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A critical illness can drain your savings with medical bills, daily expenses, and lost income. Unlike regular health insurance that reimburses hospital bills, Oona Critical Illness Insurance provides a 100% lump-sum payout upon diagnosis. Use it for treatment, daily costs, or maintaining your lifestyle. Protect your finances and stay prepared. Learn why every Indonesian needs critical illness insurance today.
Imagine this: You’ve worked hard, saved for a house, a car, or your children’s education. Then, unexpectedly, you’re diagnosed with a critical illness like cancer, a heart attack, or a stroke.
Suddenly, all your financial goals must be reprioritized to cover high medical costs, daily living expenses during recovery, or, in the worst case, lost income due to the condition.
Many Indonesians assume that emergency funds or health insurance are enough to cover these expenses. But what happens if your costs exceed the coverage limit?
This is where Oona Critical Illness Insurance plays a crucial role in protecting your financial stability.
Most private health insurance plans in Indonesia have coverage limits that may not be sufficient to cover the high costs of illnesses like cancer or heart disease.
While BPJS Kesehatan helps reduce medical expenses, it does not cover everything. Many patients still need to pay out-of-pocket for medications, hospitalization, and specialist treatments.
Having an emergency fund is essential, but it is limited. A critical illness can lead to lost income for months or even years, making it difficult to cover:
Household expenses and daily living costs
Ongoing medical treatments and medications
Specialist consultations and alternative therapies
Without a backup plan, you may be forced to sell assets, take out loans, or seek financial assistance.
Unlike regular health insurance that reimburses medical bills, Oona Critical Illness Insurance provides a 100% lump-sum cash payout upon diagnosis of a critical illness. You can receive coverage of up to IDR 500 million, depending on your selected plan.
You can use the funds as needed, such as:
Paying for treatments not covered by insurance
Covering living expenses during recovery
Paying off loans or mortgage installments
Supporting alternative care or rehabilitation programs
Any other personal financial needs
A severe illness can force you to stop working for months or even permanently. With a lump-sum cash payout, you and your family can still afford essential needs such as food, rent, school fees, and other daily expenses.
Many Indonesians go into debt or sell assets to pay for medical treatments. Oona Critical Illness Insurance prevents this financial burden by providing immediate financial support, so you don’t have to deplete your savings or take out high-interest loans.
Many Indonesians believe that BPJS Kesehatan or private health insurance is enough to cover medical costs. While these plans provide essential protection, they are not designed to cover the full financial burden of a serious illness. That’s why critical illness insurance is essential to supplement your existing BPJS or private health insurance.
Here’s why critical illness insurance fills the gap:
Health insurance primarily covers hospitalization, doctor fees, and some medications. But if you’re unable to work due to illness, you still need to pay for:
Daily living expenses (rent, food, utility bills)
Mortgage or car loan payments
Children’s school fees
Specialized care and alternative therapies
Other financial obligations
With Oona Critical Illness Insurance, the payout can be used for anything, not just medical bills.
Most health insurance plans have a coverage limit. If your medical expenses exceed that limit, you must cover the difference out of pocket. Moreover, many health insurance plans do not cover critical illnesses.
With Oona Critical Illness Insurance, you can choose higher coverage based on your needs. Once you’re diagnosed with a covered condition, the full payout is given immediately, without depending on hospital bills.
Recovering from a serious illness takes time. Even if health insurance covers hospital bills, you may be unable to work for months or even years.
Oona Critical Illness Insurance provides financial stability, so you can focus on recovery without worrying about lost income.
Some advanced treatments, such as experimental drugs, specialized rehabilitation, or alternative therapies, may not be covered by health insurance.
With Oona Critical Illness Insurance, you have the financial flexibility to access the best treatments for a full recovery.
Health Insurance - Covers hospital bills and medical treatments
Critical Illness Insurance - Provides 100% lump-sum cash payout for non-medical costs and financial stability
By having both types of coverage, you and your family are fully protected from the financial impact of a critical illness.
When discussing medical expenses, most people only think about hospital bills. However, the actual cost of a critical illness is much greater and includes:
Long-term treatments and medications
Rehabilitation and recovery therapies
Lost income due to inability to work
The number of deaths from critical illnesses has increased, highlighting the growing health risks for Indonesians:
This data confirms that critical illnesses are on the rise, meaning more Indonesians are at risk of severe health and financial consequences.
Traditionally, critical illnesses were seen as health risks for older adults. However, recent reports indicate that more cases are being diagnosed in younger Indonesians, especially for cancer, stroke, and heart disease. Risk factors include:
Unhealthy lifestyles (poor diet, lack of exercise)
Increased stress levels
Genetic predisposition
The financial burden of critical illnesses is often underestimated. Here’s a breakdown of estimated treatment costs for common life-threatening conditions:
Loss of income: Many patients are unable to work for months or even years after diagnosis.
Daily expenses: Rent, groceries, school fees, and transportation costs still need to be covered.
Out-of-pocket medical expenses: Alternative treatments, specialized medications, and home care add to the financial burden.
Without proper financial planning, many families are forced to take on debt, sell assets, or rely on crowdfunding to cover medical costs.
Without adequate financial support, many patients are left with no choice but to:
Take out high-interest loans, leading to long-term financial hardship.
Sell property or assets, losing years of hard-earned investments.
Rely on donations or crowdfunding, which is often insufficient and unreliable.
With Oona Critical Illness Insurance, you receive a 100% lump-sum cash payout, ensuring you have enough funds without depleting your savings or going into debt.
While health insurance can help reduce hospital expenses, Critical Illness Insurance provides immediate cash for all your needs, including non-medical costs such as lost income, therapy, and daily expenses.
This allows you to protect your savings and maintain financial stability, even during a health crisis.
To determine the right premium based on your age, gender, and health profile, follow these steps:
1️⃣ Visit Oona Critical Illness Big 3 Insurance Page
👉 https://myoona.id/en/all-product/critical-illness-insurance/
2️⃣ Enter Your Information
✔ Fill in details such as gender, birthdate, smoking status, and more.
3️⃣ Get Your Premium Quote
✔ Instantly see your premium cost for coverage up to IDR 500 million.
A medical emergency can happen anytime, but its financial impact can be managed. Relying solely on health insurance is not enough, as it only covers hospital bills—not hidden costs like long-term treatment, lost income, and daily expenses.
With Oona Critical Illness Big 3 Insurance, you receive a 100% lump-sum cash payout upon diagnosis, allowing you to:
✅ Cover both medical and non-medical expenses
✅ Maintain financial stability even if you stop working
✅ Avoid debt, loans, or selling assets
With cancer, heart disease, and stroke cases rising in Indonesia, having critical illness insurance is a smart financial decision. Protect your savings and financial future with Oona. Don't wait until it's too late!
