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.
★ The Insurer’s Play
analytical interpretationLimited read — analysis pending. Likely intent: capture recurring health-protection premiums in a fast-growing private-medical market. Full read pending a Strategic Brief.
Our read of the insurer’s design intent — not their stated words. Use it to judge fit, not as a fact about the policy.
Who this fits — and who it doesn’t
Fit guidance becomes available once this product has a Strategic Brief.
Key facts
Coverage
- Sum assured: not disclosed on page
- Policy term: masa asuransi 1 tahun, serta dilengkapi perlindungan lainnya seperti manf
- Pricing: Rp2,5 miliar | Rp500 ribu | Rp2,5 miliar | Rp500 ribu
Target Customer
not disclosed on page
Key Features
- Perusahaan Kami Perusahaan Kami Tentang AXA Mandiri Penghargaan Kisah Bersama AXA Mandiri Karier Keberlanjutan Laporan Keuangan Struktur Organisasi
- Media Media Artikel Inspirasi Berita Siaran Pers
- Pemilih Bahasa ID ID
- Lengkapi Formulir pengajuan klaim sesuai dengan klaim yang diajukan
- Isi Formulir Anda dengan semua detail yang berhubungan dengan pemegang polis, seperti: nomor ID/nomor paspor, nomor polis/nomor anggota, nama pemegang polis, dsb. Klik di sini untuk mengunduh formulir
Expert · technical detail
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)
Expert · full Strategic Brief
No Strategic Brief yet for this product — analysis pending.
Switch to Expert (top-right) for the full 10-section brief, benchmarks, compliance flags, and source documents.