Recommended Health Insurances for Expatriates – Health Insurances for Expatriates is designed for those who are living and working abroad. It gives you and your family access to the best healthcare since many people are unaware of how expensive healthcare can be around the world. Thus, ensuring your medical needs are met is important.
Do you need it? Definitely yes.
Here is some recommended health insurances for Expatriates to help your peace of mind, knowing you are covered financially if a health problem ever arises.
AXA Mandiri International Exclusive Worldwide
AXA Mandiri always gives comprehensive coverage with worldwide services with the following details:
- Premium starts at IDR 3 million per month
- Cover the ICU expenses according to the hospital bill
- Cover hospitalization expenses according to the hospital bill
- Cover the visit for general and specialist practitioners according to the hospital bill
- Daily sum insured for a hospital stay starts from US$100 to US$230
- Annual limit starts from US$1,8 million to US$2,9 million
Lippo Insurance Health Protection
Lippo Health Insurance covers as charge, and provides insurance with details and benefits as follows:
- The service coverage region: worldwide
- Premium starts at IDR 400.000 per month
- Sum insured according to hospital bills (as charged)
- Cashless claim method
- Covers vitamins and medicines, without the need for in or outpatient care.
- Easy access to policy details, claim records, and hospital network from the mobile application
Cigna Premium Health Protection
Cigna Health Insurance frees its customers to choose a policy option according to their needs and budget! But before you choose this insurance, you need to check the details below:
- Premium starts at IDR 300.000 per month
- Coverage region: Indonesia, Singapore, Malaysia, Thailand
- Entry age for the main insured starts from age 18 to 70 years old
- Entry age for the insured children starts from age 6 months to 17 years old
- Coverage extension is valid until 80 years old
- Cover hospitalization and ICU expenses
- Cover pre and post hospitalization expenses
- Cover medical check-ups twice a year
Manulife MiUltimate HealthCare
Just like Cigna insurance, Manulife health insurance also provides a policy option according to customer needs and budget with the following details and benefits:
- Coverage region: worldwide
- Entry age for the main insured starts from age 18 to 70 years old
- Entry age for the insured children starts from age 30 days to 17 years old
- Daily sum insured for a hospital stay starts from IDR 500.000 to IDR 3 million (Indonesia & Malaysia)
- Daily sum insured for a hospital stay starts from IDR 3 million to IDR 9 million (outside Indonesia & Malaysia)
- Daily sum insured for ICU expenses according to hospital bills
- Daily visit for general and specialist practitioners according to hospital bills
- Sum insured for surgery according to hospital bills
- Daily hospital accommodation starts from IDR 500.000 to IDR 1,2 million
- Psychological counseling starts from IDR 1 million to IDR 2,3 million per year
PRUPrime HealthCare
Prudential PRUPrime Healthcare is one of the insurance companies that also provide policies according to customer needs and budget with some details as follows:
- Entry age starts from age 1 to 65 years old
- Policy extends coverage until the age of 85 years old
- Daily sum insured for a hospital stay up to IDR 8 million
- Cover the visit for specialist practitioners
- Annual limit: IDR 1,5 billion
- Return of premium 50 percent if no claim in the first year
- Policy can be used worldwide (except in the United States)
Health insurance offers financial protection through medical expenses covered when in case of health emergencies. The main benefits include the costs of hospitalization, outpatient care, surgery, and medical check-up. Meanwhile, some additional benefits are maternity, dental, and eye care. Make sure to check your policy to know the benefits that might be included in it.
On the other hand, insurance prices may vary depending on your age, lifestyle, type of coverage, and other factors. Just contact the insurance company that suits your needs and don’t forget to ask for the details thoroughly. You can check aboutthe travel insurance here. Hope it helps!
