Live a Peaceful and Secure Life, The 4 Best Private Insurance Plans This Year
Having the right health protection is the key to living a peaceful and safe life amidst various risks of disease and accidents.
Private insurance is a solution for those seeking fast, flexible, and comprehensive services, complementing the benefits of BPJS Kesehatan.
The following The Health Universe will provide complete information about the 4 best private insurances this year that can help you live more peacefully and safely.
Why Private Insurance is Important for a Peaceful Life
Private insurance is a choice for many Indonesians because it offers fast, flexible, and high-quality services. Direct supervision by the Financial Services Authority (OJK) ensures the credibility and security of private insurance. Private insurance is optional and tailored to an individual’s needs and financial situation.
If BPJS Kesehatan benefits are deemed insufficient to cover the health risks of yourself and your family, private insurance can be an effective complement. By paying premiums according to your means, customers can obtain more comprehensive protection from illness and accidents.
Furthermore, the increasing cost of healthcare makes private insurance essential. This additional protection provides peace of mind, as customers don’t need to worry about unexpected expenses due to illness or accidents.
Advantages of Private Insurance Compared to BPJS Kesehatan
The main differences between BPJS Kesehatan and private insurance are seen in the premiums and benefits. Private insurance premiums are adjusted based on age, gender, lifestyle, occupation, and the coverage chosen. The more comprehensive the benefits desired, the higher the premium.
Private insurance benefits typically cover inpatient care, outpatient care, maternity care, dental care, eyeglasses, general check-ups, and even death benefits. Customers can also add riders for critical illnesses or investments, providing more comprehensive protection. Meanwhile, BPJS premiums are set by the government, with basic benefits, including services from community health centers to hospitals.
Private insurance offers greater flexibility in claims and hospital networks. Customers can make cashless or reimbursement claims, submit double claims, and access selected hospitals, including those abroad. BPJS is only valid at domestic healthcare facilities and follows a tiered healthcare system.
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More Comprehensive and Faster Service
Private insurance provides faster and more convenient service. Although queues may still occur, customers receive adequate facilities, such as comfortable waiting rooms and priority service. This encourages many people to pay higher premiums for convenience and efficiency.
Furthermore, private insurance offers additional riders that serve as both protection and investment. This product allows customers not only to be protected but also to prepare for their financial future through investment fund growth.
With fast service, comprehensive facilities, and investment options, private insurance offers a sense of security and comfort. This makes it a popular choice for those seeking a secure and protected life.
4 Best Private Insurance Recommendations
Prudential is Indonesia’s largest insurance company with over 168 years of experience. Its flagship product, PRUPrime Healthcare Plus, offers comprehensive health coverage and additional riders, with assets reaching IDR 64.87 trillion.
Allianz Indonesia offers packages such as Flexi Medical and SmartHealth Maxi Violet, covering inpatient, outpatient, maternity, and additional benefits. Premiums start at IDR 430,000 per month, suitable for individuals and families.
AXA Mandiri offers SmartMedicare with monthly premiums starting at IDR 144,000, covering inpatient, outpatient, doctor visits, emergency, and ambulance coverage. AXA Mandiri also provides life insurance, critical illness, and sharia insurance.
Sequis Life offers six health insurance packages with benefits of up to IDR 90 billion per year. Managed by more than 9,500 professional marketers and supervised by the OJK, Sequis Life emphasizes individual and group customer service with digital and agent distribution options.
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