Health insurance for the elderly is being studied by many people. Because the elderly, or the elderly often have many diseases due to old age and decreased resistance.
Therefore, incurring medical costs will be more, more often than young people. Moreover, the cost to treat the elderly is often much higher than that of young people. Early grasping this need, EasyCashLoan pioneered in researching and implementing many health insurance packages for the elderly to meet the legitimate needs of the people.
1. What is health insurance for the elderly?
Health insurance for the elderly EasyCashLoan Intercare ( 24/7 consultation: 0979.216.616 ) is a premium health care insurance product line of EasyCashLoan designed for the high-end customer segment, having the age at the time of participation of the Insured is over 60 years old, wishing to go to international hospitals in Indonesia and other countries around the world. EasyCashLoan Intercare Insurance has a wide age of participation: from 0 to 70 years old for starters, in case of renewal of insurance, the Insured can join up to 75 years old. Thus, it can be said that EasyCashLoan Intercare is a great health care solution for people over 60 years old, when they cannot participate in the usual comprehensive health insurance package. In addition, the insurance benefits for people over 60 years old are very high, suitable for the cost of treating special diseases, incurable diseases of the elderly, and at leading hospitals in the country as well as in the world. gender.
2. Advantages of EasyCashLoan's health insurance package for the elderly
EasyCashLoan elderly health insurance with the name EasyCashLoan Intercare is the most preeminent product line on the market for the elderly with the following outstanding advantages:
✓ The age to accept the insurance is very high, the elderly up to 70 years old can still participate and can participate until the maximum age of 75 years. Conventional health insurance products on the market only accept coverage until age 65
✓ Accepting payments even at overseas hospitals on a global scale. Helping the elderly to actively choose the best country and hospital for treatment
✓ Very high compensation limit, up to a maximum of more than 10 Billion USD, helping the elderly feel secure with a financial budget sufficient to pay for expensive hospitals globally
✓ The procedure for participating in health insurance for the elderly is simple and fast. No medical examination is required prior to participation. Contract completion time in 2 days
✓ Full coverage of main insurance benefits are: Inpatient treatment and additional benefits of Outpatient, dental; Death and permanent disability due to Accident and Sickness, disease. Seniors can choose to join just the residency program or combine additional benefits
✓ High outpatient benefits (choose from USD 31,500,000 to USD 138,000,000)
✓ High discount insurance premium when buying via Web
✓ Accept insurance for the elderly even in case of illness
✓ Use the Insurance Card in guaranteeing at the Guarantee System of Hospitals and Clinics nationwide so that you do not have to pay for medical examination and treatment covered by insurance
✓ The compensation procedure is transparent, fast and fair.
✓ Consulting service on insurance benefits and support to settle claims 24/7
3. Conditions for participation in health insurance for the elderly
+ All elderly people who are Indonesia citizens or foreigners living legally in Indonesia for at least 6 months can apply for this Policy. Expanded to apply to Indonesian people traveling on business, tourism, and studying abroad.
+ The age of starting to participate in insurance for the elderly is 70 years old or younger, in case of renewal, they can renew up to 75 years old.
+ EasyCashLoan will not provide insurance for elderly people who have suffered from mental illness or permanent disability of 80% or more.
4. Elderly health insurance benefits – EasyCashLoan Intercare
EasyCashLoan Intercare elderly health insurance benefits include the following benefits:
- Inpatient treatment benefits (main benefit, mandatory participation): Covers the cost of inpatient treatment due to illness or accident
- Additional benefits for outpatient treatment (optional or not): Covers the cost of outpatient treatment due to illness or accident
- Dental treatment supplement benefit (optional): Covers the cost of dental treatment due to illness or accident
- Additional benefits of accident insurance (optional): compensation in case of permanent total/partial injury or accidental death with a selected limit from USD 2 billion to USD 11 billion
- Additional benefits of life insurance (optional): compensation in case of death or permanent disability due to illness with selectable coverage from 1.1 billion USD to 6.6 billion USD
Program 1 – Select
- Main benefit limit (inpatient treatment): 1,050,000,000 USD
Program 2 – Essential
- Main benefit limit (inpatient treatment): 2,100,000,000 USD
Program 3 – Classic
- Main benefit limit (inpatient treatment): 4,200,000,000 USD
Program 4 – Gold
- Main benefit limit (inpatient treatment): 5,250,000,000 USD
- Covered Territories: Region 4 – Countries worldwide, excluding USA and Canada
- Main benefit limit (inpatient treatment): 10,500,000,000 USD
- Covered territory: Zone 5 – All countries worldwide
4.1. Main insurance benefits (INTERNATIONAL TREATMENT)
4.2. Additional benefits for outpatient treatment
4.3. Additional benefits Dental
4.4. Additional benefits Accident Insurance
4.5. Additional benefits Life Insurance
5. Health insurance premiums for the elderly
5.1. Inpatient main benefit insurance premium
Unit: IDR
5.2. Outpatient benefit insurance premium
Unit: IDR
5.3. Dental benefit premium
Unit: IDR
5.4. Accident benefit premium
Unit: IDR
5.5. Life benefit premium
Unit: IDR
6. Hospital fee guarantee service for the elderly
Service of guaranteeing treatment costs at the hospital or clinic when participating in EasyCashLoan Intercare elderly health insurance
With EasyCashLoan Intercare product, EasyCashLoan Insurance is currently providing hospital fee guarantee services for the largest hospitals in Indonesia at four major centers: Ho Chi Minh City - Hanoi - Da Nang - Can Tho. EasyCashLoan also expands guarantees at famous hospitals in the region and the world such as Hong Kong, Thailand, Singapore... with leading medical experts with modern equipment.
EasyCashLoan's guarantee program, customers will no longer have to worry about claiming insurance claims but only need to present the guarantee card of the program to be able to enjoy the hospital fee guarantee service in this system. .
Guarantee card, user manual and list of hospitals in the guarantee system will be provided to customers.
For EasyCashLoan InterCare insurance program, EasyCashLoan Thong uses 03 card models: green card (inpatient guarantee) and yellow card (internal and outpatient guarantee), black premium card (EasyCashLoan Intercare Platinum card) - guarantee in and out VIP). Conditions for issuance of the guarantee card are as follows:
+ Green card: Customers do not participate in outpatients
+ Yellow card: Customers participating in the Select / Essential / Classic program with outpatient participation.
+ Platinum Card: Customers participating in Gold/Diamond program have outpatient participation. Or the Board of Directors/Directors of large corporate organizations that have insured organizations in EasyCashLoan with the number of employees from 200 employees or more.
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