Types of Health Insurance in Indonesia: A Quick Guide
Learn the types of health insurance in Indonesia. They look alike at first glance, but plans differ by fund manager, members, coverage and claims.
Types of health insurance – Before you sign up for health insurance, it helps to know the different types available in Indonesia. They may look the same at first glance, but health insurance in Indonesia comes in several varieties. These types are what set one insurance product apart from another. Because so many insurance companies now offer health coverage, you need to know what kind of plan you and your family need. Here are the types of health insurance available in Indonesia:
Fund Manager
One way to tell health insurance plans in Indonesia apart is by who manages the funds. By fund manager, insurance falls into two types: government funds and private funds. When the money comes from the government, the advantage is that healthcare spending can be monitored easily. The drawback is that the quality of healthcare services is often poor. Hospitals sometimes ask patients whether they have health coverage, and if the coverage is government-provided, the hospital's service tends to be worse.
Private health insurance is funded by private companies. The advantage of taking health insurance from a private company is that the quality of hospital care is relatively good. If you use coverage from a private insurer, you will receive better healthcare services.
Members
Health insurance also differs by its members. On this basis, it falls into two types: mandatory and voluntary. With mandatory insurance, every individual must join the policy set by the company. This is usually required by large companies for their employees, and the insurance premium is deducted from the employee's monthly salary.
With voluntary insurance, each individual has the right to join or not. It is usually based on the person's own wishes, so the coverage follows the needs or preferences of each person who signs up.
Costs Covered
Health insurance is also classified by the costs it pays. Every insurance company has its own policies. Some plans cover all of the healthcare costs a policyholder incurs. These usually include inpatient care, outpatient care, childbirth and more.
With the second type, the insurer covers only the highest costs. For example, if the largest item on a hospital bill is surgery, the insurance company pays only for the surgery.
Dependents
Insurance also differs by the number of people a plan covers. Some health insurance is designed for individuals, and some for groups. A group plan usually covers all members of a family.
Reimbursement Method
How funds or losses are repaid varies from one insurer to another. Some plans are cashless and others use reimbursement. With a cashless plan, the insurer settles the bill directly: the member presents a membership card at a hospital in the insurer's network. With a reimbursement plan, the policyholder must file a claim with the insurance company, and must first pay the hospital bill out of pocket.
If you want to become a health insurance customer, you can join Panin Dai-ichi Life health insurance. Panin Dai-ichi Life offers a range of health insurance products that can help and benefit you. The plan you choose can protect you and your family from a variety of risks, such as critical illness. You will also find it easy to receive payouts, and registration is not complicated. The healthier you are, the faster your application will be accepted. To sign up, you can go through Panin Dai-ichi Life insurance agents in several major cities or contact the office directly here. Panin Dai-ichi Life offers different types of health insurance to match your needs.
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