Sequis Launches Health Insurance with 'One Care, All In' Concept

PT Asuransi Jiwa Sequis Life (Sequis Life) has launched Sequis CareIn, a health insurance product designed to meet the public’s growing need for comprehensive health protection. The product was launched by President Director and CEO of Sequis Life Ted Margono, accompanied by Director and Chief Agency Officer of Sequis Life Edisjah.

Ted explained that Sequis Life understands the public’s need for health protection continues to evolve. Health protection is now not only focused on financing hospital care, but also needs to accompany customers throughout their health journey.

As a commitment to providing more integrated and sustainable health protection, Sequis CareIn arrives with the concept of ‘One Care, All In’. This product provides comprehensive benefits from diagnosis and treatment to recovery, so that customers can obtain optimal protection at every stage of their health journey.

Ted revealed that the recovery process often requires a longer time and significant costs. The World Health Organization (WHO) notes that around 1.3 billion people worldwide are pushed or further trapped into poverty due to high out-of-pocket health spending.

In Indonesia, this challenge is even greater with medical inflation reaching 16.9% in 2025, according to the Global Medical Trends Survey from WTW. This condition shows that healthcare costs can increase out-of-pocket expenses, potentially burdening the public’s financial situation.

Therefore, comprehensive health protection is becoming increasingly important to help the public manage financial risk while gaining access to optimal healthcare services.

According to him, the rising cost of healthcare services, lifestyle changes, and public awareness of the importance of health protection have driven Sequis Life to present relevant innovations.

“In line with our goal to help the Indonesian people prepare appropriate insurance protection, we present Sequis CareIn, which supports customers at every stage of their health journey, from diagnosis and hospital care to recovery. Thus, customers can focus more on the healing process without being burdened by financial risks due to increasingly high health costs,” said Ted.

Sequis CareIn is developed with a Care Beyond Treatment approach, realised through four main advantages. Sequis CareIn provides Integrated Care by offering protection from the diagnostic stage through diagnostic examination benefits, medical procedures, inpatient care, to the recovery process through medical rehabilitation and follow-up care according to medical indications.

Sequis CareIn also provides daily hospital cash benefits, income replacement benefits during long-term care in an intensive unit, and death benefits.

To provide easy access to healthcare services, this product is equipped with telemedicine facilities that allow customers to consult with general practitioners or specialists, including mental health services, as well as medication provision.

The product also offers a Wellness Benefit to reward customers who adopt a healthy lifestyle. Customers who have no claimable events during the observation period according to the policy terms have the opportunity to receive a Wellness Benefit of up to 20% of the annual premium.

Sequis CareIn provides Infinity protection through a Guaranteed Renewal feature. Customers can obtain certainty of policy renewal without re-underwriting, subject to applicable terms, conditions, and age limits, so that protection can continue at every stage of the customer’s life, with a guaranteed policy renewal up to age 100 as long as the policy terms are met.

Sequis CareIn helps customers stay Incontrol of their health protection by providing flexibility through the Sequis Keeper feature. This deductible option feature provides flexibility for customers to adjust their choice of protection benefits and premiums according to their needs and financial capabilities, while still obtaining protection against high health cost risks according to the chosen plan and applicable policy terms.

Sequis CareIn is also supported by an extensive hospital network. This product is available as a standalone health insurance or as an additional insurance (rider), providing customers with the flexibility to tailor protection to their needs.

As an Innovative health protection solution, Sequis CareIn provides benefits for sustainable disease management, such as dialysis, modern cancer therapy, medical rehabilitation, follow-up treatment for chronic diseases, medical evacuation services, and other benefits.

“We believe every individual deserves optimal health protection so they can live with greater peace of mind. Through Sequis CareIn, we hope more Indonesian families can realise Your Better Tomorrow and continue to be present to accompany #YangPalingBerarti,” concluded Ted.