PRusehat, Health Insurance With Benefits According To The Budget Of Young People Today

Photo: Special

JAKARTA - PT Prudential Life Assurance (Prudential Indonesia) and PT Prudential Sharia Life Assurance (Prudential Syariah) today launched PRUSehat and PRUSehat Syariah, a health insurance product that #BeneranPas to answer the needs of today's young people.

Prudential's latest innovation protection product is intended for the people of Indonesia, especially millennials and Generation Z, which can help ease financial burdens when health risks occur.

With affordable premiums/contributions on Plan A starting from Rp230,000 per month (for certain conditions) with a protection limit of up to Rp900 million, PRUSehat and PRUSehat Syariah include proper protection and services, including hospitalization and outpatient care, for certain diseases such as tiffusion, dengue fever, cancer and dialysis treatment.

In addition, customers can also obtain quality health services in more than 1,700 PRUPriority Hospitals networks in various regions in Indonesia, of which 359 can be done using cashless methods.

Based on the 20201 Population Census, more than 50% of Indonesia's population consists of generation Z and millennials. In the midst of this demographic dominance, the 2023 Indonesian Health Survey (SKI) notes that young people are vulnerable to health problems due to a modern, unhealthy lifestyle. On the other hand, the economic challenges and financial burdens of young people are currently also getting higher, both for those who are single and already married.

A survey conducted by TGM Research in 2024 noted that 84 percent of Indonesians expressed concern about the higher cost of living, especially from youth groups. Still in the same survey, 78 percent of respondents also stated that they chose to adjust their lifestyle and were trying to find more affordable alternatives, so they realized that they needed to be more careful in managing finances for their needs and those closest to them.

However, their awareness of having self-protection through insurance continues to increase. The Populix survey shows the growing interest of young people in insurance, driven by factors such as high medical inflation which is estimated to reach 19 percent by 2025 based on a Health Trend report issued by totaling Marsh Benefits.

The launch of PRUSehat and PRUSehat Syariah is the answer to provide health protection with benefits that #BeneranPas and in accordance with the needs of today's youth at affordable costs, as well as easing the burdens and financial challenges faced by young people in Indonesia.

Yosie William Iroth, Prudential Indonesia's Chief Health Officer, said, for almost 30 years in Indonesia, Prudential Indonesia has always listened to and understood the needs of our customers, especially the younger generation.

"Currently, young people, including young families in Indonesia, sometimes always face various challenges in maintaining health, financial stability and not a few who still use personal costs for health costs which increase every year. Therefore, we present PRUSehat and PRUSehat Syariah as health insurance solutions with benefits that #BeneranPas meets the needs of affordable premiums. Through this product, we hope to support Indonesia's young generation to become healthier, more productive, and financially independent, in order to realize the ideals of Indonesia Gold 2045, "explained Yossie.

With affordable premium/contribution prices accompanied by the provisions of the commitment and dependent costs in accordance with the chosen plan, PRUSehat and PRUSehat Syariah are present with various excellent features, including hospitalization benefits that include the cost of surgical action, hospitalization, and doctor visits, as well as outpatient benefits for diseases such as tyfus, dengue fever, cancer, and dialysis.

For example, if there are PRUSehat customers with Plan Sehat A who have to pay treatment fees in one of the PRUPriority Hospitals network for dengue fever with a total of Rp. 19 million, the cost that must be borne personally is only Rp. 1 million, and the rest will be borne by the company according to the benefits it has on the policy. This product is designed to reach young people and professional workers who need health protection to ease their own dependent costs with sufficient benefits in the event of a health risk.

Vivin Arbianti Gautama, Chief Customer & Marketing Officer of Prudential Syariah, added that it believes that access to inclusive health protection can help protect the wider community.

"PRUSehat Syariah is here as a form of our commitment to expanding access to sharia protection for the Indonesian people, especially the younger generation who are increasingly aware of the importance of financial planning and health protection. With this solution, we want to provide financial peace and assist them in carrying out their mandate to protect themselves and their families, even the younger generation can contribute to mutual assistance between fellow participants and achieve a more blessed life," explained Vivin.

Furthermore, the presence of PRUSehat is a real step for Prudential Indonesia and Prudential Sharia to open the widest access to health protection for various segments of society in Indonesia with the right benefits according to affordable needs and prices. In addition, Prudential Indonesia and Prudential Sharia also continue to develop digital services so that more young people can access insurance information and services more easily through PRUServices.