Discover the best health insurance in Indonesia with annual coverage limits starting from Rp200 million and up to Rp40 billion. At Roojai, you can design your own health insurance benefits to truly match your needs—without paying for anything you don't need. Enjoy cashless claim access at over 2,000 top partner hospitals across Indonesia.
Roojai's health insurance comes with a complete range of plans and the convenience of cashless claims at both local and international hospitals. Get your health insurance policy online now, only at Roojai!
Best offer for annual premium payments
The insurance plan can be adjusted according to your needs and budget
Cashless claims at 2000+ trusted partner hospitals
Easy online purchase
Roojai Indonesia offers a wider range of health insurance plans from domestic to health insurance international coverage. The options include:
Policy Benefits
Details Coverage
Limit
Annual inpatient limit
The maximum benefit limit received in a year
Limit :
From Rp200 million - Rp40 billion
Companion accommodation
Accommodation cost provided for companions of inpatients
Limit :
From Rp500.000 - Rp2 million/day
ICU treatment
Costs incurred during patient treatment in the ICU
Limit :
As billed
Daycare treatment
Medical treatments completed within 20 hours without hospitalization. E.g. chemotherapy, minor surgeries, dialysis, etc.
Limit :
As billed
Pre & hospitalisation (30 days)
Medical cost related to treatment before and after hospitalisation
Limit :
As billed
Cover consultation, diagnostic tests, and medications costs that do not require hospitalization
Limit :
From Rp10 million – As billed
Ambulance fees
Cost of transporting patients to the hospital due to accidents, illness, or other critical conditions
Limit :
As billed
International Emergency Medical Assistance (IEMA)
Emergency medical assistance if the insured experiences a medical emergency abroad*
Limit :
As billed
Partner hospitals
List of hospitals that accept cashless claims
Limit :
2000+ partner hospitals
* in compliance with terms of coverage
One of the key advantages of Roojai health insurance is the flexibility to design your own policy benefits. You can adjust the coverage based on your needs and budget, ensuring that premiums remain affordable without sacrificing essential protection.
With Roojai, you can choose inpatient benefits with a deductible scheme to make your premiums more budget-friendly. A deductible is a fixed amount you must pay out-of-pocket before the insurance covers the rest of the claim. It is paid once per year.
Example: If your deductible is Rp1.000.000 and your hospital bill is Rp3.000.000, you pay Rp1.000.000 while the remaining Rp2.000.000 is covered by the insurer.
This option is ideal for those who want to reduce premiums while still maintaining essential inpatient protection.
Roojai allows you to customize your outpatient benefits with several flexible options:
A copayment is the percentage of medical costs that you pay yourself.
This way, you can still enjoy outpatient benefits with more affordable premium.
Roojai allows you to customize your outpatient benefits with several flexible options:
Roojai allows you to customize your outpatient benefits with several flexible options:
If you choose the Preferred Network, you’ll have access to all hospitals in our network, including premium hospitals. However, when using a premium hospital, you’ll need to cover 20% of the total bill.
Example: If the inpatient cost at a premium hospital is Rp10.000.000, you pay 20% (Rp2.000.000) while the remaining Rp8.000.000 is covered by the insurer.
This option is ideal if you want access to top-quality services while keeping your premiums affordable.
Check the full list of Roojai Network hospitals!
Roojai gives you the freedom to choose your coverage area, whether limited to Indonesia or extended internationally. If you choose for protection in Indonesia only, your premium will be more affordable compared to global coverage. For emergency situations (life-threatening or risk of serious harm), your insurance covers inpatient treatment for up to 90 days per year, wherever you are in the world.
T&C
Spesifications
Entry age for adults
18 – 65 years
Entry age for dependent children
15 days – 18 years *
Maximum renewal age
80 years
* can be extended up to 25 years if the child is still a student.
There are two ways to claim your health insurance with Roojai: cashless and reimbursement. Both methods can be done at Roojai’s partner hospitals. Here’s how each works:
Cashless claim
Cashless claims can only be made at partner hospitals. The process is simple: the insured shows their insurance card to the hospital administration, which then contacts the insurer to verify that the claim matches the policy agreement. If it aligns with the approved policy benefits, the claim is settled immediately.
Reimbursement claim
Reimbursement claims apply to treatments at partner hospitals (and in emergency cases, also at non-partner hospitals), both domestically and abroad. The insured must first pay the medical expenses out of pocket, then submit a claim for reimbursement.
Click the "Get Quote" button and fill out the form with your name, age, and other information
Choose your health insurance plan according to your needs
Complete additional information related to your health history if required
The application form will be sent to you by Roojai's team via email for your signature
If needed, the underwriting process will be carried out
Details of the benefits and exclusions in the final policy will be sent via email
Sign the final policy
Complete the payment online through the payment link sent via email
Your insurance policy will be processed right away!
For more information on purchasing health insurance at Roojai, visit our How to Buy Insurance page.