Smile Medicare
MSIG Life Insurance Indonesia
Last seen
Oct 2, 2026
Currency
IDR
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Rate tables, benefits, key facts, line-specific details, cash value, riders, and competitor context — extracted from official RIPLAY filings.
Product tables
Manfaat Plan RI 75 - RI 200 (Dalam Ribuan Rupiah)
| Kode | Manfaat | RI 75 | RI 100 | RI 125 | RI 150 | RI 175 | RI 200 |
|---|---|---|---|---|---|---|---|
| H01 | Biaya Kamar dan Menginap (90 hari) per hari | 75 | 100 | 125 | 150 | 175 | 200 |
| H02 | Biaya Kamar Semi ICU/Isolasi (20 hari) per hari | 115 | 150 | 190 | 225 | 265 | 300 |
| H03 | Unit Perawatan Intensif (20 hari) per hari | 150 | 200 | 250 | 300 | 350 | 400 |
| H04 | Biaya Aneka Perawatan Rumah Sakit | 2.000 | 2.370 | 2.790 | 3.150 | 3.470 | 3.780 |
| H05 | Biaya Pembedahan Komplek | 6.000 | 7.000 | 8.150 | 9.400 | 10.650 | 11.900 |
| H06 | Biaya Pembedahan Besar | 3.000 | 3.500 | 4.080 | 4.700 | 5.330 | 5.950 |
| H07 | Biaya Pembedahan Sedang | 1.920 | 2.240 | 2.610 | 3.010 | 3.410 | 3.810 |
| H08 | Biaya Pembedahan Kecil | 1.320 | 1.540 | 1.800 | 2.070 | 2.350 | 2.620 |
| H09 | Biaya Pembiusan Komplek | 2.400 | 2.800 | 3.260 | 3.760 | 4.260 | 4.760 |
| H10 | Biaya Pembiusan Besar | 1.200 | 1.400 | 1.640 | 1.880 | 2.140 | 2.380 |
| H11 | Biaya Pembiusan Sedang | 770 | 900 | 1.050 | 1.210 | 1.370 | 1.530 |
| H12 | Biaya Pembiusan Kecil | 530 | 620 | 720 | 830 | 940 | 1.050 |
| H13 | Biaya Kamar Bedah Komplek | 2.400 | 2.800 | 3.260 | 3.760 | 4.260 | 4.760 |
| H14 | Biaya Kamar Bedah Besar | 1.200 | 1.400 | 1.640 | 1.880 | 2.140 | 2.380 |
| H15 | Biaya Kamar Bedah Sedang | 770 | 900 | 1.050 | 1.210 | 1.370 | 1.530 |
| H16 | Biaya Kamar Bedah Kecil | 530 | 620 | 720 | 830 | 940 | 1.050 |
| H17 | Kunjungan Dokter di RS (90 hari) per hari | 35 | 50 | 60 | 70 | 85 | 95 |
| H18 | Konsultasi Dokter Spesialis di RS per kejadian | 210 | 300 | 360 | 420 | 510 | 570 |
| H19 | Biaya Ambulans | 100 | 100 | 100 | 100 | 100 | 200 |
| H20 | Biaya sebelum dan sesudah perawatan di RS | 150 | 200 | 250 | 300 | 350 | 400 |
| H21 | Perawatan Gigi Darurat Akibat Kecelakaan | 300 | 400 | 500 | 600 | 700 | 800 |
| H22 | Rawat Jalan Darurat Akibat Kecelakaan | 600 | 840 | 1.100 | 1.380 | 1.680 | 1.920 |
| H23 | Perawatan Bedah Minor | 1.320 | 1.540 | 1.800 | 2.070 | 2.350 | 2.620 |
| H24 | Santunan Kematian | 2.000 | 2.000 | 2.000 | 2.000 | 2.000 | 2.000 |
| H25 | Meninggal/Cacat Tetap akibat kecelakaan | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
| Not specified | Premi Tahunan Pria | 304.500 | 369.100 | 436.100 | 501.100 | 567.700 | 630.300 |
| Not specified | Premi Tahunan Wanita | 377.400 | 458.200 | 541.900 | 623.200 | 706.400 | 784.700 |
| Not specified | Premi Tahunan Anak | 202.400 | 244.400 | 287.900 | 330.200 | 373.500 | 414.200 |
Manfaat Plan RI 250 - RI 500 (Dalam Ribuan Rupiah)
| Kode | Manfaat | RI 250 | RI 300 | RI 350 | RI 400 | RI 450 | RI 500 |
|---|---|---|---|---|---|---|---|
| H01 | Biaya Kamar dan Menginap (90 hari) per hari | 250 | 300 | 350 | 400 | 450 | 500 |
| H02 | Biaya Kamar Semi ICU/Isolasi (20 hari) per hari | 375 | 450 | 625 | 600 | 675 | 750 |
| H03 | Unit Perawatan Intensif (20 hari) per hari | 500 | 600 | 700 | 800 | 900 | 1.000 |
| H04 | Biaya Aneka Perawatan Rumah Sakit | 4.570 | 5.250 | 6.300 | 7.140 | 7.500 | 8.400 |
| H05 | Biaya Pembedahan Komplek | 14.400 | 16.900 | 19.400 | 21.900 | 24.400 | 26.900 |
| H06 | Biaya Pembedahan Besar | 7.200 | 8.450 | 9.700 | 10.950 | 7.200 | 13.450 |
| H07 | Biaya Pembedahan Sedang | 4.610 | 5.410 | 6.210 | 7.010 | 7.810 | 8.610 |
| H08 | Biaya Pembedahan Kecil | 3.170 | 3.720 | 4.270 | 4.820 | 5.370 | 5.920 |
| H09 | Biaya Pembiusan Komplek | 5.760 | 6.760 | 7.760 | 8.760 | 9.760 | 10.760 |
| H10 | Biaya Pembiusan Besar | 2.880 | 3.380 | 3.880 | 4.980 | 4.880 | 5.380 |
| H11 | Biaya Pembiusan Sedang | 1.850 | 2.170 | 2.490 | 2.810 | 3.130 | 3.450 |
| H12 | Biaya Pembiusan Kecil | 1.270 | 1.490 | 1.710 | 1.930 | 2.150 | 2.370 |
| H13 | Biaya Kamar Bedah Komplek | 5.760 | 6.760 | 7.760 | 8.760 | 9.760 | 10.760 |
| H14 | Biaya Kamar Bedah Besar | 2.880 | 3.380 | 3.880 | 4.380 | 4.880 | 5.380 |
| H15 | Biaya Kamar Bedah Sedang | 1.850 | 2.170 | 2.490 | 2.810 | 3.130 | 3.450 |
| H16 | Biaya Kamar Bedah Kecil | 1.270 | 1.490 | 1.710 | 1.930 | 2.150 | 2.370 |
| H17 | Kunjungan Dokter di RS (90 hari) per hari | 115 | 140 | 165 | 185 | 200 | 200 |
| H18 | Konsultasi Dokter Spesialis di RS per kejadian | 690 | 840 | 990 | 1.110 | 1.200 | 1.200 |
| H19 | Biaya Ambulans | 200 | 200 | 200 | 200 | 200 | 200 |
| H20 | Biaya sebelum dan sesudah perawatan di RS | 500 | 600 | 700 | 800 | 900 | 1.000 |
| H21 | Perawatan Gigi Darurat Akibat Kecelakaan | 1.000 | 1.200 | 1.400 | 1.600 | 1.800 | 2.000 |
| H22 | Rawat Jalan Darurat Akibat Kecelakaan | 2.400 | 2.760 | 3.150 | 3.360 | 3.600 | 4.000 |
| H23 | Perawatan Bedah Minor | 3.170 | 3.720 | 4.270 | 4.820 | 5.370 | 5.920 |
| H24 | Santunan Kematian | 2.000 | 2.000 | 2.000 | 2.000 | 2.000 | 2.000 |
| H25 | Meninggal/Cacat Tetap akibat kecelakaan | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 |
| Not specified | Premi Tahunan Pria | 764.100 | 894.800 | 1.044.700 | 1.180.000 | 1.287.700 | 1.414.800 |
| Not specified | Premi Tahunan Wanita | 952.000 | 1.115.300 | 1.302.600 | 1.471.800 | 1.606.400 | 1.765.300 |
| Not specified | Premi Tahunan Anak | 501.100 | 586.100 | 683.500 | 771.400 | 841.400 | 924.100 |
Benefits
No benefit-specific details are available yet.
Key facts
cashless
Yes
room class
Rp 75.000 - Rp 500.000 per hari (tergantung plan)
product type
group
waiting period
31 hari untuk semua penyakit, 12 bulan untuk pre-existing condition dan penyakit khusus
entry age insured
Karyawan/Pasangan: 17-59 tahun, Anak: 15 hari-22 tahun
room upgrade policy
Maksimal 25% dari hak atau Rp 50.000 (mana yang lebih rendah) selama 2 hari jika kamar penuh
claim recovery period
14 hari antara rawat inap
hospital network size
200+ Rumah Sakit di seluruh Indonesia
minimum annual premium
Rp 3.000.000
no hospitalization claim limit
Yes
Riders
No riders or add-ons were parsed for this product.
Competitor context
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