The health risks to the elderly are certainly greater than the health risks borne by the young. Therefore it is important to provide protection in the form of health insurance for parents. Let's look at the recommendations for health insurance in Indonesia for the elderly in this article!
Health Insurance Recommendations for Parents
We provide 7 recommendations for insurance products that you can use as references:
1. Cigna Health Insurance
The first recommendation we gave was Cigna health insurance with a product called Cigna Family EaziLife.
Offers comprehensive coverage for a maximum of 7 family members in 1 police officer at a time. The following are the benefits provided by Cigna:
- Cancer
- Kidney failure
- Lung disease
- Bacterial meningitis
- Cerebral vascular disease (stroke)
2. AXA Mandiri Financial Services
Is a type of product bancassurance that offers protection for the elderly.
This product provides protection for policyholders with an age range of 18-80 years. So it is very suitable for elderly people who are prone to disease.
Here are some of the benefits that you can get from AXA Mandiri:
- Cash compensation per day for inpatient conditions
- Disability compensation
- Compensation for funeral expenses due to an accident
- Free health consultation
3. Manulife Insurance
Maybe you are already familiar with Manulife insurance. With a product called Manulife Value Protector.
One of the advantages of this Manulife insurance product is the Advanced Hospital Benefit Plus program which provides protection in the form of reimbursement for hospitalization costs due to illness or accident.
With 1 policy, you can protect all your members. Simple and useful, right?
Benefits provided by Manulife:
- Age borne up to 70 years
- Coverage for hospitalization costs which reaches 3 million/day
- Surgical operation cost coverage
- ICU room fee coverage
- Can be used in Indonesia and Malaysia
4. Cigna Second Life Life Insurance
Cigna has 1 more product that is suitable for parents, namely Cigna Second Life. Intended specifically for the elderly aged 55-80 years.
Simply by paying a premium of IDR 200 thousand – 300 thousand / month you can get the following benefits:
- Coverage up to 100 years
- Compensation for death
- Telemedical consulting services
5. Cigna Easy Future Life Insurance
1 more product from Cigna, namely Cigna Easy Future. This product is ready to provide protection of up to Rp. 1 billion for its customers.
Here are the benefits that you can get:
- Insurance costs if the insurance holder dies
- Compensation money if the customer is totally disabled
6. PruPrime Healthcare
PruPrime is a product of the Prudential company. Surely you are already familiar with Prudential, right? Here are some of the advantages that you can get from PruPrime:
- Age range of customers covered is 1-85 years old
- 50% premium refund if there is no claim for 1 year of the current policy
- Annual benefit limit can reach 1.5 billion
7. AIA Premier Hospital & Surgical
AIA Premier Hospital & Surgical has the main advantage that you can use this insurance product overseas.
Here are some of the benefits:
- The age range of the customers covered is 88 years old
- Insurance applies overseas
Health Insurance Benefits for Parents
1. Minimizing risk
The disease that threatens the elderly is certainly very terrible. Usually the costs required for treatment are not cheap.
Therefore the role of insurance is very important to protect parents from these risks.
2. Maintain financial health
Considering that all medical expenses will be covered by the insurance, of course, your financial health will be maintained.
If at any time your parents need money for treatment, you don't have to worry anymore.
3. The form of devotion of children to parents
Giving more protection to parents is also a form of children's devotion to parents.
That way, parents can feel more cared for by their children.
If you already have BPJS, is it important to have health insurance?
Most parents today may already have BPJS as the party that provides coverage if at any time people fall ill.
However, services from BPJS usually have long queues so that patients cannot get treatment quickly.
Therefore, it is also important to have protection from private insurance. Considering that the services provided are faster and the types of drugs are not limited.
Questions About Insurance for Parents
1. What is the range of premium costs?
Usually, the older the registered customer, the more the monthly premium will be.
2. When is the right time to register parents for health insurance?
Preferably before entering the age of 60 years, because usually over the age of 60 premium fees are quite expensive
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