Is it necessary to have a critical illness insurance policy?

Insurance BlogIs it necessary to have a critical illness insurance policy?

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According to the Basic Health Research (Riskesda) report published by the Ministry of Health, diseases classified as critical are generally caused by an unhealthy lifestyle that has been practiced for years. Riskesda 2018 provides data that 95.5% of Indonesian people consume less fruits and vegetables. Then, 33.5 percent of people do less physical activity. 29.3% had the habit of smoking. And 21.8% of adults were obese.

You know that these bad habits increase the risk factors of developing critical diseases. A critical illness is not a disease caused by bacteria or a virus like covid-19. This means that this type of disease does not appear spontaneously. According to the data of the World Health Organization (WHO) in 2018, cardiovascular disease is a critical disease with the highest mortality rate in Indonesia, which is 35%. Cancer is in the second place, i.e. 12%.

Critical illness affects those who suffer and those around them. Not only does it affect health, but critical illnesses also affect mental and financial health. How much does it cost to treat a critical illness? Is health insurance like BPJS alone enough? Come on, keep reading this article to increase your knowledge.

All kinds of critical diseases

In the world of health and insurance, at least three of the following are considered critical illnesses that are commonly experienced by the general public:


According to Riskesdas data, the prevalence of cancer in Indonesia has increased from 1.4 per 1,000 population in 2013 to 1.79 per 1,000 population in 2018. Global Burden of Cancer Study (GlobucanThe World Health Organization (WHO) noted that the total number of cancer cases in Indonesia in 2020 was 396,914 cases and 234,511 cases of this disease caused death.


A stroke is a serious medical condition and can be life-threatening. According to the report of the World Stroke Organization in International Journal of Stroke (2022), until now, stroke is the second cause of death and the third cause of disability in the world. In the last two decades, the number of strokes has increased, with 86% leading to death and 89% leading to disability, especially in low- and lower-middle-income countries.

Heart disease

Heart disease is the leading cause of death in Indonesia. Data from the 2013 and 2018 Basic Health Surveys (Riskesdas) show an increasing trend in heart disease, from 0.5% in 2013 to 1.5% in 2018. In fact, heart disease is the largest cost burden. According to BPJS Health data, in 2021, the highest health budget for heart disease will be IDR 7.7 trillion.

Critical illness treatment costs

They are not only at high risk of mortality, but also incur high costs for acute illnesses. The cost of treating critically ill patients depends on the type of disease, level or stage, medical procedures, drugs and other things. The cost of treatment varies greatly.

In addition to high costs, inflation also affects the increase in medical costs year after year. Data from Mercer Marsh Benefits in 2019 predicts that medical expenses in Indonesia will increase by 11% every year.

As an example for you, below is an estimate of the cost of critical illness treatment in Indonesia:

  • Cancer: about IDR 100 million per month, which covers the cost of drugs, radiotherapy or chemotherapy, and surgery.
  • Heart: 50-100 million rupees for ring fitting and 150-300 million rupees for surgery shortcut. Just one heart check is around 3.7 to 4 million rupees.
  • Kidney: 50-60 million rupees for hemodialysis or dialysis per year.

Imagine if you had to bear the operating costs shortcut That goes to hundreds while your income is not more than 10 million per month. You may have to drain your savings and even sell assets to cover the bills.

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Is BPJS alone sufficient?

This health insurance provided by the government covers almost all types of diseases. You can also get with BPJS Health cover The cost of critical illness treatment with these benefits, it is natural to think that BPJS Kesehatan alone is enough. Unfortunately, your assumption is not entirely correct. If the critical illness experienced turns out to be severe enough, the costs to be incurred will be higher. In addition, acute illness causes you to decline in the professional field because you are no longer able to perform normal tasks. In addition, several aspects of recovery support are not covered by health insurance or BPJS, for example travel expenses, wheelchairs, and other non-medical expenses.

Do you know the ratio? out of pocket Health insurance participants because cover Not enough for critical illness? It appears that 30% of health sector participants and private health insurance participants still have to spend a lot of money when treating critical illnesses. Ratio out of pocket Or the cost of treatment outside of insurance coverage is quite high, you know! Critical illness is actually a serious condition and requires high costs.

Not infrequently, insurance customers are still required to pay their own fees. Although this disease reduces the ability of affected people to do professional work. As a result, the income decreases and it becomes more difficult to pay the expenses of the illness.

Therefore, additional critical illness insurance is a good solution. This insurance can be the first step to protect against unwanted scenarios at an affordable price.

Additional critical illness insurance

To maximize your primary health insurance protection, you should have additional critical illness insurance. There are three reasons for having this insurance, which are:

1. Provides a sense of peace and security from the financial burden

This insurance will help you reduce the inevitable financial burden, especially those caused by critical illnesses, with an adequate amount of insurance.

2. As a supplement to your health insurance

Additional critical illness insurance is here to provide cash compensation benefits that can be used as additional treatment expenses, even if the hospital expenses are covered by other insurances. If the insurance you have does not have enough benefits to cover it, these benefits can also be used Critical illness care

3. Replacement of lost income due to critical illness

Especially for entrepreneurs and freelancers, going through critical recovery stages means losing time and earning opportunities. With additional critical illness insurance, you will receive cash compensation that does not depend on the costs of treatment incurred, as a replacement for income that may be lost during the treatment of a critical illness.

Choose the best critical illness insurance

As the name suggests, this additional insurance provides financial protection in the event of a critical illness. To get the best protection, make sure you choose critical illness insurance that suits your needs.

Rojai Critical Illness Insurance offers the best protection against the following critical illness groups:

  • cancer
  • Neurological diseases (stroke, aneurysm)
  • Heart disease
  • Kidney failure
  • Diseases caused by mosquito bites

With flexible protection, you can choose one of the above 5 categories of critical illness insurance. You can also customize the protection you want based on your budget. So you don’t have to worry about not being able to pay the premium. You know, even with IDR 4500 per month, you can get the benefits!

Critical illness insurance from Roja Indonesia is the right choice to supplement your basic health insurance or BPJS. Having Rojai critical illness insurance protects you from the financial burden caused by the high costs of hospital care. In addition, this insurance is a substitute for the lost expenses of you and your family due to the treatment of critical illness. Please take the time to read the complete information so that you can achieve complete peace of mind in carrying out your daily habits and protecting yourself and your family.