Family health insurance is one of the basic needs that must be owned by everyone. This is because health is a crucial problem for many people, especially those who are married. Especially with the increasingly expensive medical costs, you need to find ways so that the illness you may experience later does not worsen your family's financial condition.
By having this insurance, you can protect yourself and your family from various health risks that may occur. That's why having health insurance can be a useful solution in the long term.
Come on, immediately have the best family health insurance to provide maximum protection for your family. For those of you who are still confused about what family insurance is, its benefits, and the best products, see the full discussion of The newbie below.
Understanding Family Health Insurance
Family health insurance is an insurance product issued by an insurance company to protect your family from health risks. Usually only one policy is issued. Therefore, this type of insurance is more practical than personal health insurance if you have a family.
Generally, this insurance provides protection for five family members consisting of the main insured (father or mother) and children. However, with the wide variety of health insurance products for families of various health insurance companies in Indonesia, it is possible for parents to be included in the coverage of other insureds.
Family Health Insurance Benefits
So what are the benefits of family health insurance?
1. Benefits of hospital treatment
health insurance benefit is provided if the insured has to undergo hospital treatment due to illness or accident. The amount of the benefit is in accordance with the nominal sum insured that has been selected.
2. Benefits of ICU care
The Insured will get daily benefits of ICU care with the amount of benefits per day according to the nominal sum insured that has been selected.
3. Outpatient benefits after hospital treatment
Applies to events that require the insured to receive outpatient treatment with a diagnosis of disease related to previous hospital treatment. Generally, benefits will be paid based on the amount billed up to the maximum benefit limit per hospitalization event.
4. Benefits of surgery
This includes minor, moderate, major, to special surgeries caused by illness or accident.
5. Assistance services at home and on the go
It should be noted that not all insurers offer this benefit. If the health insurance for the family you choose offers this benefit, it is generally in the form of assistance and assistance services to the insured. Whether at home or traveling for medical consultation, evaluation, referral, medical evacuation in an emergency, medical repatriation, cordial visits, prescription assistance, repatriation of corpses, pre-travel information, and so on.
6. Benefits of regular health check-ups
This benefit is to anticipate or detect health problems as early as possible. There is also the benefit of periodic health checks that can be insured.
7. Refund of premium
The insured can also get a premium refund. This return is a percentage and within a certain time of the total premium that has been paid, whether or not there is a claim.
8. Easy payment
Generally, payment facilities offered by various insurance companies are now available in the form of cashless and reimbursement .
Best Family Health Insurance Recommendations for 2022
For those of you who are looking for the best family health insurance as of 2022, here are the recommendations from The Newbie.
1. Allianz Smartmed Premier
The first recommended family health insurance product is Allianz Smartmed Premier.
Allianz itself is a leading insurance company from Germany that has served around 86 million customers in Indonesia.
Allianz Smartmed Premier products have 10 plans that can be tailored to the needs of you and your family.
The benefits are also very many, ranging from hospitalization, special benefits such as chemotherapy, to the benefits of options such as childbirth or dental care.
The wide network of health facilities and the easy accessibility of insurance are the main reasons why many people choose Allianz Smartmed Premier.
2. Manulife MiUltimate Healthcare
Manulife is also one of the most trusted providers of health insurance for families in Indonesia with the Manulife MiUltimate Healthcare product.
This insurance product is a pure health insurance without any investment element (unit link), so that it is more profitable for customers.
Some of the other benefits include payment according to the bill (as charged), a cashless system, to the availability of treatment abroad.
However, the most interesting benefit of Manulife MiUltimate Healthcare is that there is an annual limit of up to Rp. 1 billion per year for each husband, wife, and child.
This IDR 1 billion limit applies to each soul, not to 1 family!
3. Cigna Family Care Optima
Cigna Insurance calls its product “health insurance for 5 family members in 1 policy…”
In addition to offering key benefits such as the cost of medical treatment and procedures, Cigna Family Care Optima insurance also offers very affordable prices.
Premium prices start from IDR 480,000 per month with benefit services ranging from IDR 100 million to IDR 400 million.
In addition, Cigna also offers a 30% premium return every 5 years, whether you have a claim or not.
4. Asuransi AXA SmartCare Executive
In accordance with the tagline stated on the main website, AXA SmartCare Executive provides comprehensive protection for you and your family.
Some of the main advantages of AXA SmartCare Executive are:
- 24 hours service
- Extensive network of partner hospitals and clinics
- 50% discount for second child and beyond
- Easy checking via app
- Easy claim process
AXA insurance also comes from the Mandiri banking company, which is a BUMN business unit so that it can guarantee all the smooth processes.
5. Jagadiri Insurance
Pay for one but cover for five? Just choose Jagadiri insurance!
Yes, this family health insurance product has the same offers as Cigna Family Healthcare Optima insurance.
Jagadiri Insurance has a number of benefits ranging from inpatient compensation, surgery, to outpatient compensation, as well as protecting all types of diseases including HIV/AIDS.
In addition, you will also get a no claim bonus in the form of a premium return of 25% of the total annual premium and shopping vouchers for merchants selected
6. PRUPrime Healthcare Syariah
One of the best life insurance companies in Indonesia , Prudential, also offers health insurance. Sold under the product name PRUPrime Healthcare Syariah, this is an option for those of you who want a pure family health insurance product.
sharia health insurance provides health protection in accordance with sharia principles and is specially designed with various coverages of benefits. The benefits include:
- Payment of hospitalization costs up to IDR 8,000,000 per day (according to the chosen plan)
- Take care of the road
- Surgical action
- PRUprime sharia limit booster compensation with an annual compensation limit of up to IDR 35,000,000,000
Family Health Insurance Entry Age Limit
The age limit for entering this health insurance varies, depending on the type of product and policies provided by each insurance company. However, as a reference, the lowest and highest average entry age limits offered are:
1. The main insured entry age limit:
21 years to 65 years (nearest birthday)
2. Age limit for the insured spouse or other family members:
18 years to 60 years (nearest birthday)
3. The age limit for entering the insured child:
15 days to 18 years or 23 years for students (nearest birthday)
Protection Period of the Insured Family Health Insurance
On average, insurance companies offer health insurance coverage that can be extended to 70-85 years for the main participant and spouse, and an extension of up to 23 years for the insured child.
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So, which family health insurance product appeals to you the most? Hopefully you can get the health insurance for your family!
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