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 price for annual premium payments
Comprehensive insurance plan options, covering both domestic and international hospitals
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 mio – 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
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
If you want to increase coverage, you can add a Rider to your health insurance plan. Rider is an additional benefit that complements your insurance policy. Riders come with an additional premium cost. Here are the health insurance rider options available at Roojai:
Family Health Insurance
Roojai's family health insurance covers up to 10 family members under one policy.
Outpatient Insurance
Outpatient insurance benefits cover consultation costs that do not require hospitalization
At Roojai, you can customize your health insurance plan by choosing a copayment or deductible option—a smart way to keep your premiums affordable and within budget.
With copayment, you’ll share a portion of the medical costs each time you receive treatment. For example, if you have a 20% copay for inpatient care, you’ll pay 20% of the bill and the insurer will take care of the remaining 80%.
A deductible, on the other hand, is a set amount you’ll need to pay out of pocket before your insurance coverage starts. So if your deductible is Rp1 million and you have a medical bill of Rp1,5 million, you’ll pay the first Rp1 million, and Roojai will cover the rest.
This kind of setup is a great fit if you’re looking for essential health coverage without stretching your budget too far.
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 health insurance, cashless and reimbursement. Here’s how they work:
Cashless claim
Cashless claims can only be made at partner hospitals. Simply show your insurance card to the hospital administration and the claim process is done.
Reimbursement claim
Reimbursement claims apply to healthcare services at non-partner hospitals and international claims. Reimbursement claims are made when the insured pays for treatment cost using personal funds first. Then, a reimbursement request needs to be submitted.
Roojai's Individual Health Insurance is coming soon! Stay tuned for the latest updates on how to secure the best health coverage for you and your family!