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The health protection you need
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The best life insurance to protect your family
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Cash compensation during hospitalization
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Coverage for dengue fever, typhus, etc.
EN
ID
Best Health Insurance
Inpatient and outpatient care benefits with 700+ hospitals partner
Flexible coverage
for everyone
Starting from
Rp100.000/month
Inpatient & Outpatient
Inpatient Flexible coverage
for everyone Starting from
Rp100.000/monthLearn more about the health insurance types
Inpatient Care
Inpatient care is any treatment where treatment is needed in a hospital or other medical institution.
Inpatient and Outpatient Care
Inpatient and outpatient insurance covers both treatments that require hospitalization and non-require hospital admission.
Factors That Affect The Price of Your Insurance Premiums
The following are nine (9) factors that affect the price of health insurance premiums or contributions:Type of Coverage
The cost of your insurance premium is determined by the type of health insurance you choose. In addition, if you have purchased add-on covers, your health insurance cost will increase.
Smoking Habit
If you are a smoker, usually you will have to pay higher premiums compared to non-smokers because smoking increases the risk of dangerous diseases such as cancer, stroke, heart disease and lung disease.
Age
Your age is a major factor in determining health insurance premiums. The insurance premiums are higher for older people as the risks of illness are higher compared to younger people.
Medical History
The amount of your premium is determined by your previous medical records. Your premium will be higher if you have a history of illness or if you have a pre-existing disease.
Occupation
The premium charges are affected by the nature of your work and the amount of risk you face at work. If you work in a high-risk environment where there is a high risk of injury, your premium will be higher.
Body Mass Index (BMI)
If you have a high BMI, your premiums will rise. People with a high BMI are more likely to develop serious illnesses such as heart diseases, diabetes, high blood pressure and breathing problems.
Policy/Certificate Period
The term of the policy plays an important role in determining the value of the premium. If you choose a policy with a longer term, your premium or contribution will be lower.
Geographical Location
Every geographic location will have different risks and medical costs. Other than that, other environmental factors such as pollution, climate, and so on also affect the premium. Your policy premium is determined by where you live.
Number of Dependents
As there are more people covered under the policy, your marital status and number of dependents will also affect your insurance rate.
Buy and manage your insurance policy online, directly from Qoala
1
Choose
Choose health insurance according to your needs
2
Fill-in
Complete your personal information and make payment
3
Received
Receive your policy in your email inbox
and claim from Qoala directly
Claim processes are completely digital with this 3 simple steps!
4
Call
Contact our customer service as soon as possible
5
Policy Report
Save all important documents and make reports immediately
6
Submit Documents
Submit the relevant documents to claim representative of Qoala
Enjoy the many benefits of the best health insurance from Qoala
Best Family Protection
for your spuose and children.
Transparent Fees
No hidden fees, no fuss, rest easy with crystal clear payments.
In-Depth Comparison
Compare not only price but all the benefits offered!
Frequently Ask Questions
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Standard Chartered Tower, Lt 7 Zona BCDE
Jl. Prof. DR. Satrio No.164, Kuningan Tim., Setiabudi, Jakarta Selatan, DKI Jakarta 12950
Copyright © 2023 Qoala | Qoala cooperates with PT Mitra Jasa Pratama. PT Mitra Jasa Pratama is an insurance broker registered and supervised by the Financial Services Authority with registration number: KEP-776/MD/1986.
