lifestyle

Allianz Life And Allianz Syariah Have Launched The FlexiMedicalPlan, A Flexible Health Insurance Option

Lifestyle trends can really impact a person's quality of life, both physically and mentally. With the advancements in our times making life easier in many ways, daily activities have changed significantly, especially affecting health. In Indonesia, health insurance claims have surged by about 24% to 25% annually over the last two years (2021-2023). By the first half of 2024, these claims saw a year-on-year increase of 26% (source: AAJI 2023 Report and AAJI Semester I 2024 Report). This rise in health insurance claims is largely driven by the inflation of medical costs in Indonesia, which is projected to increase by 13% according to the Mercer Marsh Health Trends Report 2024. Allianz's health claims data also shows that a significant number of critical illness claims, typically associated with older generations, are now being filed by customers under 40. Over the past two years (2021-2023), Allianz Indonesia reported the highest claims for critical illness treatments, with a notable increase in cases for lung diseases (2,300 claims, up 108%), kidney issues (2,100 claims, up 161%), and cancer (1,900 claims, up 167%) among those under 40. "The need for health protection is a key focus of the solutions we offer our clients. As awareness of the importance of insurance grows, we aim to meet that need."

We offer health insurance protection for various customer segments, including pure health insurance and additional health protection benefits that complement unit-linked life insurance products, conventional options, and those based on Islamic principles,” said Himawan Purnama, Country Chief Product Officer of Allianz Life Indonesia. During the launch of the Allianz Flexi Medical Plan in Jakarta on September 19, 2024, Allianz Life and Allianz Syariah featured Dr. Tirta Mandira Hudhi, MBA, a doctor and entrepreneur who discussed the importance of adopting a healthy lifestyle, especially since many young people today are facing health issues typically seen in older generations. “Lifestyle choices greatly influence a person's health, particularly in how they go about their daily activities. A balanced diet, regular exercise, and mental health care are essential trends that should be consistently practiced to achieve a quality life. Staying healthy is crucial; maintaining physical and mental well-being regularly knows no age limit, so starting young is definitely beneficial,” Dr. Tirta emphasized. Maintaining a healthy lifestyle for a better and prosperous future also involves ensuring financial health, which should be prepared early on. Proper financial planning and preparation will help us reach our life goals. Once you have a clear vision for the future and understand which financial products are suitable to achieve those plans, commitment to consistent efforts is key. “Understanding the pyramid of needs and risk management is vital for achieving financial goals effectively. Besides tracking income and expenses, preparing savings and emergency funds, it’s crucial to make informed decisions about having insurance protection.”

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Tag: Allianz Life Allianz Syariah Flexible Health Insurance Option FlexiMedicalPlan