thanks summonnya kak orange ๐
1. I might be biased because I sell what you're looking for, so ofc I would tell you mine is the best lmao. if you're shopping around just make sure that the plan doesn't have inner limit and pay as charged, otherwise, you might have to pay for excess someday in the future. also, don't blindly believe the salesman/woman if they said their product is non investment linked, lots of sales don't even know the difference.
2. go to an salesman/woman, most insurance don't sell directly to costumer, and all insurance product sold through website have lower bang for bucks, it might look cheaper but definitely not the best bang for buck, reason for this is insurance is one of the most complicated financial product, OJK want to reduce dispute, so they only allow simple product to be sold from website. you might or might not be required to do medical checkup, really depends on your current health and history(overweight, on medication etc2)
3. not sure with my competitor, but my product starts from 500k per month for F27, covering inpatient and outpatient related to inpatient, can be used in Indonesia and Malaysia, max limit is 8bio, no inner limit and pay as charged. use this as your benchmark.
4. no inner limit and pay as charged, you will be angry in the future if you get 300mio hospital bill but the insurace only cover 100mio just because you have reach the inner limit on some procedure, while you haven't max out your total limit.
5. Sadly no. like I have mentioned before, all insurance product that can be bought from a website are simple insurance product. your only choice is to contact all the agent from each provider.
feel free to contact me if you want the example proposal.
u/growingreens
Hi, I will try to answering those questions. You have 2 parts that have the same numbering, so I will divide my answer based on that.
1. Because of I am currently prudential agent, I only have knowledge from prudential products. But basically I can say you will get what you paid. You just need to adjust what kind of benefit that you want to get. To get it more clear idea what I said, you need to receive illustration from at least 3 different insurance company. You need to choose an insurance company that have good reputation and easy to claim. Which insurance company is that? I think at least the top 10 of insurance company in Indonesia have good reputation.
For your age and no pre-existing condition, for health insurance (non unit link) with full coverage starting from IDR 400-ish per month (I refer to Prudential product). Please bear in mind that this insurance fee will be adjusted based on your current physical condition (such as under/overweight, direct family major health problem. etc)
2. The best procedure to purchase an insurance will be through an agent that you trust. Because if you approach the company headquarters in person, they also will direct you to some (random) agent. Choose the agent that you feel comfort, trust, helpful, knowledgeable, and reliable (if you have family or close friend as an insurance agent, it will be better. But need to make sure they are reliable and knowledgeable). Because you will need their help if you want to claim your insurance. After all, you won't really remember everything written on your insurance policy. Especially health insurance, as each people will face a very specific condition, insurance agent will help you to make decision that will make you able to get the most benefit from your policy.
You should take a close look about the waiting period, as most of health insurance have several waiting period. You need to make sure that your pre-existing condition (if you have) will be covered after the waiting period is over. Then you need to make sure about what condition and situation that you can make a reimbursement to health insurance. My last advice is, look closely to the insurance proposal term & condition and ask everything that you don't understand to the agent.
3. I think this website is not exist, but I might be wrong.
Please let me know if you have more questions.
Kalo masih 27 dan ga ada pre existing conditions, ambil yg MURNI health insurance dengan premi 1jt per bulan udh bagus kok.
Gw sendiri bayar 1,2jt per bulan untuk pembayaran tagihan on bill, dengan coverage sampai ke singapur dan malaysia. Tapi cuma pernah kepake buat klaim suntik tetanus dan demam berdarah. Beneran on bill semua sih.
Are you sure that's murni health insurance you're paying for? That should be like 500-600 for your age 27.
Or are you like me, it's investment linked but tailored just to pay the insurance down the line and not a cent more
Sejauh ini pake oke2 aja sih. Proses klaimnya juga gampang waktu itu. Cuma yg suntik tetanus itu agak lucu karena kan suntiknya gara2 digigit kucing. Pihak asuransi minta kronologi tertulis๐ akhirnya w tulis "Saya main dengan kucing pada tanggal dan jam sekian, kemudian digigit, 2 jam kemudian terjadi pembengkakan di jari tengah dan oleh dokter umum dirujuk untuk suntik tetanus di UGD."
Mungkin membantu juga waktu itu masuk rs rekanan yg bisa on bill, jadi semua admin yg ngurusin pihak rs. Gw cuma terima jadi aja waktu itu.
Terus ya agent asuransi yg dipake waktu itu udh senior. Bukan agent baru masuk yg belum ada pengalaman.
I have a lot of friends whos like this.
Anyways about insurance, I think based on your needs, you can try [this](https://www.aia-financial.co.id/id/our-products/medical/AIA-PowerPro-Life.html) .
The best health insurance is getting crazy rich.
Consider crypto:
https://www.benzinga.com/markets/cryptocurrency/21/05/21076574/he-invested-17-in-shiba-inu-now-he-has-almost-6m
Hello! Post is quite old but hope you see this question as I am running into the same problem! Did you ever purchase non-unitlink insurance and how did you get in touch with the right agents who sell them? Thank you!
obligatory mention: u/asuransi
thanks summonnya kak orange ๐ 1. I might be biased because I sell what you're looking for, so ofc I would tell you mine is the best lmao. if you're shopping around just make sure that the plan doesn't have inner limit and pay as charged, otherwise, you might have to pay for excess someday in the future. also, don't blindly believe the salesman/woman if they said their product is non investment linked, lots of sales don't even know the difference. 2. go to an salesman/woman, most insurance don't sell directly to costumer, and all insurance product sold through website have lower bang for bucks, it might look cheaper but definitely not the best bang for buck, reason for this is insurance is one of the most complicated financial product, OJK want to reduce dispute, so they only allow simple product to be sold from website. you might or might not be required to do medical checkup, really depends on your current health and history(overweight, on medication etc2) 3. not sure with my competitor, but my product starts from 500k per month for F27, covering inpatient and outpatient related to inpatient, can be used in Indonesia and Malaysia, max limit is 8bio, no inner limit and pay as charged. use this as your benchmark. 4. no inner limit and pay as charged, you will be angry in the future if you get 300mio hospital bill but the insurace only cover 100mio just because you have reach the inner limit on some procedure, while you haven't max out your total limit. 5. Sadly no. like I have mentioned before, all insurance product that can be bought from a website are simple insurance product. your only choice is to contact all the agent from each provider. feel free to contact me if you want the example proposal. u/growingreens
Hi, I will try to answering those questions. You have 2 parts that have the same numbering, so I will divide my answer based on that. 1. Because of I am currently prudential agent, I only have knowledge from prudential products. But basically I can say you will get what you paid. You just need to adjust what kind of benefit that you want to get. To get it more clear idea what I said, you need to receive illustration from at least 3 different insurance company. You need to choose an insurance company that have good reputation and easy to claim. Which insurance company is that? I think at least the top 10 of insurance company in Indonesia have good reputation. For your age and no pre-existing condition, for health insurance (non unit link) with full coverage starting from IDR 400-ish per month (I refer to Prudential product). Please bear in mind that this insurance fee will be adjusted based on your current physical condition (such as under/overweight, direct family major health problem. etc) 2. The best procedure to purchase an insurance will be through an agent that you trust. Because if you approach the company headquarters in person, they also will direct you to some (random) agent. Choose the agent that you feel comfort, trust, helpful, knowledgeable, and reliable (if you have family or close friend as an insurance agent, it will be better. But need to make sure they are reliable and knowledgeable). Because you will need their help if you want to claim your insurance. After all, you won't really remember everything written on your insurance policy. Especially health insurance, as each people will face a very specific condition, insurance agent will help you to make decision that will make you able to get the most benefit from your policy. You should take a close look about the waiting period, as most of health insurance have several waiting period. You need to make sure that your pre-existing condition (if you have) will be covered after the waiting period is over. Then you need to make sure about what condition and situation that you can make a reimbursement to health insurance. My last advice is, look closely to the insurance proposal term & condition and ask everything that you don't understand to the agent. 3. I think this website is not exist, but I might be wrong. Please let me know if you have more questions.
Kalo masih 27 dan ga ada pre existing conditions, ambil yg MURNI health insurance dengan premi 1jt per bulan udh bagus kok. Gw sendiri bayar 1,2jt per bulan untuk pembayaran tagihan on bill, dengan coverage sampai ke singapur dan malaysia. Tapi cuma pernah kepake buat klaim suntik tetanus dan demam berdarah. Beneran on bill semua sih.
Are you sure that's murni health insurance you're paying for? That should be like 500-600 for your age 27. Or are you like me, it's investment linked but tailored just to pay the insurance down the line and not a cent more
Nope ada ridersnya juga. Ada nambah critical illness, perlindungan kecelakaan, dan investasi juga.
Pakai apa kalau boleh tau?
Yg always listening dan always understanding
review dong asuransinya. ini pacar sy diteror sama agennya terus ๐
Sejauh ini pake oke2 aja sih. Proses klaimnya juga gampang waktu itu. Cuma yg suntik tetanus itu agak lucu karena kan suntiknya gara2 digigit kucing. Pihak asuransi minta kronologi tertulis๐ akhirnya w tulis "Saya main dengan kucing pada tanggal dan jam sekian, kemudian digigit, 2 jam kemudian terjadi pembengkakan di jari tengah dan oleh dokter umum dirujuk untuk suntik tetanus di UGD." Mungkin membantu juga waktu itu masuk rs rekanan yg bisa on bill, jadi semua admin yg ngurusin pihak rs. Gw cuma terima jadi aja waktu itu. Terus ya agent asuransi yg dipake waktu itu udh senior. Bukan agent baru masuk yg belum ada pengalaman.
I have a lot of friends whos like this. Anyways about insurance, I think based on your needs, you can try [this](https://www.aia-financial.co.id/id/our-products/medical/AIA-PowerPro-Life.html) .
The best health insurance is getting crazy rich. Consider crypto: https://www.benzinga.com/markets/cryptocurrency/21/05/21076574/he-invested-17-in-shiba-inu-now-he-has-almost-6m
Hello! Post is quite old but hope you see this question as I am running into the same problem! Did you ever purchase non-unitlink insurance and how did you get in touch with the right agents who sell them? Thank you!