Healthactive

Asuransi Kesehatan Proteksi Ekstra

AXA Mandiri

Last seen

Oct 2, 2026

Currency

IDR

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Overview

Company site

Company

AXA Mandiri

Currency

IDR

Insured object

Health/medical costs (top-up BPJS Kesehatan inpatient room class upgrade)

Coverage period

1 year, automatically renewable up to age 75

Sum insured

Annual aggregate inpatient limit shared across all inpatient sub-benefits: Rp1.5B (Plan Ekstra Kelas I) or Rp2.5B (Plan Ekstra Kelas VIP). Covers the difference in cost from upgrading BPJS Kesehatan inpatient room class.

Research context

Pricing tier

standard

Premium range

Rp2,746,200 per year (illustration for age 25, Plan Ekstra Kelas VIP)

Target segment

BPJS Kesehatan participants seeking upgraded inpatient room class

Distribution

Bank

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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

Asuransi Kesehatan Proteksi Ekstra — Tabel Manfaat

Manfaat Asuransi	Keterangan	Plan Ekstra Kelas I	Plan Ekstra Kelas VIP
A. Manfaat Rawat Inap (seluruh sub-manfaat 1-10)	Per Tahun Polis	Maksimal Rp1.500.000.000 per tahun Polis	Maksimal Rp2.500.000.000 per tahun Polis
B. Ambulans (dari Provider ke Provider)	Per Tahun Polis	Rp1.000.000	Rp1.500.000
C. Evakuasi medis, repatriasi medis atau Repatriasi Jenazah	Berlaku di dalam negeri	Dijamin Cashless	Dijamin Cashless
D. Santunan hospital cash plan	Per hari, hari ke-2 s.d. hari ke-30 per kasus, maksimal 50 hari/tahun	Rp250.000	Rp500.000

Simulasi — Manfaat Rawat Inap (Plan Ekstra Kelas VIP, usia 25, BPJS Kelas I)

Keterangan	Nilai
Biaya perawatan di kelas I (BPJS)	Rp30.000.000
Biaya perawatan di kelas VIP	Rp45.000.000
Selisih biaya (ditanggung Penanggung)	Rp15.000.000

Simulasi — Manfaat Hospital Cash Plan (Plan Ekstra Kelas VIP, usia 25, BPJS Kelas I)

No	Kasus	Hari Rawat Inap	Hari dibayar	Jumlah dibayar	Sisa limit hari perawatan
1	Malaria	13 hari (15 Jan - 27 Jan)	12 hari (16 Jan - 27 Jan)	12 × Rp500.000 = Rp6.000.000	38 hari
2	Tifus	18 hari (11 Mar - 28 Mar)	17 hari (12 Mar - 28 Mar)	17 × Rp500.000 = Rp8.500.000	21 hari
3	Demam Berdarah	14 hari (3 Mei - 16 Mei)	13 hari (4 Mei - 16 Mei)	13 × Rp500.000 = Rp6.500.000	8 hari
4	Gerd	10 hari (7 Agu - 16 Agu)	8 hari (8 Agu - 15 Agu)	8 × Rp500.000 = Rp4.000.000	0 hari
5	Anemia	3 hari (23 Okt - 25 Okt)	0 hari	0	0 hari

Benefits

No benefit-specific details are available yet.

Key facts

cashless

Yes

room class

Top-up: 1 class (or more) above BPJS Kesehatan inpatient room entitlement

grace period

Polis ends automatically when lapsed

plan options

Plan Ekstra Kelas I, Plan Ekstra Kelas VIP

product type

Top Up Bpjs

joint product

Yes

claim deadline

90 calendar days after end of treatment or receipt date

coverage scope

Supplementary health insurance providing inpatient room class upgrade above BPJS Kesehatan entitlement, plus ambulance, medical evacuation, repatriation, and hospital cash plan benefits

coverage region

Indonesia (medical evacuation, repatriation, body repatriation)

free look period

14 calendar days from policy receipt

entry age insured

0-64 years (last birthday)

primary guarantor

BPJS Kesehatan as first payer

secondary guarantor

Penanggung (insurer) as second payer based on Surat Eligibilitas Peserta (SEP) BPJS Kesehatan

claim payment deadline

10 working days (60 working days for claims requiring investigation)