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You don't have to be a top executive to get top medical cover with this affordable sharia-approved plan.

Health Insurance Benefit Summary

Frequently Asked Health Insurance Questions

Asuransi Bebas Handal benefits with FWD insurance card swipes can only be done at hospital partners in the territory of the Republic of Indonesia, for the use of insurance benefits outside the territory of the Republic of Indonesia applies with a reimbursement system.

Alternatively, Asuransi Bebas Handal also provides Emergency Medical Assistance Services in the form of Repatriation with Medical Assistance and Assistance for Repatriation of Bodies or Funeral/Cremation of Bodies if they occur outside the territory of the Republic of Indonesia

In addition to conditions contained in the exclusion, there are special illness including their complications that are excluded from the 12 month Waiting Period of the policy. The following are specific illness:

  • Disorded in nose, throat, tonsil, adenoid, sinus, septum that needs surgery
  • Tuberculosis (TBC)
  • Heart and Blood vessels disease
  • Brain blood vessel disease (stroke)
  • Hypertension (Hipertensi)
  • All type of Hepatitis, Liver Cirrhosis
  • Diabetes Mellitus
  • All disease in Reproductive system
  • All kinds of Hernia (include Hernia Nucleus Pulposus
  • All kinds of lump/tumour/cyst/cancer

The length of hospitalization stays covered by health insurance and BPJS Kesehatan depending on the benefits chosen. For Reliable Free Insurance health insurance, the maximum inpatient benefit is 150 calendar days per policy year

Health insurance is important to have because it can provide financial protection against unexpected costs from medical care.

Asuransi Bebas Handal is suitable for families with complete benefits from room costs, post-hospitalization care, doctor's fees and lab checks. There is also a daily cash benefit if you are hospitalized using BPJS Kesehatan.

Health Insurance Plan Comparison

Optimum option
Plan D
Inpatient
Benefit Limit per Policy year
RP100,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP350,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged
Plan C
Inpatient
Benefit Limit per Policy year
RP100,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP250,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged
Plan B
Inpatient
Benefit Limit per Policy year
RP50,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP350,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged
Plan A
Inpatient
Benefit Limit per Policy year
RP50,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP250,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged

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PT FWD Insurance Indonesia ("FWD Insurance") is licensed and supervised by the Financial Services Authority. FWD Insurance is a member or Alternative Dispute Resolution Agencies of Financial Services Sector
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