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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.
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.
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.
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.
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.
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;
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.
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.
Roojai offers 2 convenient payment methods for you:
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.
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.
Very similar to our critical illness claim process, we offer a convenient way for you to file a claim
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.
There are few common steps that might give you a better understanding of the process:
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.
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:
Ischemic stroke
Occurs when a blood vessel supplying blood to the brain is obstructed or blocked, leading to a lack of blood flow (ischemia) to a part of the brain.
Haemorrhagic stroke
Occurs when a weakened blood vessel in the brain ruptures or leaks, leading to bleeding (hemorrhage) into the surrounding brain tissue. This bleeding can cause increased pressure on the brain and damage to brain cells.
Coronary artery bypass grafting (CABG)
A surgical procedure used to improve blood flow to the heart muscle in individuals with coronary artery disease (CAD).
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