Best Family Health Insurance Plans in Indonesia 2024
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10 Best Family Health Insurance Plans in Indonesia

Family health insurance is an insurance policy that covers an entire family (max. 5 people). Family insurance plans in Indonesia can be found as stand-alone policies or riders to a health insurance plan. Lifepal has concluded the top 10 best family health insurance plans in Indonesia:

What is Family Insurance?

Family insurance is basically a health insurance plan for the family, so it covers medical expenses for all your family members in one single health insurance policy.

In this health insurance for the family, you will get a fixed sum insured that is shared by all family members. This is done on assumption that not everyone will get sick at the same time.

Some family insurance work as a stand-alone policy in a form of health insurance with family coverage benefits, or a rider or add-ons for health insurance plans.

Usually, a family insurance plan covers inpatient benefits, but some of them also covered maternity benefits, dental care, outpatient care, pre and post-hospitalization, and even death benefits.

Reasons Why You Need Family Insurance

The rising cost of healthcare, especially during medical emergencies, can definitely cause financial strain. For that reason, health insurance has become a very important necessity.

The Indonesian government has a mandatory health insurance program called The Indonesia National Health Insurance or also known as BPJS Kesehatan. BPJS is eligible for anyone residing in Indonesia, including expats who work for a minimum of 6 months. However, BPJS only covers a maximum of 3 family members. However, this program has limited coverage, so we highly recommend you to have independent health insurance with a family benefits add-on at your own expense.

For instance, family insurance plans can cover a maximum of 5 family members with affordable premium costs.

Family coverage will be the best choice if you look for maximum protection for your family’s medical expenses, rather than buying individual health insurance for each family member

You will also get these benefits in family insurance plans:

Family Insurance Plan Benefits

The main coverage of family insurance benefits are:

  • Inpatient hospitalization
  • Outpatient
  • Surgery
  • Pre and post hospitalization

Other than main coverage, some family insurance companies will also give riders or add-ons to the policy such as:

  • Maternity
  • Dental care
  • Hospital cash plan
  • Ambulance charges

Types of Family Insurance Plans in Indonesia

There are different types of family insurance plans in Indonesia. Each type offers different coverages and benefits, so you have to choose carefully according to your needs.

Product Category

TraditionalSharia
Traditional family insurance is health insurance provided by a conventional or non-sharia insurance company. This type provides inpatient and outpatient coverage if one of your family members falls sick.This type of insurance gives almost the same benefit, the only difference is the concept where they are based on the Islamic law by using risk-sharing (members contribute money into a pool system to guarantee each other).

Benefits Category

Stand-aloneRiders
A stand-alone family health insurance provides the main coverage for the insured and their family members. Usually covers inpatient, outpatient, and surgery.Family insurance is also often found as riders or add-ons for health insurance plans. So if you want your health insurance to cover your family too, you have to pay an additional premium to get the benefit.

How Much Family Insurance Costs?

The family insurance’s premium cost ranged from Rp500 thousand to Rp18 million. Even though the family insurance’s premium cost looked expensive, it’s actually affordable considering it covers almost all your family members.

However, there are some factors that will affect your premium price:

1. Benefits and limits

Complete benefits and higher limits will always cost the premium more, including the family insurance plans which provide international coverage.

2. Main and additional insured

Most of the family insurance plans cover up to 4 family members. Certainly, insurance that covers 3 or lower numbers has a cheaper premium cost.

3. The insured age

Older family members are considered at high risk of getting an illness, so it makes the premium costs higher. So it’s better to insure your family member from a young age to get a cheaper premium cost.

How to Claim Family Insurance in Indonesia?

Family insurance claims in Indonesia use the same methods as health insurance: cashless or reimbursement methods.

Cashless is preferable as it is easier to process claims without having to collect documentation or need to pay the hospital bills in advance. But if your bills go beyond the limit or sum insured, you will have to pay the excess claims.

CashlessReimbursement
Submit your insurance card or insurance ID to the hospital → hospital confirms to the insurer → once approved, the claim is successful and you get medical treatment.Clear your hospital bills → report your claim to the insurer → make sure to submit all claim documents →  the insurance company will do the claim survey → once approved, the reimbursement claim is a success.

Tips to Find the Best Family Insurance Plans in Indonesia

Consider these following tips below to find the best family insurance plans in Indonesia:

How to Get Family Insurance at Lifepal?

Lifepal partnered with some of the top insurance companies that provide the best family insurance riders and stand-alone policies with various benefits for a maximum of 5 family members.

Lifepal also partnered with some of the s who provide this type of insurance such as AXA Mandiri and Lippo Insurance.

Lifepal is operating under a registered Broker License. The License is under PT Anugrah Atma Adiguna, supervised by OJK by KEP-018 / KMK.17 / 1992 and members of APPARINDO 60-2001 / APPARINDO / 2019

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