Categories / Health
Health
32 in-scope products. Different products win for different people — compare the trade-offs below, then open any product for the full read.
benchmark Legacy Income’s own/benchmark carriers in this category: Allianz Preferred Medical, AlliSya Preferred Medical, Hospital & Surgery Guard, TM Executive Medicare, TM Optima Hospital & Surgery Plus — labelled for reference; the analysis itself is unbiased.
How Health products differ
Fully benchmarked · 93% coverageNo product wins every dimension — these are trade-offs, not a scoreboard. Where the dataset can’t yet support hard medians, we show the observed range and the analyst’s read.
Direct comparison limited by plan-tiering heterogeneity
Observed: 80 · 99 · 100
Allianz AlliSya caps at age 80; Sun Healthcare Solution Syariah and Prudential PRUwell Medical Syariah both reach ~age 99-100; longest tail wins for younger entrants
POJK 36/2025 effective January 2026 — every health product across the category must apply a co-payment structure. Per-episode vs per-claim vs aggregate annual deductible structures vary; agents must explain the specific mechanism for the product being sold.
Most insurers offer Indonesia-only at entry tier; ASEAN regional coverage (Malaysia/Singapore) at mid-tier; global coverage at top-tier with reduced reimbursement percentage. Allianz AlliSya Flexi reportedly extends to US coverage at top tier.
Sun Healthcare Solution Syariah: 37-45% Ujrah depending on plan (high end on Opal/Safir). AIA Syariah typically 35-40%. Allianz Syariah varies.
Coverage caveat: Per-product detail extraction is at ~50% coverage across the 36 active health products. Cross-product comparisons in Section 5 of any health brief produced this run rely on qualitative observations and structured peer-product references (Allianz AlliSya line, Prudential PRU lines, and the four Sun Life Syariah briefs already produced — healthcare-solution-syariah, shifa-essential, shifa-signature, salam-anugerah-harapan). (sample: ~30 products)
AIA Health X
AIA Health X is a Yearly Renewable Term (YRT) hospitalisation insurance from AIA Indonesia, built around a single unconventional proposition: premiums should rise when you claim heavily and stay controlled when you stay healthy.
Allianz Preferred Medical
Allianz Preferred Medical is an annual indemnity individual hospitalisation product offering three plan tiers (Standard, Extra, Premier) with annual coverage limits stepping from Rp 1 billion to Rp 20 billion and geographic scope stepping…
AlliSya Preferred Medical
AlliSya Preferred Medical is a Sharia-individual-health flagship from Allianz Life Syariah Indonesia, structured as a three-tier annual indemnity hospitalisation plan (Standard, Extra, Premier) with annual benefit limits stepping from Rp 1…
Asuransi Kesehatan Proteksi Ekstra
Proteksi kesehatan dengan manfaat harian rawat inap hingga Rp1,2 juta per hari, ICU hingga Rp2,4 juta per hari, dan santunan pembedahan hingga Rp20 juta per tahun.
Asuransi Mandiri Solusi Kesehatan
Proteksi kesehatan dengan manfaat harian rawat inap hingga Rp1,2 juta per hari, ICU hingga Rp2,4 juta per hari, dan santunan pembedahan hingga Rp20 juta per tahun.
Asuransi Tambahan Mandiri Medical Care
GEN HealthCare Protection
GEN HealthCare Protection is Generali's flagship as-charged hospital rider, sold as an attachment to a Generali base life policy (in the published illustrations, GEN Proteksi Utama).
GEN HealthCare Protection Syariah
GEN HealthCare Protection Syariah is a rider-style syariah health add-on attached to a Generali Indonesia base life policy.
GEN MediCare Protection
GEN MediCare Protection is Generali's flagship conventional hospitalization rider, structured as Asuransi Tambahan that attaches to a Generali base policy.
Generali HealthCare Solution
Generali HealthCare Solution is not a standalone policy — it is an "additional insurance" (Asuransi Tambahan / rider) that attaches to a Generali base life policy and reimburses hospital and medical costs.
Generali Lite HealthCare
Generali Lite HealthCare (GLH) is the entry-tier, budget-conscious sibling in the Generali conventional hospitalization family — positioned alongside the flagship GEN MediCare Protection but built for customers who prioritise affordability…
Generali Lite HealthCare Syariah
Generali Lite HealthCare Syariah is Generali's mid-tier to premium Sharia hospitalization rider attached to a base asuransi dasar — typically RAYA Pro Maxima or another Generali life-insurance contract.
Hospital & Surgery Guard
TM Hospital and Surgery Guard is a cashless hospital-and-surgery rider (produk asuransi tambahan / rider) that bolts onto a TM Link unit-linked basic policy.
Manulife Miultimate Healthcare
Manulife MiUltimate HealthCare (MiUHC) is the comprehensive answer to medical-cost protection in Indonesia.
Manulife Miultimate Healthcare Syariah
MiUltimate Healthcare Syariah is Manulife's flagship Syariah comprehensive medical card — a yearly-renewable, cashless, "as-charged" (sesuai tagihan) hospital plan built on a takaful (tolong-menolong / mutual-help) structure.
Premier Hospital & Surgical Extra
AIA Premier Hospital & Surgical Extra is a rider, not a standalone policy.
Premier Hospital & Surgical Saver
AIA Premier Hospital & Surgical Saver is the co-payment sister of AIA Premier Hospital & Surgical Extra (PHSE).
Proteksi Kesehatan Ultima (PRATAMA)
PRATAMA is AIA's traditional, 15-year health product sold exclusively through Bank BCA.
PRUSehat
PRUSehat is the value-conscious answer to hospital and surgery protection in Indonesia.
PRUSehat Syariah
PRUSehat Syariah is Prudential Syariah's mass-affluent Sharia hospital cover — the everyday Sharia-compliant alternative to the conventional PRUSehat / AlliSya Flexi tier, positioned for the customer who wants a clean Tabarru' structure, m…
Pruwell Health
PRUWell Health is the rider version of Prudential's reward-based health franchise — the same SehatPangkalBisa narrative as the standalone PRUWell Medical, but structured as an Asuransi Tambahan attached to a PAYDI (unit-linked) base policy…
Pruwell Health Syariah
PRUWell Health Syariah is not a standalone health policy.
PRUWell Medical
PRUWell Medical is the behavior-rewarded answer to high-end medical inflation — Prudential's modern flagship health indemnity, sold inside the SehatPangkalBisa narrative.
PRUWell Medical Syariah
PRUWell Medical Syariah is Prudential Syariah's flagship hospital and surgical plan — the Sharia-compliant counterpart to PRUWell Medical (conventional), sharing the same 7-plan-tier architecture and the same Diamond-ceiling of Rp 22.5 bil…
Salam Healthier Future Assurance (SHIFA) - Signature
SHIFA Signature is Sun Life Syariah's premium-tier comprehensive health takaful — the higher shelf above SHIFA Essential and a step up from Sun Healthcare Solution Syariah in coverage ceiling and geographic reach.
Salam Healthier Future Assurance (SHIFA) - Signature
Salam Healthier Future Assurance — branded in field collateral as "SHIFA Signature" — is Sun Life Syariah's premium-tier comprehensive health takaful.
Smile Health Prime
SMiLe Health Prime is the premium, no-limits answer to comprehensive hospital and surgical protection in Indonesia.
Smile Medical
Smile Medical is the simple, mass-market answer to hospital cost protection in Indonesia.
Sun Healthcare Solution
Sun Healthcare Solution is Sun Life Indonesia's flagship conventional hospitalization product — an 8-tier, Yearly Renewable Term medical policy that pays inpatient and outpatient bills on a Sesuai Tagihan basis within a per-tier annual cei…
Sun Healthcare Solution Syariah
Sun Healthcare Solution Syariah is a standalone health insurance product under syariah structure — it requires no base life policy — built around eight plan tiers ranging from entry-level domestic coverage (Opal, Rp 250M annual limit) to a…
TM Executive Medicare
TM Executive Medicare is the medical-plus-life bundle for the customer who wants one policy schedule covering private-hospital treatment and a death/disability backstop together.
TM Optima Hospital & Surgery Plus
TM Optima Hospital & Surgery Plus is the premium-tier comprehensive answer to the customer who says "I want real hospital cover, not a table of sub-limits telling me what I can't claim." It is an annually renewable health indemnity policy…
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