Cardiovascular Disease Insurance

What is heart insurance or cardiac health insurance?

This type of insurance provides a lump sum payment to the policyholder, which can be used to cover various necessary expenses if the policyholder is diagnosed with a heart disease covered by the insurance policy. This insurance is an ideal protection to safeguard your finances and family from the high costs of hospital treatment for heart disease.

What causes cardiovascular disease?

Heart disease is the highest cause of death in Indonesia. Basic Health Research (Riskesdas) data for 2013 and 2018 shows an increasing trend in heart disease, namely 0.5% in 2013 to 1.5% in 2018.

In fact, heart disease is the biggest cost burden on average Indonesian families. Based on BPJS Health data in 2021, the largest health expense will be for heart disease amounting to IDR 7.7 trillion in a year.

Cardiovascular critical illnesses can be caused by many different factors, some may be genetic, others due to unhealthy lifestyle choices and underlying health conditions. Genetics contribute to conditions like high blood pressure, abnormalities of cholesterol levels, and heart rhythm disorders, increasing risks of cardiovascular diseases.

An unhealthy lifestyle involving smoking or diet with a lot of high saturated fat and cholesterol and lack of consistent physical activity can significantly elevate the risk of cardiovascular illnesses like a stroke or heart disease.

What is the difference between heart insurance and health insurance?

Heart insurance, also known as cardiovascular disease insurance, is one of the critical illness insurance types that specifically covers heart-related medical conditions. It provides compensation if the insured is diagnosed with one of the cardiovascular conditions covered by the insurance policy that can be used to cover medical expenses, recovery expenses, or replace the lost income during the medical treatment.

Conventional health insurance, on the other hand, offers broader coverage for a range of medical services, including but not limited to heart care. It encompasses various health concerns beyond cardiovascular health, such as injuries, infections, and other illnesses.

What is covered under heart disease insurance?

At Roojai, we cover a wide range of cardiovascular cases and conditions, namely coronary artery bypass grafting (CABG), acute heart attack, ischemic stroke and haemorrhagic stroke, and coronary artery disease. If you suffer one of these conditions during the active policy period, you can file a claim and receive the lump sum of money according to the agreement in the policy.

What is not covered under cardiovascular disease insurance?

Cardiovascular disease insurance at Roojai has fewer exclusions compared to traditional insurance, including pre-existing conditions, congenital conditions, and disease arising from Acquired Immune Deficiency Syndrome (AIDS), the abuse or the consequences of the abuse of drugs, alcohol, or smoking. You can check the details of the exclusions at the terms and conditions.

What are heart insurance benefits with Roojai?

Heart insurance coverage provides peace of mind and financial protection from the risk of unexpected expenses that can affect yourself or your loved ones if you suffer from one of the critical heart conditions. With a heart insurance you can get;

1. Financial Protection: Cardiovascular insurance provides financial coverage for medical expenses related to heart conditions. This includes hospitalization costs, surgeries, medications, and diagnostic tests. By having insurance, you can avoid significant out-of-pocket expenses, ensuring they receive necessary medical treatment without the burden of high costs.
2. Access to Comprehensive Care: By having cardiovascular insurance, you can have access to a range of healthcare services tailored to heart health. This may include specialized treatment or advanced modern care that might not be covered by your conventional health care, and also rehabilitation services for recovery.
3. Peace of Mind: Knowing that heart-related medical emergencies or treatments are covered by insurance can alleviate stress and anxiety about potential healthcare costs, allowing you to focus on your recovery and overall well-being without worrying about the financial implications.

Why should I buy a heart insurance policy from Roojai?

• The insured can be 18 to 64 years old and can be extended until the insured is 65 years old.
• Insurance coverage for 5 of the most common heart disease conditions, including coronary artery bypass grafting (CABG), acute heart attack, ischemic stroke and haemorrhagic stroke, and coronary artery disease.
• Get a lumpsum payment upon diagnosis from a reliable medical professional.
• Customize your insurance plan online. Simply select your preferred sum insured starting from IDR 100 mio up to IDR 1 bio.
• Get quality customer service with a 4.9/5 customer satisfaction score from real customers.
• Insurance premium starts at just IDR 250,000 - IDR 1,000,000 per year.

Is there a waiting period for heart insurance?

Cardiovascular insurance waiting period is 90 days from the policy start date before your policy coverage will become active. For more information, you can check all of the terms and conditions.

How much does heart insurance cost?

The cost of a cardiovascular insurance premium with Roojai will depend on several components such as the insured’s profile, smoking behavior, family health history, and more. On average, Roojai customers pay in the range of IDR 250,000 - IDR 1,000,000 per year for a cardiovascular insurance policy.

What are the requirements to buy heart insurance?

• Insured aged 18 to 64 years old
• Insured must not have a pre-existing condition

What payment methods are available?

Roojai offers 2 convenient payment methods for you:

• Credit card
• Virtual account

You can also choose to pay annually or in instalments over 12 months for more manageable insurance premium payments with a credit card or virtual account. For more information, you can check out our How to pay for insurance page.

Is there an installment option for insurance payment?

Yes, Roojai offers a 12-months insurance installment plan for all our critical illness insurances including cardiovascular disease insurance, which you can pay using credit card or virtual account. And when paying in installments using a credit card, we don’t block the amount against your card limit, which should make the premium more manageable for many people.

How to make a heart insurance claim?

Very similar to our critical illness claim process, we offer a convenient way for you to file a claim

1. If you get a medical diagnosis of one of the cardiovascular conditions that is covered by Roojai.
2. Download and complete the claim form along with the required document and send it to our claim expert at medicalclaims@roojai.co.id.
3. We will frequently update your claim status via email.
4. Once approved, we will process the sum insured payment within 30 working days.

How to renew a heart insurance policy with Roojai?

Close to your policy’s expiration date, we will send you an invitation email to renew your insurance policy. This email will contain the current coverage that will be renewed, the renewal price, and a payment button. If you want to renew your cancer insurance policy, you can just simply click the payment button and proceed to renew.

If you have any questions or need more information regarding the policy renewal process, you can contact our team at 021 5089 0822.

How to cancel my heart insurance policy?

There are few common steps that might give you a better understanding of the process:

1. Contact your insurance company
2. Complete the required documents
3. Sign the policy cancellation document

At Roojai, if you need to cancel your insurance policy, you can simply contact our team. We can cancel the policy as soon as our customer service team can get confirmation through the phone.

How to contact Roojai?

• Contact Center (quotation, purchase, general inquiries, claims): 021 5089 0822
• Email hotline:
  for product purchase: contact@roojai.co.id
  for general inquiries: service@roojai.co.id
  for making an insurance claim: medicalclaims@roojai.co.id

Tips to buy cardiovascular disease insurance

Buying cardiovascular insurance is a prudent decision, especially if you have a family history of heart problems, lead a sedentary lifestyle, or have other risk factors. Here are some tips:

1. Assess Your Risk Factors: Consider your age, family history, lifestyle habits, and existing health conditions to determine your risk of heart disease.
2. Consider Your Health Status: If you have risk factors, it's wise to purchase heart insurance sooner rather than later. Waiting until you develop symptoms may result in higher premiums or exclusions for pre-existing conditions.
3. Compare Policies: Research and compare different health insurance policies to find one that offers comprehensive coverage for heart-related conditions with competitive price.
4. Understand Coverage: Read the policy documents carefully to understand what is covered and what is excluded.