Getting The TOP Health Cover in Jakarta, Indonesia.

13 Sep

Have you had yourself covered with Indonesian National Health Insurance offered by BPJS Kesehatan? Go get one if you haven’t. It is the cheapest health insurance in Indonesia. If you are Indonesian or Foreigner who have stayed in Indonesia for more than 6 months, you can apply and get it as soon as you pay the premium. It can give you at least a bumper in case you had some financial difficulty and need to get medical treatment. It even cover birth expenses. Get it if you are too scared of getting a private health insurance from a private insurance company. Well it is compulsory anyway by 2019.

For people in a different group, who already have steady income and have no worries for money spent, health cover is all about additional lifestyle benefit. You have to do every check up in Singapore, have operations in Malaysia/China, or maybe for some specific treatment you just have to go to the top medical provider in countries like USA, Europe, Korea or Japan. Well even though money is not the problem but if you can pay with a discount for a full service,  I’m sure even the richest will take that option.

I got an offer last time from a friend who is an agent at PT. AIA Financial. He offered me a top notch hospital cover called Premier Health & SurgicalGoldI read the proposal and make a similar illustration using PT. Asuransi Jiwa Sequis Life product called Sequis Q Health Global Plus.

Sequis used to be famous for its “As Charged” cover with an annual limit. But lately, more insurance company apply the same “As Charged” cover method, than “Up to The Limit” per disability/ per medical treatment. Both AIA Premier H&S Gold and Sequis Q Health Global Plus apply the “As Charged” method with a difference : AIA PHS Gold use “As Charged” with per disability limit and per annual limit. While SQ Health Global Plus straight “As Charged” until it reach the annual limit or whole life limit.

Now let’s start take a look closely at each benefit from AIA Premier Health & Surgical – Gold versus Sequis Q  Health Global Plus :

1. Health Insurance Coverage Area

a. PHS Gold : Indonesia, Malaysia, and Singapore

b. HGP : Worldwide (every country in the world with no exception)

2. Health Insurance Age Cover

a. PHS Gold : until 80 years old

b. HGP : until 85 years old

3. Annual Limit

a. PHS Gold : Rp. 5.000.000.000,00 (5 billion rupiah)

b. HGP : US$450,000 (450 thousand dollars) with maximum conversion equal up to 5.5 billion rupiah

4. Per Disability Limit

a. PHS Gold : Rp. 1.000.000.000,00 (1 billion rupiah)

b. HGP : n/a (unless specified below)

5. Hospitalisation Cash Benefit

a. PHS Gold : Rp.2.000.000,00 (2 million rupiah) / day, maximum 20 days per policy year.

b. HGP : n/a

6. Hospitalisation and Outpatient Benefit

a. AIA Premier Hospital and Surgical – Gold :

– Dialysis and/or Cancer treatment, max. Rp.300.000.000,00 (three hundred million rupiah) per policy year

– Physiotherapy treatment, max. Rp.1.500.000,00 (one million five hundred thousand rupiah) per visit

*>Hospitalisation and Outpatient cost will be covered “As Charged” (note : reasonable cost and medically necessary, up to per disability limit) for :

Hospital Room, max. cost is the lowest price at the hospital for 1 bed/room, max. 150 days/policy year

ICU, max. twice the cost of Hospital Room, max. 150 days/policy year

Surgery (minor, intermediate, ,major, complex, outpatient surgery), which include surgeon, operator assistant, anesthesiologist, operating room, recovery room, surgical equipment and necessary operating medicine

General practitioners visit, max. 1 visit per day during hospitalisation

Specialist visit, max. 1 visit per day during hospitalisation

Ambulance cost during hospitalisation

Miscellaneous cost of hospital care during hospitalisation, which include supporting examination and treatment

Prosthesis and/or Implantation cost

Treatment Before Hospitalisation, max. 30 days before hospitalisation, which include laboratory tests and diagnosis

Treatment After Hospitalisation, max. 60 days after hospitalisation, which include laboratory tests and diagnosis

Outpatient Emergency Treatment due to Accident

Dental Treatment due to Accident

b. Sequis Q Health Global Plus : 

Hospital Room, max. US$450/day (max. conversion 5.5 million rupiah), 150 days per policy year

Emergency Room, max. US$450/disability

Medical Report, max. US$100/medical report, max. 1 medical report per disability

Companion at Hospital – Accommodation Cost (if insured person age below 15 y.o.), max. US$150/day, 14 days per policy year

Hospitalisation Admin Cost (include tax and stamp duty) – max. US$50

Ambulance cost, max. US$500 per policy year

Outpatient Dialysis Treatment benefit, max. US$10,000 per policy year

Outpatient Cancer Treatment benefit, max. US$10,000 per policy year

Additional Cancer or Heart Attack Benefit, US$30,000

Prosthesis and Implantation, max. US$1,500 per policy year

Physiotherapy Treatment benefit, max. US$150/treatment, max. 60 days after hospitalisation, max.60 days per policy year

Private Nurse at Home, max. US$150/day, max. 120 days per policy year

Additional Death Benefit due to Accident, until 60 years old, US$150,000

*> Hospitalisation and Outpatient Cost will be covered “As Charged” (note : reasonable cost and medically necessary, up to the annual limit or whole life limit) for :

ICU, max. 45 days per policy year

Miscellaneous Hospital cost

Surgery ( include day surgery/outpatient surgery)

Daily Consultation with GP and Specialist, max. 2 visits per day, max. 150 days per policy year

Consultation with Specialist before hospitalisation/surgery, max. 30 days before hospitalisation

– Laboratory tests and diagnosis cost before hospitalisation, max. 30 days before hospitalisation

Treatment After Hospitalisation/Surgery, max. 90 days after hospitalisation

Outpatient Emergency Treatment due to Accident, max. 30 days after the accident

Dental Treatment due to Accident, max. 30 days after the accident

7. Local and International Medical Services for Travel Emergencies

a. PHS Gold : Available

b. HGP : Available

8. Health Insurance Cost

a. PHS Gold : Rp.2.629.000,00 / month

The above cost is for Female, 30 y.o. with rider AIA PHS – Gold 5 (Option A) which have additional birth benefit.

b. HGP : Rp.2.592.333,33 / month

The above cost is for Female, 30 y.o. with rider Health Global Plus.

If you wondered how much is the annual premium that we have to pay for this TOP Health Cover which benefit can reach up to 5 Billion Rupiah per year, the premium comfortably start from 100 million rupiah per year if you take a unit-link product, with minimum payment period of 10 years. ( Mine was prepared for 20 years premium payment period >.< )

That is all my summary for today, hope you have a great weekend.

Cheers!

Steviani, CPA, CFP®

Advertisements

Leave a Reply

Please log in using one of these methods to post your comment:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

w

Connecting to %s

%d bloggers like this: