Medical Costs Are Getting More Expensive, Here's How to Choose the Right Health Insurance

Illustration of thinking about the increasingly expensive health costs. (Prudential Indonesia)

JAKARTA - Medical-related costs, ranging from doctor consultations, supporting examinations, medicines, to hospitalization, now require increasingly large costs. This condition can occur due to various factors, one of which is inflation.

Based on the Health Trends 2026 report from Mercer Marsh Benefits, medical inflation in Indonesia is estimated to reach 17.8 percent, far exceeding the general inflation which is only in the range of 2.5 percent. This means that health service costs are increasing much faster than the general cost of living, which has the potential to put financial pressure.

In addition to inflation, there are also a number of other factors that affect the increase in medical costs. Starting from the development of medical technology and modern medical equipment, to the increased awareness of the public to check themselves after the pandemic, which has an impact on the surge in the volume of utilization of health facilities.

Therefore, having the right health protection is very important for the community to avoid a large financial burden when they need medical treatment. However, the selection of health protection must also be thought through well in order to choose the right one.

There are several steps that can be taken to choose the right health protection, namely as follows.

1. Understand the details of the policy benefits

Before choosing health protection, you need to periodically review your insurance policy. Understand the limits of coverage, the scope of protection, as well as rights and obligations so that there is no gap between expectations and claims later.

2. Check the hospital network

Checking the hospital network is very important before choosing health protection. This will give you the convenience of getting access to the nearest home or workplace, quality of service, and avoiding the risk of medical cost rejection.

3. Choose an insurance with fair and comprehensive added value

Modern health insurance should not only be useful when the customer is sick. Choose a health protection that can also give you more benefits even when you are in good health.

One of them is with Prudential Indonesia, which always strives to provide maximum health protection to each of its customers so that medical treatments can be carried out calmly and comfortably.

"The increase in health costs due to medical inflation is a reality faced by the entire health service ecosystem. Our priority at Prudential Indonesia is to ensure that customers can still access the medical care they need with peace of mind," said Chief Health Officer of Prudential Indonesia, Yosie William Iroth, in an official statement, Tuesday, August 4, 2026.

Not only that, Yosie also added that it is important for the public to choose the right health protection, which continues to innovate to provide fairness and real benefits for customers.

"Prudential continues to provide an easier, transparent, and relevant experience for customers, ranging from access to a network of quality hospitals through PRUPriority Hospitals, digital services through PRUServices, to various appreciation benefits through PRUPoints. We want customers to feel that they have a partner who accompanies their health and financial journeys at every stage of life," concluded Yosie.