Enhance your health insurance policy with Roojai’s personal outpatient rider! At Roojai, you can customize your outpatient coverage based on your needs—making the premium more affordable. Enjoy the benefits of consultations with general practitioners and specialists at top partner hospitals. Explore your options today!
With Roojai’s outpatient insurance, you can customize your policy benefits to match your needs. This way, you only pay for what you really need—no unnecessary extras. Discover the best cashless outpatient rider options at Roojai!
Coverage starts from Rp10 million - Rp100 million
Flexible benefits tailored to your budget
Cashless claims at 2,000+ trusted partner hospitals
Convenient online purchase process
Outpatient insurance can only be added if you already have a primary health insurance policy from Roojai. It cannot stand alone and must be attached to an active main policy.
Benefits
Details
Annual Limit
General practitioner consultation
Medical treatment within 24 hours without hospitalization by a general practitioner
Limit :
From Rp10 million – Rp100 million/ year
Specialist Consultation
Medical treatment within 24 hours without hospitalization by a specialist
Limit :
From Rp10 million – Rp100 million/ year
Medications
Coverage for doctor-prescribed medications
Limit :
From Rp10 million – Rp100 million/ year
Laboratory Test
Includes X-rays, diagnostic & pathology tests
Limit :
From Rp10 million – Rp100 million/ year
Advanced Medical Imaging
Includes CT Scan, MRI, PET Scan, Ultrasound Doppler
Limit :
From Rp10 million – Rp100 million/ year
Partner Hospitals
2000+ List of hospitals accepting cashless claims
One of the advantages of getting outpatient health insurance at Roojai is the flexibility to choose your own copayment scheme, allowing you to enjoy more affordable premiums.
Copayment refers to the percentage of medical expenses you need to pay out of pocket when making a claim. For example, if you select a 10% copayment, you only need to cover 10% of the outpatient treatment cost, while the rest will be covered by the insurance company.
T&C
Spesifications
Primary health insurance policy
Required
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
BPJS Kesehatan provides basic healthcare protection for Indonesian citizens, including outpatient services at primary healthcare facilities (FKTP) such as community health centers (Puskesmas) or affiliated clinics. However, despite BPJS covering most medical needs, additional outpatient insurance is still beneficial for several reasons:
BPJS Kesehatan follows a tiered referral system, meaning patients must visit FKTP before getting specialist care in hospitals. With outpatient insurance, you can:
BPJS only covers medicines listed in the National Formulary (Fornas), which is often limited to generic drugs. If you need branded medicines or non-covered drugs, you must pay out of pocket.
With outpatient insurance, you can:
BPJS patients often face long waits just for a consultation or medical check-up. With outpatient insurance, you can enjoy a range of benefits, such as:
Although BPJS Kesehatan provides basic coverage for a range of medical services, there are still limitations—especially when it comes to outpatient care. By having this additional insurance, you can access outpatient services more quickly, with greater flexibility, and tailored to your medical needs—whether for individual coverage or as a complement to your family health insurance.
Click the "Get Quote" button and fill out the form with your name, age, and other information
Choose the base Roojai health insurance plan
Choose the outpatient insurance rider plan that best suits 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.
The reviews on this page are submitted directly by Roojai customers and sourced from Google Reviews.
View allHonest review of Roojai's customers
4.5/5
From 143 Google Reviews as of June 2026