Health insurance is important because of the high cost of treatment. However, the majority of conventional health insurance is managed. I review some of the best sharia health insurance in 2019. Which is a good sharia health insurance product based on cheap premiums, easy claims and extensive protection.
According to the survey, which is quoted by Prudential Insurance (Prudential Syariah), in Indonesia health costs have risen to 11% in 2017. Almost everyone understands that.
The need for health care costs increases every year. This is felt by many people.
Even though there is BPJS Health, but for various reasons, health insurance, in my opinion, is still needed. Coverage, claims and services are the main reasons why health insurance is needed in addition to BPJS Health.
Insurance companies innovate by not only offering conventional health insurance but also Sharia health insurance for families.
It is time for Sharia insurance to be one of the products offered for very clear reasons, the majority of Indonesia's population is Muslim, so it needs Sharia-based insurance.
Frankly speaking, it is not easy to find Islamic insurance in Indonesia. Conventional insurance products are more numerous and more common than Islamic insurance in Indonesia.
I noted the 5 best sharia health insurance in 2019 that could be an option because it offers low-cost competitive premiums, easy claims and extensive protection services.
The following is a list of examples of sharia insurance, which include: Allianz health insurance, Prudential sharia insurance, Manulife, FWD insurance and Sunlife.
Allianz Health Insurance
Allianz health insurance has sharia health insurance, namely Allisya Care.
What is AlliSya Care from Allianz Syariah insurance?
AlliSya Care is a sharia managed health insurance where participants help each other with other participants through contributions paid to deal with an unexpected event.
AlliSya Care as allianz syariah insurance provides health insurance for individuals or families with a variety of Plan service options.
Allianz Sharia health insurance is stand-alone. He is a health insurance and not a rider (additional insurance). That means you don't need to buy another insurance to be able to take Allianz Sharia health insurance.
The allianz sharia insurance age provisions are: Entry Age: 15 days - 60 years (nearest birthday); Child Age 15 days - 18 years or 23 years for students (nearest birthday); Childbirth 16 (sixteen) - 45 (forty five) years for women (closest birthday)
Example of reimbursement of Allianz Sharia health insurance:
- Hospitalized in hospital, the cost of hospitalization is paid according to the maximum limit per year plan chosen, for example 500,000, - per day x number of days of hospitalization.
- Being treated in the ICU Room, the cost of treatment in the ICU Room will be paid according to the maximum limit per year of the chosen plan, for example 700,000, - per day x the number of days treated in the ICU room.
- Performing physiotherapy, the cost of physiotherapy is paid according to the maximum limit per selected plan year, for example 25,000, - per visit x the number of physiotherapist visits.
Allianz Health Insurance Premiums (age 46 years old, non-smoking male)
- Premiums of Rp 4,802,000
- Cashless; Room Rp. 750 thousand
- Doctor Visits Rp. 215,000 and Rp. 250,000 (Specialist Doctors)
- There is no maximum claim limit per year
Prudential Syariah
Prudential Insurance has sharia prudential, namely sharia health insurance, PRUPrime Healthcare Plus Sharia.
What is PRUPrime Healthcare Plus Syariah from Prudential Syariah insurance?
PRUPrime Healthcare Plus Syariah is a prudential Sharia health insurance which is an additional insurance (Rider) that provides health protection with payment of benefits according to hospital bills.
Sharia Prudential health insurance is a type of Prudential insurance that cannot be purchased alone, because the nature of this prudential health insurance is additional insurance (Rider), so you must have primary insurance before taking this Sharia Prudential health insurance.
For this list of Prudential insurance, the age provisions of Prudential Sharia insurance are as follows: Insured / Participant Entry Age: 1 month (actual age) - 70 years (next birthday) and Protection Period until the Insured / Participant Age: 55, 65, 75 , 85 or 99 years (actual age)
Sharia Prudential Health Insurance Premium (46 years old, male and not smoking)
- IDR 22,900,000 premium
- Cashless; Room Rp 900,000;
- Doctor's Visit Rp. 300,000 and Rp. 375,000 (Specialist Doctor)
- Maximum Total Health Insurance Benefits 450,000,000 per year
- At the age of 55 years, you have Rp. 93,655,000 can be taken
- Life Insurance: 500,000,000
Note: premiums on Prudential Islamic insurance are more expensive because health insurance here is additional insurance from life insurance.
Exception: Prudential sharia insurance does not pay insurance benefits in the event that the care and / or treatment is related
- Conditions that existed before the Additional Insurance came into effect or the Policy was restored (whichever comes first)
- Cosmetic plastic surgery measures
- Treatment that occurs within the first 30 days of the PRUPrime Healthcare Plus Sharia Additional Insurance takes effect or is restored, unless it is caused by an Accident
- Treatment of 18 specific illnesses that occur within the first 12 months from the Participation Start Date, or the date of last recovery (whichever is later), whether the Insured Participant has known it or not.
- Cancers whose signs and symptoms are known or have been diagnosed or treated within 90 days from the effective date, or the date of last recovery.
- The cost of treatment or testing related to HIV / AIDS or its complications that occur within 12 months from the effective date, or the policy recovery date in accordance with the policy provisions.
Manulife
Manulife has Sharia health insurance, which is Berkah HealthSafe.
What is HealthSafe Blessing?
Blessing HealthSafe Manulife is an additional insurance that provides benefits for the reimbursement of hospital care for the care of participants and their families (if any) at the hospital, which is equipped with cashless facilities.
Because of additional insurance, you have to buy basic insurance, which is Blessing SaveLink which is life insurance and investment according to Sharia principles.
Sharia Manulife Health Insurance Premium (age 46 years old, male and not smoking)
- IDR 15,000,000 premium
- Cashless; Room Rp. 800,000;
- Doctor Visits Rp. 400,000 and Rp. 800,000 (Specialist Doctors)
- There is no maximum claim limit per year
- Outpatient care is available for dialysis and cancer
- At the age of 55, you have Rp. 46,836,000 to be collected
- Life Insurance: 50,000,000
Manulife Sharia Health Insurance except where HealthSafe Blessing does not apply in the following circumstances:
- Circumstances previously existed, except this Insurance has lasted more than 24 (twenty four) months from the date of issue of the Policy.
- Services and treatments have nothing to do with diagnosis or treatment.
- Outpatient, medical check-up, medical examination.
- Congenital abnormalities.
- Examination, Dental Care
- Aesthetic surgery, construction surgery, eye glasses and eye refraction abnormalities / complications
- Pregnancy, childbirth, miscarriage, prenatal or postnatal care, or illness / complications resulting from / accident in pregnancy.
- Vaccination or immunization.
- Circumcision unless caused by illness or injury.
- Medication due to alcoholic beverages or prohibited substances, treatment for alcoholism or illicit addiction.
- Acts of suicide or self-injury whether consciously or not, undergoing execution by the Court, due to Participants committing a crime, due to a crime or murder committed by those concerned with insurance. Carrying out executions by the Court.
FWD Life
FWD Life offers sharia family health insurance, which is Reliable Insurance.
What is Reliable Free Insurance?
Reliable free insurance is cashless sharia health insurance. The insurance benefits are room costs, doctor fees, medicines, post-hospitalization care costs, surgery costs and lab checks with a value of benefits of up to Rp 100,000,000 per year.
Reliable Free Insurance is purchased online via the FWD Life website. Selling via online has become an interesting feature.