“I was forced to have it (health insurance),” said Heryanto Tanbri with the laugh on his face in the initial interview. “But it was a good coercion, since I have experienced the benefit of insurance in life,” he added. A staff at BCA, who is also a friend of Heriyanto, referred him health insurance product from AIA, Maxi Protection Plus. Heryanto decided to buy Maxi Protection Plus, not long after he acknowledged the offering of sum assured, services and also the medical coverage.
At the beginning of January 2022, Heryanto had a serious medical issue. “I remember that day, I was having a good time with my friends doing badminton. At that time, I felt pain radiating on my chess. I was planned to go to hospital after badminton but then suddenly I fell during the exercise.”
Heryanto was being rushed to Emergency Department in a nearest hospital for further examination. The doctor declared that Heryanto had suffered a cardiac attack with four spots of heart blockage detected. Heryanto got recommendation to undergo a ring installation surgery. He then received intensive care in a private hospital room (1 bed with an attached bathroom) and continued to have outpatient treatment for approximately 3 months. This treatment got expense of more than IDR100 million to IDR150 million. However, the bills was covered by AIA so Heryanto did not stress to pay all the expenses. The claim process was also cashless, making Heryanto feel faster and more comfortable.
“I only had to pay the excess, which was the cost of diapers. But that is not a problem because the cost is a measly amount of money compared to overall medical expenses,” he added.
In addition, after returning from the hospital, a Personal Medical Management (PMM) service by Medix immediately contacted Heryanto via phone and text messages. Heryanto felt assisted because they had cardiac surgeon and nurses from Medix who intensively checked his condition after surgery. They also provided consultation and recommendation about medical consumptions and treatments for Heryanto. For your information, the PMM service is integrated with Maxi Protection Plus owned by Heryanto.
Heryanto never thought that his decision to buy insurance was right. He admitted that the benefits he received from insurance were very helpful, especially during Covid-19 pandemic that affected his income directly as entrepreneur.
The experience made Heryanto realized the importance of having insurance. “I strongly recommend for all of you to have insurance while you are still in good and fit condition. Please put aside the stigma that you will healthy all the time. Do not ever think that you will know when you will get sick. It is better to have protection from now on. Having insurance will certainly make us feel calm and focus on living a healthy lifestyle,” said Heryanto.
Currently there is a similar product owned by Heryanto, Maxi Value Protection. For more information about this product and the services, kindly visit and consult your insurance needs with Bancassurance Life Consultant (BLC) AIA at the nearest BCA branch.
