Sriwijaya Aktual – Mahatma Gandhi once said that health is an essential form of wealth, not just gold and silver. The phrase is true. Because, with a healthy body, we can do well in order to pursue goals to spend time with loved ones to the elderly. Therefore, health becomes a future asset that we must take good care of. In addition to eating foods rich in nutrients and exercising, we can also provide health protection by having insurance. Although often excluded from priorities, health insurance actually offers so many benefits that can not only be felt today, but also in the future when experiencing various unexpected risks. From minor illnesses to critical illnesses, FWD health insurance offers a variety of products that protect our body’s fitness at affordable premium prices. So, what are the options? Let’s see the information that Qoala has summarized below.
Reliable Free Insurance
What is Reliable Free Insurance?
One of FWD health insurance products that you can choose is Reliable Free Insurance. This product is a sharia health insurance offered at an affordable price, starting from Rp75,000 every month. So, for those of you who are looking for cheap premium health insurance, Reliable Free Insurance can be the right option.
Advantages of Reliable Free Insurance
There are five advantages of Reliable Free Insurance from FWD health insurance that you can feel if you have it:
- Affordable price
Classified as a cheap premium health insurance, you do not have to worry about the huge costs that you need to spend for your health protection. The reason, the contribution amount of Reliable Free Insurance starts only from Rp75,000 per month.
With sharia insurance base offered, Reliable Free Insurance can be ensured free from usury because it is in accordance with Islamic law.
- Simple process
Another advantage of Reliable Free Insurance is a non-convoluted process. Simply by swiping the insurance card as long as the cost of the room according to the plan, you will get a comprehensive health service from in and out of the partner hospital.
- Complete health benefits
The benefits of Reliable Free Insurance from FWD health insurance is fairly complete. Not only the cost of the room, but also the cost of doctors, medicines, after-hospital treatment, the cost of surgery, to check the lab with a benefit value of up to Rp100,000,000 per year.
- Other emergency medical assistance services are available
Asuransi Bebas Handal is also equipped with emergency medical assistance services in the form of repatriation with medical escorts and assistance in the repatriation of bodies or burial / cremation of bodies if it occurs outside the territory of the Republic of Indonesia.
How to Buy Reliable Free Insurance
How to buy Reliable Free Insurance from FWD health insurance consists of five steps, namely:
- Enter your age, gender, and job details
- Choose the product package that best suits your needs
- Complete your data
- Answer health questions honestly for a smooth claim process in the future
- Make a payment with the payment method option via bank transfer or credit card
Terms and Conditions of Reliable Free Insurance
Before choosing a Reliable Free Insurance product, make sure you have understood the following terms and conditions:
- Insured or insured party aged 30 days to 55 years.
- You can buy this product for others as long as you are 18 years old and there must be insurance interests or insurable interests with insured parties, such as family relationships and/or relationships with legal interests such as husband and wife, father/mother and child.
- You can buy Free Reliable Insurance more than one policy provided that all insured can only have one Reliable Free Insurance policy.
- Reliable Free Insurance benefits with FWD insurance card swipe system can only be done in partner hospitals located in the territory of the Republic of Indonesia (in addition, reimbursement system is applied).
- In addition to certain conditions, the exclusion of this insurance product includes special diseases including complications that are excluded within the 12-month waiting period of the policy, such as diseases and/or abnormalities in the nose and throat (including tonsils, adenoids, sinuses and septum that require surgery), all types of tuberculosis, heart and blood vessel diseases (cardiovascular), brain vascular disease (stroke), high blood pressure (hypertension), all types of hepatitis and liver cirrhosis, diabetes, all types of reproductive system disorders (including but not limited to varicocele, endometriosis, fibroids/myoms in the uterus), all types of hernias including herniation of the nucleus pulposus (HNP), and all types of tumors/cysts and/or cancers.
- No refund of contributions in Reliable Free Insurance
FWD Cancer Protection Cancer Insurance
What is FWD Cancer Protection Cancer Insurance?
As the name implies, FWD Cancer Protection Insurance is one of FWD health insurance products in the form of easy protection with a 100% guarantee of sum insured to protect the risk of cancer from an early stage.
Why Need to Have FWD Cancer Protection Cancer Insurance?
There are three important reasons you need to have FWD Cancer Protection Cancer Insurance:
- Probability of cancer in Indonesia
Of the total 349,000 cases reported, 54% of cases occurred in women and the remaining 46% occurred in men. This high concentration is observed to occur at the age of 45-59 (36%) followed by 60-74 (32%) and 30-44 (15%). With the high probability of cancer afflicting a person, the ownership of cancer insurance from FWD health insurance is important to prioritize.
- Data on the fact of cancer growth in Indonesia
A total of 349,000 new cases of cancer and 207,000 deaths from cancer were reported in Indonesia in 2018. Who also estimates that the growth of cancer cases from 2020-2040 could reach 575,000 by 2040.
- The cost of cancer treatment in Indonesia
Based on data in 2018, the cost of cancer treatment with BPJS Kesehatan insurance reached Rp2.7 trillion with the number of cancer cases as much as 1.79 million. The high cost of treatment can be solved by having health insurance that provides protection against cancer in particular.
Benefits of FWD Cancer Protection Cancer Insurance
There are four benefits of FWD Cancer Protection Cancer Insurance that you can feel if you have one:
- Easy provisions with maximum coverage benefits
Even if you already have other protection, you will still get 100% coverage if you are diagnosed with cancer at an early stage by having FWD Cancer Protection Insurance
- Practical online buying methods
Purchase of FWD Cancer Protection Cancer Insurance can be done through online process anywhere, simply by answering three health questions only
- Affordable price by easy payment
You are free to choose the sum insured on FWD health insurance products as needed, starting from Rp10,000 only every month
- The claim process is not convoluted
As long as the documents you provide are complete, the process of filing a FWD Cancer Protection Cancer Insurance claim can be done easily and quickly
FWD Cancer Protection Cancer Insurance Terms and Conditions
Before choosing FWD Cancer Protection Cancer Insurance products, make sure you understand the following terms and conditions:
- Protection for the risk of cancer is provided until the insured is 70 years old.
- Cancer must be diagnosed first in the insured during the insurance period with a diagnosis that must be enforced by medical oncologists, supported by histological evidence, ranging from malignant cancer or Carcinoma In Situ (CIS) in certain tissues namely breast, uterus, fallopian tubes, vulva, vagina, cervix uteri, colon, rectum, male genitalia, testicles, lungs, liver, stomach, nasopharynx, or bladder or for CIS cervical uteri which includes Cervical Intraepithelial Neoplasia (CIN) Grade III.
- Exemptions not covered by FWD Cancer Protection Cancer Insurance include non-melanoma skin cancer (unless there is evidence of metastatic), chronic lymphocytic leukemia classified as RAI stage 0 or Binet Stage A, and cancers realized before or in waiting period, and Carcinoma In Situ (CIS) in other tissues (other than those insured).
With two FWD health insurance products that have been discussed, you are expected to be more literate about the importance of having health insurance for the sake of future protection for your family and yourself. In addition to the inpatient insurance benefits offered, the ease of cashless health insurance can also be obtained. So, you do not have to hesitate in choosing the health insurance product that best suits your needs and abilities so that you are free from worry in the future. [*]