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Administration & Rights

Payment & Insurance

Accepted payment methods, how to use insurance or a corporate guarantee, and payment information for international patients at Heartology Cardiovascular Hospital.

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Guide contents

Accepted Payment Methods

  • Credit and debit cards

    Visa, Mastercard, and PGN. JCB and UnionPay for international patients

  • Bank transfer

    To Heartology's official accounts, including BCA, Bank Mandiri, and Bank CIMB. For other banks, please confirm with customer service

  • Cash

    Directly at the Heartology cashier, 2nd Floor. The cashier issues an official receipt as proof of payment

Using Insurance or a Corporate Guarantee

Heartology works with national private insurers and partner companies. Check the following before your treatment.

  • Confirm your policy coverage before treatment

    Through your insurer's customer service or the Heartology verification team

  • For corporate insurance, ask your HR department about your policy coverage

    Partner companies receive direct billing, with no cash payment needed

  • Be prepared for possible additional costs

    Some special procedures may require a top-up payment, which will be communicated before the procedure

  • If your insurer does not work with us directly

    We provide complete documents for you to file a reimbursement claim yourself

Payment for International Patients

Accepted currencies

  • Indonesian rupiah (IDR): rates follow the bank's daily exchange rate.
  • US dollars (USD): for international transfers, converted at the exchange rate on the day of payment.
  • Multi-currency credit cards (Visa, Mastercard, Amex): converted automatically by the issuing bank.

International bank transfers

Transfers can be made to Heartology's accounts at BCA, Bank Mandiri, or Bank CIMB. Prepare the following supporting documents:

  • A scan of your passport
  • A copy of the Medical Estimate from the Heartology team
  • Proof of transfer, for quick verification

Corporate or insurance guarantee (Corporate Guarantee)

  1. The guarantor sends a Letter of Guarantee (LoG) to finance@heartology.id.
  2. Our team verifies it within 24 hours.
  3. The patient pays only additional costs, if any, at checkout.

Cash or card on site

  • US dollars and euros are accepted, with exchange rates following the hospital's standard.
  • International credit cards are subject to a 2.5% fee, except American Express at 3.5%.

Cost estimates and deposits

  • An initial payment of 50% of the estimate, for elective procedures.
  • To check your estimate, email international@heartology.id or consult us via WhatsApp.

Services for international patients

  • A dedicated International Patient Coordinator
  • Priority Billing Service, with bilingual invoices
  • Medical Visa Support Letter, for treatment lasting more than 30 days

Insurance Claims for International Patients

Applies if your insurer works directly with Heartology.

  1. Show Your Insurance Card and Passport

  2. The Heartology Team Handles Pre-Authorization

    Our team arranges the initial approval from your insurer.

  3. The Bill Is Sent Directly to Your Insurer

Self-Filed Reimbursement Claims

Applies if you pay first and then file a claim with your insurer yourself.

  1. Request a Complete Invoice and Medical Check-Up Results

  2. Attach Proof of Payment

  3. Submit the Claim to Your Insurer

    Follow your insurer's claim procedure.

Download Information

Payment Department Contacts

The payment team helps with billing, payment, and insurance matters.

  • Billing and Payment Customer Service: through the hospital phone line, Monday to Friday from 08.00 to 17.00 WIB and Saturday from 08.00 to 14.00 WIB; closed on Sundays and public holidays. Email billing@heartology.id, with replies within 24 hours on working days.
  • WhatsApp: for payment confirmation, invoice requests, insurance claim assistance, and installment consultations. Replies within 1 to 3 hours, from 07.00 to 21.00 WIB every day.
  • Payment counter: 2nd Floor, open every day from 07.00 to 20.00 WIB.
  • Payment deferral or relief: email financialaid@heartology.id or call the hospital.
  • Insurance claims and reimbursement: email insurance@heartology.id or call the hospital.
  • Urgent payment issues outside operating hours, such as a sudden cancellation before surgery: 24-hour hotline through the hospital phone line.
  • Virtual meetings via Zoom with the billing team can be requested by email.
  • Representative visits are available for corporate or insurance patients who need special coordination.

Have These Ready When You Contact Us

This information helps our team respond faster.

  • Medical record number

    If available

  • Full name and date of birth

  • Proof of payment or invoice

    For payment confirmation

Address
Jl. Birah III No. 4, Kebayoran Baru, Jakarta Selatan, DKI Jakarta, 12180

Next steps

Want to Confirm Your Insurance Coverage Before Treatment?

Our team helps you check your policy coverage and guarantee of payment.

Ask About Coverage (opens in a new tab)Book an Appointment

Guides You May Need

Admission ProcessRequesting Medical RecordsFrequently Asked Questions
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