Find the Best Family Health Insurance
Why Buy Family Health Insurance at Lifepal?
At Lifepal, you can get a family health insurance plan that covers up to 7 members under one policy at an affordable price. It comes with a wide hospital network and offers flexible claim options—cashless or reimbursement. Complete protection for your whole family, hassle-free!
Best Family Health Insurance Plans Available at Lifepal
Bandingkan Premi
- Limit tahunan s.d. Rp25 M
- 7400+ RS rekanan
- Usia masuk s.d. 65 tahun
- Usia perpanjangan polis s.d. 80 tahun
- Limit tahunan s.d. Rp300 juta
- 1200+ RS Rekanan
- Usia masuk s.d. 60 tahun
- Usia perpanjangan polis s.d. 65 tahun
- Limit tahunan s.d. Rp32 M
- 4800+RS Rekanan
- Menanggung RS internasional
- 1600+ RS rekanan
- Usia masuk s.d. 55 tahun
- Usia perpanjangan polis s.d. 70 tahun
- Limit tahunan s.d. Rp1,9 Miliar
- 1200+ RS rekanan
- Usia masuk s.d. 59 tahun
- Usia perpanjangan polis s.d. 75 tahun
How Family Health Insurance Works on Lifepal?
Lifepal partners with several top health insurance providers that offer coverage under a single policy. The premium for each family member can vary—for example, premiums for parents tend to be higher than for children. Here are some key points to keep in mind:
- Coverage includes up to 7 family members (parents and up to 5 children). If you have more than 5 children, additional premiums will apply.
- The policy expires when the oldest member reaches the maximum coverage age.
- The policy does not cover children who exceed the age limit stated in the insurance terms.
Family Plan or Individual Policy—Which Is Better?
Both family plans and individual health insurance policies offer similar benefits. The main difference lies in the number of people covered under one policy and how the premiums are calculated.
Some people assume that family plans are more expensive than individual ones. But that’s not always the case. In fact, insuring each family member individually can end up costing much more overall than choosing a family policy.
Family Insurance FAQ
Can you have both individual and family health insurance?
Yes, you can have both to maximize your protection. However, make sure you choose a health insurance plan that includes a Coordination of Benefits (COB) feature. With COB, two insurance providers can collaborate to cover the same person.
What Affects the Cost of Family Health Insurance Premiums?
- Policy Benefits and Limits: The more comprehensive the coverage and the higher the benefit limits, the more expensive the family health insurance will be.
- Number of Insured Members: The greater the number of people included in the policy, the higher the premium.
- Age of the Insured: Insurance companies also consider the age of the oldest family member. As age increases, the risk of illness tends to rise, which can significantly increase the premium.
What Are the Optional Add-ons (Riders) for Family Health Insurance?
With Lifepal’s family health insurance, you can enhance coverage by adding various riders—extra benefits that make protection even more complete for every family member. Riders can only be added after purchasing a basic health insurance policy, and they’re tailored to match the insured’s profile.
Some of the available rider options at Lifepal include:
- Outpatient Care: Covers medical treatment costs without requiring hospitalization.
- Hospital Cash Plan: Daily cash benefits when a family member is hospitalized.
- Maternity Insurance: Provides coverage from pregnancy through post-delivery care.
- Dental Insurance: Covers dental treatment costs for all family members.