Find the Best Health Insurance Plan That Fits You
Why Buy Health Insurance from Lifepal?
At Lifepal, you can easily compare health insurance policies from trusted providers online. Find the best coverage at a price that suits your budget. Just fill out the form above and check health insurance premiums tailored to your profile.
Best 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
What Does Health Insurance Typically Cover?
Each insurance provider offers different policy benefits, varying in coverage, hospital networks, and premium costs. Below are the basic benefits that health insurance generally covers—and what it typically doesn’t:
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Additional Health Insurance Benefits (Riders)
To enjoy more comprehensive coverage, you can enhance your policy with optional benefits or “Riders.” Riders require an additional premium fee and offer extra protection beyond basic coverage:
- Outpatient Insurance covers doctor consultations, diagnostic tests, and prescriptions—without requiring hospitalization.
- Hospital Cash Plan offers daily cash benefits while the insured is hospitalized.
- Dental Insurance covers routine dental care such as scaling, fillings, and procedures like wisdom tooth surgery.
- Maternity Insurance includes healthcare during pregnancy, childbirth costs, and newborn care.
How Much Is Health Insurance Premium at Lifepal?
Your health insurance premium is determined by personal factors that reflect your level of risk and medical needs. Key factors include:
- Age: Generally, premiums are higher for older individuals due to increased health risks.
- Gender: Insurance companies consider gender-related medical tendencies when calculating premiums.
- Personal & Family Health History: If you or your immediate family have a history of chronic conditions, your premium may be higher to reflect increased health risk.
- Lifestyle & Occupation: For example, smokers typically face higher premiums due to elevated risks for illnesses such as lung cancer, heart disease, and stroke.
Fill out the form above to see premium rates tailored to your personal profile!
Health Insurance FAQ
Is Lifepal registered with the OJK?
Lifepal is an insurance marketplace in Indonesia that’s committed to offering high-quality, affordable, and transparent insurance products to everyone. They collaborate with PT Anugrah Atma Adiguna, which is licensed and regulated by the Financial Services Authority (OJK) under KEP-018/KMK.17/1992 and is also a member of APPARINDO (60-2001/APPARINDO/2023). Right now, Lifepal works with several insurance companies like AXA Insurance Indonesia, Lippo, MAG, and April International.
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Are there family health insurance options on Lifepal?
Yep! Lifepal partners with over five top insurance companies in Indonesia, and many of them offer family health insurance plans. On Lifepal, you can choose a policy that covers up to 7 family members at once!
Are there health insurance options for kids on Lifepal?
Yes! Definitely! Lifepal partners with several health insurance providers that cover children from newborn age. So you can give your little one the best health protection right from the start!
What should you keep in mind when buying health insurance?
Here are a few things to look out for when choosing a health insurance plan:
- Read the fine print: Check the benefits, exclusions, coverage limits, duration, and whether outpatient care is included.
- Use the review period wisely: Most policies come with a 14-day review window. If it doesn’t feel right, you can cancel it and get your premium refunded.
- Match it to your real needs: Compare the benefits and limits with actual medical costs. For example, if hospital stays cost around Rp500,000/day, make sure your policy covers more than that per day.
- Don’t settle for the first option: Check out and compare different plans from several providers to get the best coverage at a good price.
How do you make a health insurance claim?
There are two common ways to claim your health insurance: cashless and reimbursement.
- Cashless: Just show your insurance card at a partner hospital. The insurance company takes care of the bill directly, so you don’t need to pay upfront. Just make sure the hospital is listed as a partner.
- Reimbursement: If you go to a non-partner hospital or don’t use cashless services, you’ll need to pay all medical costs first, then submit a claim. You’ll usually need to send in documents like receipts, diagnosis results, and a claim form to your insurance company.
What are the exclusions in health insurance?
Besides the benefits, there are also exclusion clauses you should look out for. These are risks that the insurance company won’t cover, and they’re clearly stated in the policy. Some common exclusions include:
- Self-inflicted injuries or suicide
- Organ transplants, including related care and treatment
- Supportive devices like wheelchairs, prosthetics, pacemakers, hearing aids, vision aids, etc.
- Dialysis and related treatments
- Experimental, traditional, or alternative treatments
- Mental health, neurological disorders, and addiction
- Treatments related to weight issues
- Cosmetic surgery or procedures
- Routine physical exams or medical checkups (MCU)
- Growth delays or hernia-related treatments
- Circumcision not caused by illness or injury
- Treatments for HIV/AIDS and other sexually transmitted diseases
- Vitamins or supplements without a medical need
- Family planning costs
Every insurance company has its own set of exclusions, so it’s super important to read through your policy carefully before signing up.