Roojai Employee Benefit Insurance HealthCare+

Why Get Employee Benefit Insurance Protection with Roojai?

Employee benefit insurance not only provides a sense of security for employees but also boosts their confidence and loyalty towards the company. With health insurance, employees can focus on their work without worrying about unexpected medical expenses.

Roojai has partnered with PT Sompo Insurance Indonesia to offer the best employee insurance plans with a minimum of 3 participants, making it easy for small and medium enterprises (SMEs) to obtain top-notch protection.

About Roojai Employee Benefit Insurance

Roojai is an online insurance platform established in 2016. In partnership with PT Sompo Insurance Indonesia, Roojai offers a wide range of insurance products with outstanding benefits, including employee health insurance plans that can be tailored to each company’s needs. As an online insurance provider, Roojai always prioritizes customers and is committed to delivering the right protection according to their needs, as well as providing efficient claims services. This ensures that every employee receives optimal service and the best protection.

Roojai Employee Health Insurance Policy Benefits

Below is the summary of the benefits offered by Roojai Employee Health Insurance, which can be tailored according to your needs and budget:

* Optional plan (riders) will incur additional premium charges outside the basic plan.

Customize Your Insurance Plan to Save on Premiums

HealthCare+ Employee Benefit Insurance from Roojai offers several deductible and co-payment options to help you save on premiums. Here are the available options:

• Deductible

  Deductible is the amount of money that a policyholder must pay out-of-pocket before the insurance company starts covering the costs.

  Example:
  If the company agrees on a deductible of Rp1,000,000 and the total inpatient cost is Rp5,000,000:

  • The insured must payRp1,000,000 upfront.
  • The remaining Rp4,000,000 will be covered by the insurance according to the policy terms.

• Co-Payment for Outpatient and Dental Care

  The insured pays a portion or percentage of the treatment costs, determined at the start of the policy.

  Example:
  If the company sets a 20% co-payment for outpatient and dental care, and the total treatment cost is Rp500,000:

  • The insured pays 20% (Rp100,000).
  • The insurance covers the remaining 80% (Rp400,000).

• Sub-limit for Simple Diseases

  A sub-limit sets the maximum benefit for specific conditions, especially minor illnesses such as influenza, respiratory infections (ISPA), gastritis, and diarrhea. Since these usually don't require hospitalization, insurers set a separate sub-limit to control premium costs.

  Example:
  If the company sets a sub-limit of Rp2,000,000 for simple diseases:

  • If the insured suffers from ISPA and the treatment costs Rp1,500,000, the full amount will be covered by the insurance.
  • If the treatment cost Rp2,5000,000, the insurer covers Rp2,000,000, and the insured pays the remaining Rp500,000.

• Underwriting Method

  For groups with a certain number of employees, you can choose coverage with or without a waiting period, offering flexibility to determine the best coverage for your company.

  • With a waiting period: Employees can only submit claims 30 days after the policy is active.

Terms and Conditions

1. A minimum of 3 employees must be enrolled.
2. All employees must be included in the insurance program.
3. The eligible age range for employees and their spouses is between 17 and 65 years old.
4. Children eligible for enrollment must be between 15 days and 23 years old, still studying, unmarried, and financially dependent on the employee.
5. The insurance plan must be determined at the start of the program. No changes or additions are allowed once the program begins.
6. Outpatient, dental, and maternity benefits can differ from the inpatient plan but must not exceed two levels above the chosen plan.
7. Supporting documents must be provided in accordance with applicable regulations.

How to Purchase Roojai HealthCare+ Employee Insurance

1. Provide Your Company Information Fill in basic details regarding the number of employees and protection needs, so our team can suggest the most suitable options.
2. Get Plan Recommendations
   Our team will offer various plans tailored to your company's needs and budget.
3. Choose Required Coverage
   Determine the inpatient care plan as the basic protection, then add optional benefits such as outpatient care, dental treatment, or maternity care if needed.
4. Adjust Your Premium
   Optimize your premium by selecting deductible, co-payment, or sub-limits for specific diseases.
5. Fill Out the Registration Form
   After selecting the most suitable plan, complete the registration form with the necessary information.
6. ePolicy Issued Instantly!
   Your electronic policy will be issued immediately, allowing your employees to get insurance protection right away.

How to Claim Roojai HealthCare+ Employee Benefit