Find the Best Health Insurance Plan That Fits You

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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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!

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!

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.

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.

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.