The hospital is paid directly. You recover.
Cashless care at network hospitals, cover for cancer and major illness, and everyday Indonesian risks like dengue and typhoid — with premiums designed to stay predictable year to year. Conventional (Allianz Preferred Medical) or Sharia (AlliSya).
The real worry isn’t illness alone. It’s the premium letter every year.
This plan is designed as a stabiliser you can control. An optional deductible and the use of Allianz’s Preferred Network help keep the cost of care in check — which in turn supports flatter, more predictable premium adjustments over time. Premiums still rise with age and can be repriced at renewal; the aim is to make those changes far more predictable.
Three plans. One choice: what to protect, and where.
The main difference is how benefits are paid — a fixed inner limit per item, or As Charged up to a large annual limit — followed by coverage territory and whether a deductible applies.
Under OJK transparency rules, a no-deductible plan (Standard) is always presented alongside Extra and Premier so you can see the benefit differences. “Active” figures show the total available when the Additional Annual Benefit Limit for advanced-stage illness applies (see below). Full per-item limits appear in your Benefit Table.
See the full benefit schedule, side by side →
The features that hold up when it matters most.
An Additional Annual Limit that effectively doubles your cover
A separate, on-top annual limit switches on when the insured is diagnosed with one of three advanced-stage conditions — heart attack, invasive cancer, or stroke. Once the base annual limit is used up, care for that condition or any other illness is paid from the additional limit, through to the next policy anniversary.
Illustrative example: a Plan Extra member (Rp15 billion limit) diagnosed with a heart attack has a further Rp15 billion available — Rp30 billion in total — until the next policy year.
Read the guide →Dengue & typhoid, without a hospital stay
Two of Indonesia’s most common illnesses are covered on an outpatient basis — up to Rp8 million per policy year on every plan, subject to lab criteria and timing.
Read the guide →A 5% saving for staying healthy
Pay by autodebit and go a year with no paid claims, and you earn 5% off your next renewal premium — a reward for healthy years.
A deductible you control
On Extra and Premier, choose an annual deductible from as low as Rp6 million. No deductible is charged for outpatient care or the initial handling of accident emergencies.
Read the guide →The Preferred Network
A curated list of hospitals and clinics where care costs are better controlled — helping keep your future premium adjustments flatter.
Read the guide →Major-illness cover
Dialysis, organ transplant, cancer outpatient care with remission checks, HIV/AIDS care and palliative care (cover varies by plan).
Cashless at network providers
Your membership card gives cashless access for inpatient care — and outpatient too — at network hospitals and clinics.
AlliSya Preferred Medical — the same cover, on Sharia principles.
AlliSya carries the identical benefit structure — the same plans, limits and features — operated under Sharia (Tabarru’) principles of mutual assistance. For many of our clients, it is the natural choice.
Contributions go into a shared Tabarru’ fund used to help fellow participants. Where a surplus arises, 100% is returned to that fund. The death benefit is also higher than on the conventional plan.
Ask about AlliSya on WhatsAppParticipants contribute to a shared fund used to help one another — protection as a community, not a transaction.
Any underwriting surplus in the Tabarru’ fund is returned to the fund in full — 100%.
Rp30 million (Rp45 million from age 80), compared with Rp15 million (Rp30 million from age 80) on the conventional plan.
A starting point — your advisor tailors the rest.
Illustrative guidance only. Your advisor will recommend cover based on your needs, health and budget.
New to Indonesia
Solid, affordable cover while you get established, with Indonesia-wide network access.
Kids in school
As Charged cover for the whole family, with regional reach for bigger events.
Peak obligations
Comprehensive cover and wider territory while responsibilities are at their peak.
Staying for good
Cover that renews to age 100, sized to your health needs and budget.
Five benefit groups, on every plan.
Inpatient & surgery
Room & board, ICU, surgery, doctor visits and related hospital costs.
Major illness
Dialysis, transplant, cancer outpatient care, HIV/AIDS and palliative care.
Emergency care
Outpatient and follow-up care from an accident, incident or emergency.
Additional benefits
Dengue & typhoid outpatient, durable medical equipment, prosthetics.
Death benefit
Paid to your beneficiary; higher on the AlliSya (Sharia) plan.
Per-item limits, waiting periods and exclusions differ by plan and are set out in full in the Policy Terms & Conditions and your Benefit Table. Your advisor will walk you through the complete benefit schedule.
Answered plainly.
What is the difference between Inner Limit and As Charged?
Inner Limit (Plan Standard) pays up to a fixed sub-limit for each item in the Benefit Table. As Charged (Plan Extra and Premier) pays the actual bill, up to the plan’s Annual Benefit Limit.
What is the Additional Annual Benefit Limit?
An on-top annual limit that effectively doubles your annual limit. It activates when the insured is diagnosed with heart attack, invasive cancer or stroke, and stays active until the next policy anniversary — used for that condition or any other illness once the base limit is exhausted.
Are dengue and typhoid really covered without hospitalisation?
Yes — on an outpatient basis, up to Rp8 million per policy year on all three plans, subject to the required lab criteria and the eligibility window around your diagnosis.
How do I earn the 5% premium saving?
Pay by autodebit and have no paid claims across the 12-month observation period. You then receive 5% off your next renewal premium. It applies only to that renewal and cannot be cashed out.
Who can be insured, and until what age?
The insured can be from 1 month to 75 years at entry; the policyholder from 18 years (ages assessed at nearest birthday). The plan is renewable each year up to age 100. A family policy can cover you and eligible relatives.
Can I change my plan later?
Yes — at renewal you can move up or down, recalculated on your current age. Upgrades are subject to underwriting and carry short claim-reversion windows to keep things fair. Your advisor will explain the details.
What’s the difference between AlliSya and the conventional plan?
AlliSya Preferred Medical has the same benefit structure but is operated on Sharia (Tabarru’) principles, with any underwriting surplus returned to the shared fund and a higher death benefit. The conventional Allianz Preferred Medical is the non-Sharia equivalent.
Let’s find the right health cover for you.
A senior advisor will talk you through the plans, the Sharia option, and what fits your family and budget — in confidence, with no obligation.
Chat on WhatsApp — fastest reply