In this illustrated scenario, you are a private employee who has health insurance benefits covered by the office. As a complement, you decide to buy hospital cash plan insurance with a premium of IDR 75,000 with cash benefits of IDR 300,000 / day and a protection period of 30 days.
One day you have an accident at work and the doctor requires you to be hospitalized for 10 days. All treatment costs are covered by office insurance, and, when you are discharged, you send proof of payment to the insurance company that covers your cash benefits.
A few days later, you get IDR 3,000,000 in cash as a cash benefit for your accident with a detailed calculation of IDR 300,000 x 10 days you were treated.