Group Medical Insurance

Helping to keep you, your people, and your business healthy

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What is group medical insurance?

Group medical insurance is a powerful employee benefit that gives your team access to private healthcare services. It supports wellbeing, reduces absenteeism, and helps attract and retain top talent.

It typically includes consultations, hospital stays, surgeries, and specialist treatment — and cover can be extended to employees' immediate family. You choose whether to offer it to your entire workforce or specific groups, based on your business needs.

Why it matters in Indonesia


In a country where most employees rely on BPJS for healthcare, offering group medical insurance sets your company apart. It gives your team faster access to high-quality private healthcare, reducing wait times and improving recovery outcomes.

That means fewer sick days, lower disruption, and a healthier, more productive workforce. It shows your people you truly care — and that matters.

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Policy highlights

24/7 medical helpline

Qualified medical staff and claims consultants are always on hand to answer questions — from symptoms and side effects to ongoing concerns. Health is personal. We're always here.

Keep track online

With the Howden Online Solution, you’ll have access to real-time data. Track employee uptake, generate reports, and monitor claims through your own secure platform.

Cashless or reimbursement care (100+ members)

You choose the claims model that fits best. Prefer reimbursement? No problem — we’ll handle documentation and offer consultancy to support your employees’ claims journey.

Dedicated expert claims team

Our team is here to make things simple. We guide you through the process, resolve issues quickly, and help ensure faster claims payments.

  • Sends a strong message that employee wellbeing is a priority
  • Reduces sickness-related absence
  • Supports earlier returns to work and eases workload disruption
  • Builds loyalty and trust across your team
  • Enhances productivity, morale, and retention
  • Strengthens your employer brand in a competitive talent market
     

  • Private insurance offers shorter wait times and access to a broader network of providers than BPJS 
  • Confidence and peace of mind without long public wait times
  • Treatment plans that work around busy lifestyles
  • Access to mental health support – discreet and specialist care
  • 24/7 access to virtual GPs from the comfort of home
  • Often available on a Medical History Disregarded (MHD) basis — meaning even pre-existing conditions may be covered, starting from as few as one employee

Expert guidance and support

Whether you're exploring group medical insurance for the first time or reviewing your current programme, our specialist consultants are here to help. We don’t just recommend a plan — we partner with you to build something that’s right for your business, your people, and your budget.

We look beyond policy terms and pricing to find a solution that works in the real world. With Howden, you can be confident that your team’s health is in expert hands.

Ready to invest in better health for your people?

Let’s talk about building a healthcare benefit that actually works — for your team, your culture, and your bottom line.

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Meet the team

Photo of Firman Amersyah

Firman Amersyah

Senior Vice President
Photo of Firman Amersyah

Firman Amersyah

Senior Vice President

Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.

Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.

Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Erick Silalahi 

Erick Silalahi 

Vice President
Photo of Erick Silalahi 

Erick Silalahi 

Vice President

Erick joined Howden in September 2013 as Assistant Manager in the Strategic Business Development. Having been promoted in January 2016 as business manager. He was given a new role to lead Employee Benefits effective from June 2016. He is responsible for client servicing in Employee Benefits area and making sure to meet our client expectations.

Prior to joining Howden, Erick worked with Aon for 2 years as Account Executive and responsible for new business and existing client development for global and referral business Aon worldwide. Previously, He also experienced working for insurance companies. He has overall more than 8 years experience in the industry.

Erick graduated from STIMRA Trisakti and currently pursuing professional qualifications in insurance broking. He holds professional qualification Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).

Photo of Yolanda Ulfa

Yolanda Ulfa

Business Manager
Photo of Yolanda Ulfa

Yolanda Ulfa

Business Manager

Yola joined Howden in January 2017 as Assistant Manager in Employee Benefits division. She is responsible for expanding and client servicing in Employee Benefits area and making sure to meet our client expectation.

Prior to joining Howden, Yola worked for one of big insurance broker company, PT Jardine Lloyd Thompson.

Yola also holds professional qualification Ahli Pialang Asuransi dan Reassurance Indonesia (APAI). Yola also qualified at Level 5 for professional Insurance Broker certification based on Indonesian regulation.