Health insurance is a type of insurance product that specifically guarantee health care or treatment of the members of such insurance if they fall ill or have an accident. Broadly speaking there are two types of treatments offered by insurance companies, namely hospitalization (in-patient treatment) and ambulatory (out-patient treatment).

Health insurance products held either by social insurance companies, life insurance companies, and also a general insurance company.

In Indonesia, PT Askes Indonesia is one of the social insurance company that organizes health insurance to its members who mainly serve both civil servants and non-civil. Their children are also guaranteed until the age of 21 years. The retiree and his wife nor the husband is also guaranteed for life.

Outside of class, the government also provides health insurance program for low-income residents, now called JAMKESNAS, public health insurance, in addition to the programs financed by the state budget, a number of provincial and district / city government also has a similar program that is Jamkesda and Jamkesos like, among others, in the district Banyuasin in 2002, Jembrana since 2003 in the province since 2003 and the province of South Sumatra, there called Jamsoskes, since the beginning of January 2009 although at the beginning of March 2010 the central government examines the possibility of banning the financing of health insurance through the budget

In 2010,120,2 million from about 237 million people in Indonesia have health insurance provided either by PT Askes Indonesia, PT Jamsostek, PT Asabri or through Jamkesmas program or other insurance, such as Sinar MasAviva Indonesia.

Some insurance companies and life insurance has also marketed health insurance programs with a variety of different variants. In general, the insurance company that organizes health insurance programs in collaboration with hospital providers either directly or through an intermediary institution as assistant hospital network management.