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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:
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.
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:
A family insurance plan doesn’t require you to pay individual premiums for all your family members, that’s why the premium is very affordable.
The cost of medical facilities keeps increasing due to inflation, so it’s getting higher by each year. Owning family insurance will make you stress-free from this expensive cost. In case of hospitalization, the insured family member will get medical treatment coverage from the sum insured in a network hospital.
Family insurance is often found as add-ons in health insurance plans, along with various benefits such as critical illness cover, accident benefit, maternity, etc. You are available to choose and add the benefits according to your needs.
Unlike individual health benefits, you can add a new family member easily to the plans and pay the additional premium costs. You don’t need to get a new policy every time there is a new addition to your family. Also, it’s best to increase your sum insured amount.
The main coverage of family insurance benefits are:
Other than main coverage, some family insurance companies will also give riders or add-ons to the policy such as:
Before you buy a family insurance plan, you have to read the policy document thoroughly in order to understand the policy exclusions in detail. Other than that, you also need to check the waiting period.
Health insurance plans for family usually have these exclusions:
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.
| Traditional | Sharia |
| 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). |
| Stand-alone | Riders |
| 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. |
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:
Complete benefits and higher limits will always cost the premium more, including the family insurance plans which provide international coverage.
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.
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.
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.
| Cashless | Reimbursement |
| 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. |
Consider these following tips below to find the best family insurance plans in Indonesia:
Before buying the family health insurance plan, it is very important to check the coverage offered under the plan. Choose the plan that covers your family’s health needs appropriately and within your budget.
Choose the family insurance where you can easily add new insured family members to the policy. If there is older family member died, the other member can add a new insured family member without losing its benefits.
The coordination of benefits is very convenient when you used BPJS Kesehatan to cover your medical expenses. If there are some expenses that can’t be covered with BPJS, thus the family insurance with these benefits will cover it.
Choose the family insurance with whole life coverage or until 99 years old. So when one family member reached older/oldest age, you don’t have to change the policy.
Find family insurance that provides a higher annual or inner limit that will cover the current hospital expenses. For example, if the hospitalization fee cost around Rp500 thousand, then you need to choose the plans which provide hospitalization fees above the nominal.
Cashless claims are hassle-free and seamless, it’s best to choose a family insurance plan who provides this method. Also, ensure that one of the providers with this claim method is available near your house.
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
Family health insurance is insurance that provides medical expenses coverage for your family member. All the insured family members will share a fixed sum insured or annual limit amount.
Best health insurance for family is the one that provides the main coverage for family members with affordable premiums and various benefits. For more best family insurance criteria, check here.
Family insurance premium costs are affected by various factors, such as age, number of insured family members, etc. Check out for more explanation here.
If you need health insurance for all your family members, then buying a family insurance plan is better than buying an individual health insurance plan. Because family insurance will cover all the medical expenses for your family members for a single sum insured or annual limit and you only pay a single premium. Buying an individual health insurance plan for each family member will give you an expensive cost.
If you already have employee benefits plans, it’s still convenient to have family insurance plans to give enough coverage for your entire family. And also, if you change a job, retire, or resigned from the company, the benefits will also cease to exist.
So a family insurance plan can help you during those situations to make the medical coverage still eligible for your family. We recommend you buy the stand-alone policy.
A family insurance plan is usually related to health insurance. A life insurance family is related to the benefits from the insurance itself, where life insurance helps ease the financial impact if you or your children become seriously ill, totally disabled, or died using lump-sum benefits or death benefits.
This death benefit can be used as everyday expenses, mortgage payments, education savings, retirement savings, and many more. You can read more about life insurance here!