically adds a limit of Rp 1M to 2 M (depending on the plan), so the total limit becomes Rp 2 M - 3 M.
Critical diseases that get additional limits are Cancer, Heart Attack, Kidney Failure, Transplantation, Organs.
# 7 Physiotherapy and Diagnostic Test Costs (CT San) Covered
MiUltimate provides replacements that are generally not provided by health insurance.
First in Indonesia, which offers new benefits, namely:
Physiotherapy Treatment Fee (60 days from the date of discharge)
Cost of Diagnostic Tests (Pre-hospitalized Care, 30 days before admission to Hospital) Reconstructive surgery due to mastectomy or accident
Nursing Costs by Nurses (max. 30 days after surgery or ICU as part of Care Fee After Inpatient)
Traditional Chinese Medicine (optional)
Treatment of Physiotherapy and Chiropractic (optional)
# 8 What is the Premium? Rp. 8-12 million for 3 family members
Is the premium expensive? Not really.
This is for example MiUltimate Healthcare health insurance for 3 family members (husband, wife and children).
The premium is Rp. 12 million a year.
Conclusion
Health Insurance is one of the most sought after. Especially since the Health BPJS was launched, many people need alternative health services.
Hopefully this guide can help you choose the best health insurance.
Refrence: Duwitmu
But the problem is, how to choose the Best Health Insurance .
With this intention, a review was conducted on offers from four leading insurance companies, namely Allianz health insurance, AXA health insurance, Manulife health insurance and Cigna health insurance . The four are quite well-known providers and have a hospital network that is among the most extensive.
Each of us sees and compares the benefits and premiums with each other.
Health insurance is an insurance that provides reimbursement of health costs if the policy holder is hospitalized due to an illness or accident. The amount of reimbursement is based on the number of bills from the hospital with certain limit based on the insurance plan taken.
Insurance is an important part of Managing Family Finance .
Health insurance is different from critical illness insurance. Critical illness insurance provides cash compensation if you suffer from certain critical illnesses. Cash compensation is given once on a lump-sum basis.
Before looking at each offer, it's good to discuss what the ideal criteria are. After that, we can determine which health insurance is good.
Choosing the Best Health Insurance: Allianz, AXA, Cigna, or Manulife
Best Health Insurance
According to various literatures and opinions of financial planners , things that should be considered are:- Cashless
With cashless, claim changes become easier. When you enter the hospital, you don't have to pay, but simply settle the bill by swiping the insurance card. There is no need to pay upfront, which then has to be reimbursed into insurance (reimbursement).
However, this cashless requires the hospital where you are treated to have cooperated with the Insurance because the hospital must own and install the machine to swipe the insurance card. If it is not cooperative, even though the insurance has a cashless claim system, you are forced to keep paying upfront and then complete it with a reimbursement.
- Broad Hospital Network
Cashless claims cannot be made in hospitals that do not have cooperation with insurance. Therefore, choose insurance that has a network of cooperation with many hospitals. Make sure the hospital is your subscription (if any) in collaboration with the health insurance that will be chosen.
- Plafond and appropriate premiums
Ideally the health insurance ceiling is chosen as desired. If the scheme is taken lower, when you are hospitalized, you have to incur additional costs to cover deficiencies that are not guaranteed.
Of course, the height of the ceiling is directly related to the amount of the premium. The more expensive the price of a hospital room, the more expensive the premium. Adjust premiums with ability, don't even burden your finances. Must be prepared for trade-offs between premiums and ceilings. Although it is often not easy, because of health issues, such as choosing a hospital room, people are more emotional and tend to want to be comfortable and good, which implies expensive room prices.
- Pure Health Insurance
Choose health insurance that stands alone, not a unit-link life insurance rider. Why? Expensive. In unit-links, premiums will be divided for life insurance, investment and new health insurance. The portion for health is small, so you have to pay more to get a higher ceiling. Not to mention, a number of unit-link fees are not small, which further reduces health premiums.
In pure insurance (see what Pure Insurance is here) , premiums are intended solely for health insurance coverage and deductions are also not as high as the unit-link fees , so the premium becomes cheaper or the insurance coverage becomes higher. If you want proof, compare the insurance coverage and the amount of premium between pure health insurance and health insurance that is part of the unit-link.
- Prioritize Hospitalization
Health costs include outpatient and hospitalization. We recommend that you focus on insurance that bears the cost of hospitalization because this treatment costs the most. If you have more money, you can take additional outpatient insurance.
- Without Limit per Treatment
There is a limit or ceiling that limits the maximum number of claims for health costs. Generally, insurance applies two types of limits, first is the combined limit of all treatments and the second is the limit per treatment. For example, the first limit limits the combined maintenance costs of IDR 250 million a year, while the second limit limits the cost of surgical treatment to IDR 10 million a year, consultation fees IDR 10 million a year and so on.
There is insurance that only uses the first limit, some are only the second limit and some are using both limits simultaneously. We recommend that you choose insurance that applies the first limit, or in other words does not limit the cost per treatment. The point is that flexible policyholders seek treatment for various treatments as long as the total limit is still there. Insurance that limits the first and second limits, of course, the least ideal.
- Pay attention to Auto Debit Credit Card Payments
Although it seems to make it easier and usually the monthly premium is paid (so it looks lighter), please carefully make payments with auto-debit credit cards (want to know how to manage a credit card, see here ) . If you are forced to use this method because insurance does not provide other payment alternatives, make sure you know when payment starts and how it works if you want to stop.
- Avoid Taking Health Insurance via Phone
Health insurance offers through tele-marketing began to appear frequently. Usually in collaboration with credit card issuers. Related to products that are quite complex, such as insurance, you should reflect, analyze and if you have time to do research, before making a decision. Therefore, I do not recommend taking immediate decisions when bidding by telemarketing. I have experienced the quick and concise process of the bidding myself, so that a lot of detailed information cannot be delivered due to limited time. If you are interested and need time to think about it, you can ask the insurance contact number, which you can contact when ready.
- Waiting Period for Disease
Health insurance requires a waiting period, some diseases cannot be claimed for a certain period from the date of insurance. For example, Cigna determined that the following diseases could only be claimed 12 months later, namely asthma; TB (Tuberculosis); kidney stones, urinary tract and bladder; high blood pressure (hypertension), heart and blood vessels; Diabetes (Diabetes Mellitus); Vertigo; and others. Ask the disease insurance what is the waiting period and how long does it take.
Observe Health Insurance
The family health insurance program that I submitted was 3 family members, a husband (41 years old), a wife (41 years old) and a girl (5 years old). The cost of an inpatient room is IDR 750,000 per day. The benefits of each insurance are presented in the table below (complete table take here ).
- ALLIANZ
The total premium a year is Rp. 11,250,000 for hospitalization. Interestingly, hospitalization restrictions in rooms worth Rp. 750,000 reach 180 days a year, including the highest among others. However, Allianz applies a limit per treatment that varies depending on the type of treatment. Meanwhile, the limit of the total limit is as long as there is no combination of treatments. Cashless system
- AXA
The total premium a year is Rp. 12,674,000 for hospitalization. Although more expensive among others, AXA does not apply a limit per treatment. Treatment is paid according to receipts, which are limited to the combined treatment limit of Rp80 million a year. There is a total combined limit of one year worth Rp. 250,000,000 per person. Hospitalization with rooms worth IDR 750,000 per day is maximum only 60 days a year, less than Allianz. Cashless system.
The health insurance discussed is provided by AXA General Insurance , not by AXA Mandiri Financial Services and AXA Financial Indonesia.
- CIGNA
Cigna has just launched a family health insurance, namely Family EaziCare . Premium is determined by how much compensation per day and the oldest age. For example in this example, daily compensation is Rp. 800,000 and the oldest age is 41 years, then the monthly premium is Rp. 716,600 (see details at Cigna premium ) or Rp. 8,599,200 per year for a maximum of five members. The premium is relatively cheap, let alone can provide coverage for up to five family members.
However, the form of benefits is somewhat different, namely cash compensation. When treated, compensation per day is given a lump-sum, for example Rp. 800 thousand, for a maximum of 60 days, no matter how much the room costs and actual treatment costs are incurred.
That is, less or more depends on the difference in total room costs and maintenance costs compared to the amount of compensation. Although the premium looks cheap, the benefits are smaller than other insurance premiums. Cashless system.
- MANULIFE
This health insurance is a rider or addition to term-life life insurance. Even though it is not pure health insurance, this program has interesting benefits, not inferior to pure insurance. The total annual premium is Rp 9,854,000 for hospitalization. In addition to the cheaper premiums from Allianz and AXA, the room costs are also higher, which is Rp. 800,000 per day with maximum hospitalization of 60 days a year. However, Manulife applies a relatively low limit per treatment, even though there is no combined limit limit for a year.
Manulife provides two benefits at once, life insurance and health insurance. The benefits of life insurance here are not unit-links because there is no investment element. In addition to protecting health costs, you get life insurance protection worth IDR 600,000,000. We know that some other health insurance also provides compensation if the insured dies. But the number is small. Nothing equals the coverage given by Manulife.
Check out the latest posts, Prudential vs. Health Insurance Manulife, Who is the Best?
Looking for the best
The four implement a cashless system, a family health insurance with inpatient facilities and not part of the unit-link. So for this criterion, everything is pretty good. Let's look at other criteria.Ceiling
AXA is most ideal because the treatment limit is quite large with one limit (the limit is not broken up per treatment), while others apply a different limit for each treatment. Allianz and Manulife do not have a total limit per year but limit the limit per treatment per year. For Manulife, because it provides additional life insurance coverage, we can reduce the life insurance coverage we already have and use the excess premium to increase health insurance premiums. Cigna limits both the limit per treatment and total limit. From the plafond side, Cigna was the smallest because he gave it in the form of cash plans, which did not change according to the cost of hospitalization and doctor's fees.Premium
The cheapest is Cigna because in addition to the smallest amount of premium, with the lowest premium, coverage can reach 5 family members (2 parents and 3 children). Meanwhile, other insurance, the premium is more expensive, and even then only for 3 family members (more members, higher premiums). But, again, premiums are related to benefits.Hospital Network
Everything has extensive cooperation. The information for AXA and Manulife can be seen here .Choose Which Insurance?
Depends on If you don't have insurance, my suggestion is to choose between Allianz, AXA or Manulife because they have the ideal ceiling. Meanwhile, if you already have insurance from the office and want to add coverage, my advice is to take Cigna because the premium is the most economical with a fair coverage.
What if you need health insurance for our parents? See article A Insurance for Old Age Health protecting up to the age of 79 years .
The importance of health and the high cost of medical treatment makes insurance that protects these costs an important part of any family financial planning . Especially if there are no health facilities from the workplace. Be sure to choose the insurance that best suits your needs and abilities, carefully. At least use the description above as a guide. Have a good choice! Want to know other information and what is the estimated insurance premium for you, see here .
Manulife: MiUltimate HealthCare, Cashless Change Health Insurance in Accordance with Bills
Manulife launches the latest pure health insurance product, MiUltimate HealthCare (MiUHC). This health insurance has a number of features that are better than insurance - other health insurance.
This is a cashless health insurance that makes payments according to the health bill (as charged) with an annual limit, without an inner limit .
Manulife explained that this is an insurance that provides basic benefits, namely Hospital Care Benefits and optional benefits, namely Outpatient Benefits, Dental Care Benefits, and Childbirth Benefits.
Parent's entry age is 18-70 years; Children: 6 months - 17 years.
Premium Payment Methods: Annual, Semester, Quarterly, and Monthly
The advantage over other health insurance is the following
# 1 Replacement according to bills without Inner Limit
Generally, health insurance applies the inner limit, which is the limit for each time you enter the hospital.
For example, the Rp. 500bb room plan in health insurance has an inner limit of Rp. 9.8 million for medicine and laboratory costs (Hospital Care Costs) and an annual limit of Rp. 215 million (for all replacements, not just drugs and labs).
That is, if you are hospitalized, the maximum drug and lab costs covered are Rp. 9.8 million. Moreover, the costs are borne by the participants even though the annual limit is still there.
With Manulife Mi Ultimate Health, all drug and lab bills will be replaced because there is no inner limit. There is only an annual limit.
The Rp. 500 rb room plan at Manulife MiUC has an annual limit of Rp. 1 M. That is, no matter how much the drug and lab costs will be covered as long as the annual limit is still available.
For example, entering the hospital costs 50 million drugs, Manulife will replace it because it is still within the annual limit.
If you use health insurance that has an inner limit (eg 9.8 million earlier), the 50 million bill will not be replaced.
You can see that health insurance without inner limits is more profitable.
# 2 There is no limit to the number of days of hospitalization in 1 year
Health insurance generally stipulates a maximum number of days of hospitalization in 1 year. There are 120 days or 150 days.
If the number of days of hospitalization has exceeded this limit, insurance will not be reimbursed, even though the annual limit is still there.
MiUltimate Healthcare Insurance does not limit the number of days of hospitalization. As long as the annual limit is still available, participants may continue hospitalization.
# 3 Automatic Room Plan Increases 3x Fold (without adding premiums) If Abroad
Manulife provides room cost benefits of 3x from the plan chosen when treated worldwide (except the United States).
For example, you choose a room plan of Rp. 500 thousand, so when you seek treatment abroad the benefits of automatic rooms increase 3x, which is Rp. 1.5 million (without additional fees).
This of course helps because overseas rooms are more expensive.
# 4 Discount on Family Insurance
Manulife gives a premium discount of 5% if it involves your family member (family plan) for a minimum of 3 insured and the discount applies to the overall premium paid.
For example, one family consists of 3 people, just buy 1 MiHC policy. No need to buy 3 policies.
Because this is pure health insurance, participants also do not need to buy life insurance or investment to be able to participate. Simply buy 1 health insurance policy.
# 5 Protection Until 80 Years of Age
Manulife provides protection for a long time, which is 80 years old. All participants are protected until the age of 80 years as long as the premium payment is smooth.
# 6 Additional Limit of 1 Billion (Free) for Critical Diseases
If you have a critical illness, Manulife Mi Ultimate Healthcare provides additional limits.
Interestingly, this additional limit is no additional premium. You don't need to pay more for this.
For example, the annual limit is Rp. 1M. Then get a critical illness, then Manulife automatically adds a limit of Rp 1M to 2 M (depending on the plan), so the total limit becomes Rp 2 M - 3 M.
Critical diseases that get additional limits are Cancer, Heart Attack, Kidney Failure, Transplantation, Organs.
# 7 Physiotherapy and Diagnostic Test Costs (CT San) Covered
MiUltimate provides replacements that are generally not provided by health insurance.
First in Indonesia, which offers new benefits, namely:
Physiotherapy Treatment Fee (60 days from the date of discharge)
Cost of Diagnostic Tests (Pre-hospitalized Care, 30 days before admission to Hospital) Reconstructive surgery due to mastectomy or accident
Nursing Costs by Nurses (max. 30 days after surgery or ICU as part of Care Fee After Inpatient)
Traditional Chinese Medicine (optional)
Treatment of Physiotherapy and Chiropractic (optional)
# 8 What is the Premium? Rp. 8-12 million for 3 family members
Is the premium expensive? Not really.
This is for example MiUltimate Healthcare health insurance for 3 family members (husband, wife and children).
The premium is Rp. 12 million a year.
Conclusion
Health Insurance is one of the most sought after. Especially since the Health BPJS was launched, many people need alternative health services.
Hopefully this guide can help you choose the best health insurance.
Refrence: Duwitmu