Hospitalisation and Surgical Benefit

As an employer, your staff are your most valuable assets.

Your staffs' talents are what your business relies on – and their health is what keeps them going. Private Health Insurance is an investment in your team and your business. 

Get comprehensive, flexible cover for less

If your employees get sick, what is the impact on your business? In Indonesia, only 16% of the population has medical insurance. The rest rely on BPJS to get them back up and running when they fall ill. Private Health Insurance can help get them on their feet faster.

Policy Highlights

24/7 medical helpline

We have professionals standing by 24/7 to provide claims consultancy, and qualified medical staff to answer your employees’ questions about diagnoses, side effects, and health concerns. We understand that health is personal, and our team is always there when you need them.

Keep track online

With our Howden Online Solution, you can keep track of your Group Health cover online. Log in to your private system to see data on employee uptake, create management reports, and see details of claims.

Choose between cashless and reimbursement care – 100+ members

We know that not everyone prefers the cashless care service. That’s why we let you choose between the cashless and reimbursement systems.

If you choose the reimbursement system, we will handle the documentation for you and offer your employees health consultancy related to their claims.

Dedicated expert claims team

Our claims team is there to guide you, helping to speed up claims payments and answer any questions you have.