Health, life, business and property insurance underwritten by Allianz — structured by an advisor who knows your situation, and who files and chases every claim on your behalf.
Each policy is structured around your circumstances, then underwritten by Allianz — never sold off the shelf.
Annual limits to Rp20bn — doubled when advanced-stage illness strikes — with cashless direct billing across the Allianz network. Sharia-compliant option available.
Plans & limits →
Term and whole-of-life cover sized to your obligations — mortgages, school fees, business debts — with clean, fast beneficiary payout.
Cover options →
Public liability, property, business interruption, key-person and group health — one advisor coordinating the whole programme.
Business cover →
Buildings, contents and loss-of-rent cover with catastrophe protection attuned to Indonesia’s seismic and flood risk.
Property cover →Health cover that travels with you, income and schooling protected, every document explained in English.
Health plans →From a single café to a group scheme — liability, assets and staff health under one coordinated programme.
Business cover →Buildings, contents and loss of rent, with earthquake and flood risk priced correctly from the start.
Property cover →Bring your current policy. We compare it line by line and manage the move without a day’s gap in cover.
Get a comparison →A policy is a promise to pay when things go wrong. The cheapest promise is rarely the one you want tested.
Capped at Rp500m, overseas treatment excluded — the family fronts the full bill and absorbs Rp350m+ of it themselves.
Within plan limits and billed directly to the hospital — out of pocket: the airfare.
Illustrative comparison of typical plan structures — not a real claim, and no outcome is guaranteed. See Disclosures.
Every claim acknowledged by your handler within 4 business hours — usually much sooner.
A person with a name and a WhatsApp number — not a ticket queue or a call centre.
We complete the paperwork with you, gather hospital and police documents, and submit to Allianz.
Status updates every week until settlement — most reimbursement claims settle in 7–14 days.
Our service standards — what we hold ourselves to on every claim. Insurer decision and settlement times are governed by Allianz and your policy terms.
One WhatsApp message or call to your advisor. In an emergency, the hospital can call us directly.
Your handler gathers the medical, police or loss documents with you and completes every form.
We submit to Allianz, answer their queries ourselves, and follow up until it moves.
Direct billing is confirmed with the hospital, or funds land in your account. We stay on it until they do.
Meridian Care arranges insurance for families, expatriates and business owners across Jakarta and Bali. We structure the cover, place it with Allianz, and stay accountable for the service — especially at claim time.
We are an advisory, not a call centre: every client has one senior advisor who knows their policies, their family and their business, and answers when it matters.
Because the policy behind them is materially different. Allianz plans carry higher limits, fewer exclusions, overseas treatment and cashless direct billing — and our advisory handles your claim end to end. A cheaper premium usually means a lower cap, more fine print, and a claims process you fight alone. We will happily put any competitor quote side by side with ours and walk you through the differences line by line.
Not for you. You notify your named handler by WhatsApp or phone; we complete the paperwork with you, submit to Allianz, answer their queries, and chase weekly until settlement. Direct-billing hospital claims usually require nothing from you at all. This white-glove claims service is the core of what you pay us for.
Allianz — one of the world’s largest insurers, rated AA (S&P Global) for financial strength, operating in Indonesia under OJK supervision. We are the advisory that structures your cover, places it with Allianz, and services it; the financial promise behind the policy is theirs.
Yes. We arrange cover for foreign residents on KITAS/KITAP as well as Indonesian citizens, and higher-tier health plans can include treatment across Asia, and Australia on Plan Premier. Life and property cover can be structured around foreign ownership arrangements — we will flag anything that needs legal attention.
Yes — Allianz operates a Sharia window (AlliSya) with the same benefit structures and limits, run on a takaful basis. If that matters to you, tell your advisor and we will structure the plan that way; if not, the conventional plans apply.
It depends on age, plan tier (Standard, Extra or Premier), geographic scope and any deductible you choose — which is why generic price lists mislead. Send the form with your family details and an advisor will return a real premium range, in writing, within one business day. No medical questionnaire is needed to get the range.
In-patient and surgical care is the core: room and board, ICU, surgery and related hospital costs, plus major-illness care such as dialysis and cancer outpatient treatment. All plans add outpatient cover for dengue and typhoid, emergency outpatient care, and cashless direct billing at Allianz network hospitals; higher tiers extend cover across Asia, and Australia on Plan Premier. Before you sign, your advisor walks you through the full table of benefits — including the exclusions.
A senior advisor will come back within one business day with an honest view — including whether you actually need the cover you’re asking about.
Chat on WhatsApp