Life and Private Medical Insurance

Life and Medical Insurance gives you access to Private Healthcare, without the price tag. From initial diagnosis to final consultation, you can get the treatment you need more quickly and with less fuss. When it comes to your health, why settle for anything less than the best?

We are fortunate to live in a country where anyone can access healthcare, whenever they need it. But unfortunately, the BPJS isn’t as fast or as efficient as the private healthcare system. With private medical insurance you can benefit from round-the-clock consultancy from medical experts, shorter waiting times, and top-class treatments when you need them most.

Howden’s policy includes:

24/7 medical helpline

Direct access to highly qualified medical professions, whenever you need them. Our helpline is manned 24/7, so you can talk to a professional about your health concerns, symptoms, diagnoses, and side effects whenever you need to.

Dedicated expert claims team

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

Things to be aware of

Named Perils Policy

Health Insurance is almost always agreed on a Named Perils policy. This means that the policy document will specifically state the conditions that are covered. Anything that is not listed is not covered.

Excluded Pre-Existing Conditions

This is one of the most common conditions in Health Insurance. As Health Insurance is a Named Perils cover, some pre-existing conditions are excluded from lower premium policies. It is very important to check whether any conditions are excluded, as this will affect the treatments that your employees can access.