JAKARTA - Imagine, you have just been diagnosed to undergo surgery. The doctor mentions the cost figure that makes the heart beat, tens of millions of rupiah. Some time later another disease comes again with a total bill of more than Rp. 200 million. For most people, that figure could mean that the savings of school children disappear, the retirement fund is drained, or even burdened with debt.
But for Joko Mulyono, the story ends differently. Joko is an office worker. Every day he works, saves, and tries to give the best for his family like millions of other Indonesians until one day, a friend who is a marketer offers health protection.
"At that time, I didn't know the importance of sharia insurance. I just followed and bought it without thinking long which turned out to have an impact that changed my life," said Joko.
It was this important decision that eventually saved his family's finances. The first health risk came suddenly. Joko felt a complaint in his back that did not subside.
After further examination, the doctor decided that he had to undergo surgery and hospitalization. The bill almost reached Rp. 50 million. That number is not a small amount. Joko had imagined his savings being drained.
"I was really surprised. It turns out that I don't have to spend a penny from the examination, surgery, to hospitalization, all of which are covered by Prudential Syariah," recalled Joko.
But the test is not over. Some time later, abnormalities were found in Joko's intestines. He had to undergo a colonoscopy procedure. The cost was around Rp. 78 million. Then, four years later, a blood vessel problem forced him to go into surgery again for EVLA with a cost of up to Rp. 102 million.
Three times he went to the hospital. The total bill exceeded Rp. 200 million. And Joko's savings? Still intact.
"In just a few years, my total medical expenses have reached hundreds of millions. Without preparation, this figure could drain all my family's future savings," said Joko.
"Alhamdulillah, my efforts to entrust health protection with Prudential Syariah can secure the family's finances. When the storm of illness comes, the family is still protected in a way that is full of blessings," he said.
For Joko, this experience changed his perspective. He realized that behind his claim that was paid, there were thousands of other participants who indirectly extended their hands through the principle of mutual help (ta'awun) in sharia insurance. Not just a transaction, but a bond that protects each other.
"I am increasingly motivated to protect myself, while implementing the concept of mutual help between participants. This is the meaning of the goodness of sharia insurance. Even for those who have never claimed, they have helped other participants including me, one of the participants who have been helped from the contributions that participants pay," added Joko.
Joko has one message for young people who feel healthy and don't need protection.
"I don't want anyone to experience something similar and instead of focusing on healing, I'm worried about the cost. Today's young generation can't just focus on investing but forget to protect themselves. Pain never waits. The cost can drain the results of hard work in an instant. Through sharia protection, we not only secure the family's finances, but also worship through mutual help. I get it all at once, peace of mind, a safe future, and blessings for others," he explained.
Joko's story is one of the reminders that protection is not just about financial benefits, but also about the presence of protection when families face life risks. Vivin Arbianti Gautama, Chief Customer & Marketing Officer of Prudential Syariah, emphasized that the experience of participants like this continues to strengthen Prudential Syariah's commitment to presenting Sharia protection that is relevant and meaningful for the community.
"The risk of getting sick can come at any time, without warning. Seeing what our participants like Mr. Joko have experienced, further strengthens our commitment as One who Protects to provide complete and truly present sharia protection when needed. We want to ensure that every Indonesian family has access to the best protection, from health, soul, to future planning in accordance with sharia principles," said Vivin, in his statement, Wednesday, June 17.
This commitment is not just words. Since it was established as an independent entity in 2022 to 2025, Prudential Syariah has paid compensation of IDR 8.5 trillion to more than 325 thousand participants, a tangible proof of protection and financial support when Indonesian families face life risks.
Supported by more than 64 thousand marketing personnel throughout Indonesia, Prudential Syariah continues to be present as One who Protects at every stage of life, at every unexpected moment. Because as Joko learned: the best protection is the one that already exists before the risk comes.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
