A problem with a healthcare insurance company

[snpark]

Bit late now to be checking if you already have it

And yes of course you can stop. Just don't pay it. But you will immediately lose all coverage and you don't get your premiums back

It's per claim (the deductible) so you got screwed

 

[Samoerai]

Bit late now to be checking if you already have it

And yes of course you can stop. Just don't pay it. But you will immediately lose all coverage and you don't get your premiums back

It's per claim (the deductible) so you got screwed

Cigna has accepted me, but at the moment I have to agree to their terms.
Also, if I accept then I also have 14 days to cancel according to their terms: 'free look period".


I found a page at a website of Cigna, that the deductible is per year. But I have to make this sure as a fact.

 

[harryopal1]

Apart from BPJS or as is the case with Australia's government Medicare where you are actually covered, it seems looking for private health insurance is like going in to a robber's den and asking, "Can someone please help me?" Their eyes sparkle and a chorus, "Yes, I can help."

 

[Samoerai]

Apart from BPJS or as is the case with Australia's government Medicare where you are actually covered, it seems looking for private health insurance is like going in to a robber's den and asking, "Can someone please help me?" Their eyes sparkle and a chorus, "Yes, I can help."
View attachment 3597

I feel the same way ... but actually in The Netherlands the health insurance system is very reliable ..

 

[snpark]

Allianz is one of the best in Indonesia
Covid covered
Direct payment so no pay now and get reimbursed claim etc
And some very good agents who will help you long after they got paid with paperwork or help etc. One I know even goes to the hospital to help her clients
I have Allianz so do my staff and most of my friends from the same agent
Are you Jakarta or Bali?

If you haven't signed then forget Cigna

 

[Samoerai]

Allianz is one of the best in Indonesia
Covid covered
Direct payment so no pay now and get reimbursed claim etc
And some very good agents who will help you long after they got paid with paperwork or help etc. One I know even goes to the hospital to help her clients
I have Allianz so do my staff and most of my friends from the same agent
Are you Jakarta or Bali?

If you haven't signed then forget Cigna

My wife has Allianz now. I also applied 1 year ago, did the medical check, but the underwriter still asked for medical records years ago, and even for records of a surgery 25 years ago in The Nerherlands. So .. I stopped the application, thinking what competence has this underwriter?

 

[snpark]

My wife has Allianz now. I also applied 1 year ago, did the medical check, but the underwriter still asked for medical records years ago, and even for records of a surgery 25 years ago in The Nerherlands. So .. I stopped the application, thinking what competence has this underwriter?

Over competence lol

 

[scouser59]

As I said in a previous comment ,during covid allianz were useless when I needed ,Bpjs did their job ,problem solved

I gave the agent a headache later also , also the useless customer service in jakarta ,I promptly cancelled the policy .

 

[snpark]

Thats why always go with the person not the company
Good agents live off referrals not just the short term commission

 

[Wisnu]

Cigna Indonesia is no longer part and providing support for Cigna international in Indonesia. Instead, SOS International provide this support. The approval process for in patient and procedures will take a bit more time, at least on my case recently.
I suspect certain hospital (at least one) in Indonesia charged significantly higher cost for the same procedure and service compared to other provider. I had ERCP procedure at hospital in Kota Wisata, the total cost was more less same as in best hospital in UK, significantly more expensive than RS Pondok Indah, where I moved to for the second and third procedure. The service at RS Pondok indah is way better.

 

[scouser59]

Thats why always go with the person not the company
Good agents live off referrals not just the short term commission

One would expect Allianz to have a decent caring customer service ,something like bupa etc ,in reality they dont give a sh1t whether you live or die , at the end of the day you have to rely on their assistance ,your "wonderful" agent could be unavailable .
With bupa you have a doctor available and medically trained staff whom handle your case ,including ambulance , required doctor ,everything you might need to survive .

The difference between allianz indonesia and bupa is like night and day ,

 

[snpark]

One would expect Allianz to have a decent caring customer service ,something like bupa etc ,in reality they dont give a sh1t whether you live or die , at the end of the day you have to rely on their assistance ,your "wonderful" agent could be unavailable .
With bupa you have a doctor available and medically trained staff whom handle your case ,including ambulance , required doctor ,everything you might need to survive .

That's why Bupa is supa-mahal

 

[scouser59]

That's why Bupa is supa-mahal

Thanks to my Bpjs backup ,which worked .

 

[Samoerai]

That's why Bupa is supa-mahal

It is? I never heard of Bupa.

 

[scouser59]

It is? I never heard of Bupa.

Bupa is the gold standard , ya it aint cheap , but I was lucky in the past to have it paid for by previous employers , I seen it in action with friends whom needed it .

 

[snpark]

Bupa was the flagship for private healthcare in UK many moons ago

Now mostly online for expats

www.bupa-intl.com

 

[pantaiema]

No, it is just an option, one can choose to reduce the premium. The one I choose is a deductable of 7400 euro (or: 10,000 US dollars).

So you pay for healthcare insurance with a premium of EUR160 per month, and you are prepared to cover any treatment costs below US$10,000 (IDR155m) from your own pocket before your insurance coverage kicks in to handle the remaining expenses ??

From the previous post, my understanding is that it has nothing to do with a pre-existing medical condition. So, unless you have an accident that requires hospitalization, how often will a person need a treatment that costs over IDR155m in Indonesia?

It is a very interesting case. But personally to me, it is like making a monthly donation of EUR160 to the insurance company

But it is your own money that you are using anyway.

 

[Samoerai]

So you pay for healthcare insurance with a premium of EUR160 per month, and you are prepared to cover any treatment costs below US$10,000 (IDR155m) from your own pocket before your insurance coverage kicks in to handle the remaining expenses ??

From the previous post, my understanding is that it has nothing to do with a pre-existing medical condition. So, unless you have an accident that requires hospitalization, how often will a person need a treatment that costs over IDR155m in Indonesia?

It is a very interesting case. But personally to me, it is like making a monthly donation of EUR160 to the insurance company

But it is your own money that you are using anyway.

I am still contemplating on this. Asking advice on this forum. Shall I do it, or not? Pros and cons?

 

[pantaiema]

Apart from BPJS or as is the case with Australia's government Medicare where you are actually covered, it seems looking for private health insurance is like going in to a robber's den and asking, "Can someone please help me?" Their eyes sparkle and a chorus, "Yes, I can help."
View attachment 3597

Residing in Indonesia, opting for BPJS is a no brainer due to its incredibly low cost.
The monthly fees are as follows:

• 1st Class: Rp 150,000 (less than US$10)
• 2nd Class: Rp 100,000 (less than US$6.5)
• 3rd Class: Rp 35,000 (less than US$2.5)

Considering that the cost of particular treatment can reach hundreds of millions or even billions of rupiah in case of an accident, BPJS coverage proves highly valuable. It extends to regular medication as well, and the expense for such medication alone could surpass Rp.150,000 per month. Even if one never utilizes the coverage, paying of less than US$10 is akin to making a donation to the system helping reasonable number of individuals. A good cause for donation as it will help the disadvantage people who otherwise will not be able to cover their basic healthcare.

Unless they are very wealthy people were money is not an issue, a person will need to be very thick not to recognize this significant benefit of BPJS. However, a reported issue arises for some expats, even those with spouse sponsored ITAP as they are reportedly unable to access BPJS.

 

[snpark]

I am still contemplating on this. Asking advice on this forum. Shall I do it, or not? Pros and cons?

No
You will never be able to claim for anything less than €7400