Zurich Optimal Health Assurance Inpatient Insurance

Zurich Optimal Health Assurance (ZOHA) provides coverage for a wide range of medical conditions requiring hospitalization, subject to the benefits stated in the policy. However, as with most health insurance plans, certain terms and conditions apply, including waiting periods for specific conditions, such as up to 90 days for designated illnesses. Please refer to your policy for details on benefits, exclusions, and applicable terms.

Yes. Zurich Optimal Health Assurance (ZOHA) covers surgery and other medically necessary surgical procedures as part of its inpatient medical benefits, based on the selected plan. This includes surgeon's fees, operating room charges, anesthesia costs, and other eligible surgical expenses, with medical coverage of up to IDR 40 billion per year, helping provide financial protection against significant hospital expenses.

Yes. Zurich Optimal Health Assurance (ZOHA) offers cashless services at participating hospitals, allowing policyholders to receive eligible medical treatment without paying upfront, subject to policy benefits and terms. This helps simplify the hospital admission and billing process. Visit the Zurich Topas Life Hospital Network page to view our list of participating hospitals.

Zurich Optimal Health Assurance (ZOHA) can be used at Zurich's network of participating hospitals for cashless services in Indonesia, Malaysia, and Singapore, depending on the geographical coverage of the selected plan. The policy also provides worldwide medical coverage, with certain territorial exclusions, such as the United States, in accordance with the policy terms. To view the latest list of participating hospitals, visit the Zurich Topas Life Hospital Network page or contact Zurich Care at 1500 456.

Yes. Zurich Optimal Health Assurance (ZOHA) provides outpatient benefits both before and after hospitalization, subject to the policy terms and conditions. This means eligible consultations, follow-up examinations, and post-hospitalization treatments related to an inpatient stay are covered according to the selected plan and benefit limits.

Inpatient health insurance covers medical expenses when a patient is admitted to a hospital, including room charges, surgery, medical procedures, and other inpatient care. Outpatient health insurance, on the other hand, generally covers medical consultations, diagnostic tests, and treatments that do not require hospitalization. Zurich Optimal Health Assurance (ZOHA) provides comprehensive inpatient coverage, including outpatient benefits before and after hospitalization, subject to the policy terms and conditions.