HEALTH INSURANCE · PLAN COMPARISON
Standard, Extra or Premier — every benefit, side by side.
The complete benefit schedule for Allianz Preferred Medical and AlliSya Preferred Medical. The biggest structural difference: Plan Standard pays up to a fixed Inner Limit per item, while Extra and Premier pay As Charged — the actual bill, up to the plan’s annual limit.
ANNUAL LIMIT
Rp1 billion
WHEN ADDITIONAL ACTIVE
Rp2 billion
TERRITORY
Indonesia
PAYOUT BASIS
Inner Limit
ANNUAL LIMIT
Rp15 billion
WHEN ADDITIONAL ACTIVE
Rp30 billion
TERRITORY
Asia excl. SG, HK, JP
PAYOUT BASIS
As Charged
ANNUAL LIMIT
Rp20 billion
WHEN ADDITIONAL ACTIVE
Rp40 billion
TERRITORY
Asia + Australia
PAYOUT BASIS
As Charged
The headline differences
The structural choices that matter mostBENEFIT
STANDARD
EXTRA
PREMIER
Payout basis
How benefits are paid
Inner Limit — fixed sub-limit per item
As Charged — per the actual bill
As Charged — per the actual bill
Coverage territory
Indonesia
Asia, excluding Singapore, Hong Kong & Japan
Asia + Australia
Annual Benefit Limit
Per insured, per policy year
Rp1 billion
Rp15 billion
Rp20 billion
Additional Annual Benefit Limit
Activates on diagnosis of heart attack, invasive cancer or stroke
Rp1 billion
Rp15 billion
Rp20 billion
Total when additional limit active
Rp2 billion
Rp30 billion
Rp40 billion
Deductible (Risiko Sendiri)
Annual, per insured
None
Option 1 or 2, from Rp6 million
Option 1 or 2, from Rp6 million
Membership card
Silver
Gold
Blue
Inpatient & surgery
The core of every planBENEFIT
STANDARD
EXTRA
PREMIER
Room & board
Per day, max 365 days
Room-price cap Rp700,000
Lowest single room with ensuite bath, or cap Rp1,300,000 — whichever is greater
Lowest single room with ensuite bath, or cap Rp1,650,000 — whichever is greater
ICU / NICU / PICU / HDU / isolation
Per day, max 365 days
Rp1,200,000
As Charged
As Charged
Surgery
Per hospitalisation
Rp60,000,000
As Charged
As Charged
Day-surgery care
Per treatment
Rp15,000,000
As Charged
As Charged
Prosthesis & implant
Not covered
As Charged
As Charged
GP visit
Per day, max 365 days
Rp225,000
As Charged
As Charged
Specialist visit
Per day, max 365 days
Rp325,000
As Charged
As Charged
Miscellaneous inpatient costs
Per hospitalisation
Rp12,000,000
As Charged
As Charged
Pre-hospitalisation care
Up to 60 days before admission
Rp1,800,000
As Charged
As Charged
Post-hospitalisation care
Up to 90 days after discharge
Rp1,800,000
As Charged
As Charged
Outpatient physiotherapy
Per policy year, around a hospital stay
Not covered
As Charged
As Charged
Home care
Per policy year
Not covered
Rp200,000,000
Rp300,000,000
Continued rehabilitation
Per policy year, max 90 days after physiotherapy ends
Not covered
Rp15,000,000
Rp25,000,000
Traditional medicine
Per policy year; during inpatient, up to 90 days after
Not covered
Rp15,000,000 (max Rp1,000,000 per claim)
Rp25,000,000 (max Rp1,000,000 per claim)
Outpatient psychiatric consultation
Per policy year, up to 90 days after inpatient
Not covered
Rp15,000,000
Rp25,000,000
Local ambulance
Per hospitalisation
Rp400,000
As Charged
As Charged
Major illness
BENEFIT
STANDARD
EXTRA
PREMIER
Dialysis
Per policy year
Rp60,000,000
As Charged
As Charged
Organ transplant
Not covered
As Charged
As Charged
Organ-donor transplant costs
Not covered
As Charged
As Charged
Cancer outpatient care
Incl. remission checks & lab tests, per policy year
Rp120,000,000
As Charged
As Charged
HIV/AIDS care
Per policy year; 6-month waiting period
Not covered
Rp15,000,000
Rp15,000,000
Palliative care
Per policy year
Not covered
Rp250,000,000
Rp250,000,000
Emergency care
BENEFIT
STANDARD
EXTRA
PREMIER
Emergency outpatient care
Accident, incident or force majeure — incl. emergency dental; within 2 calendar days of the event; per policy year
Rp5,000,000
As Charged
As Charged
Continued outpatient care after an emergency
Within 30 days of the event
Not covered
As Charged
As Charged
Additional benefits
BENEFIT
STANDARD
EXTRA
PREMIER
Dengue & typhoid/paratyphoid outpatient
Per policy year, subject to lab criteria & timing
Rp8,000,000
Rp8,000,000
Rp8,000,000
Durable medical equipment
Per policy year; during inpatient, up to 90 days after
Not covered
Rp15,000,000
Rp15,000,000
Artificial limbs / prosthetics
Per policy year; during inpatient, up to 90 days after
Not covered
Rp250,000,000
Rp250,000,000
Death benefit & services
Death benefit is higher on the Sharia (AlliSya) versionBENEFIT
STANDARD
EXTRA
PREMIER
Death benefit — conventional (APM)
Paid to your beneficiary
Rp15,000,000 (Rp30,000,000 from age 80)
Rp15,000,000 (Rp30,000,000 from age 80)
Rp15,000,000 (Rp30,000,000 from age 80)
Death benefit — Sharia (AlliSya)
Paid to your beneficiary
Rp30,000,000 (Rp45,000,000 from age 80)
Rp30,000,000 (Rp45,000,000 from age 80)
Rp30,000,000 (Rp45,000,000 from age 80)
Expert Medical Opinion
Specialist second opinion on diagnosis
Not available
Available
Available
Medical Assistance
Incl. medical evacuation while travelling
Not available
Available
Available
Waiting periods
Accidents, incidents & force majeure are covered immediatelyBENEFIT
STANDARD
EXTRA
PREMIER
All illnesses
Except accident, incident, force majeure
30 days
30 days
30 days
Cancer
3-month elimination period, then 3-month waiting period
3-month elimination period, then 3-month waiting period
3-month elimination period, then 3-month waiting period
Special Diseases
15 listed condition groups — see the FAQ
Year 1: excluded. Covered from year 2
6-month waiting period, then a 6-month Rp100 million Special-Disease deductible
6-month waiting period, then a 6-month Rp100 million Special-Disease deductible
HIV/AIDS
Not covered
6-month waiting period
6-month waiting period
Deductible options — Extra & Premier only
Read: the deductible, explained →ANNUAL DEDUCTIBLE, PER INSURED
PREFERRED NETWORK
OTHER NETWORK — ASIA*
OTHER — SG, HK, JP, AUS
Plan Extra — Option 1
Rp6,000,000
Rp12,000,000
Outside plan territory
Plan Extra — Option 2
Rp10,000,000
Rp20,000,000
Outside plan territory
Plan Premier — Option 1
Rp6,000,000
Rp12,000,000
Rp25,000,000
Plan Premier — Option 2
Rp10,000,000
Rp20,000,000
Rp40,000,000
*Asia excluding Singapore, Hong Kong and Japan. Plan Standard has no deductible. The deductible is annual, per insured; the category on the first date of service applies, and if care in one policy year spans categories the highest applicable deductible governs. Once the full deductible has been met in a policy year, later eligible claims that year are paid in full. No deductible applies to outpatient services, emergencies caused by accident or force majeure, HIV/AIDS care, or critical illness within palliative care (emergency waiver applies during initial stabilisation).
READING THIS TABLE
As Charged — paid according to the actual bill, never exceeding the plan’s Annual Benefit Limit, for medically necessary care at Reasonable & Customary charges.
Inner Limit — paid up to the fixed sub-limit shown, per item.
Room rule on As Charged plans — staying in a higher room than entitled pro-rates the inpatient bill; a one-tier upgrade for up to 2 days is allowed without pro-rata when the entitled room is full.
Transparency (OJK) — in line with OJK Regulation No. 36 of 2025, the no-deductible plan (Standard) is always presented alongside Extra and Premier, and you will receive the RIPLAY product summary before you commit.
This comparison summarises Allianz product materials and does not form part of any contract. Benefits are subject to waiting and elimination periods, exclusions and underwriting; premiums increase with age and may be repriced at renewal — the product offers more predictable repricing, not fixed premiums. The Policy Terms & Conditions and your Benefit Table govern. See our Disclosures and FAQ.
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