Health Plan
HealthBPJS and an office cap rarely cover a private-hospital serious illness in full.
Plan Your Dreams · Education first, not sales
Most people buy insurance without really understanding it, or never realize they need it until it is too late. PYD helps you see your own needs first, in a few minutes, with no pressure.
Your biggest asset is not your house or your car. It is your ability to earn, and it is usually left unprotected.

Plan Your Dreams
Pick what you want to protect. We’ll map each one to the type of cover that answers it, by category, never a specific product, and link you to size it with real numbers.
Tap to add, or drag a card into your box.
BPJS and an office cap rarely cover a private-hospital serious illness in full.
Locks in tomorrow’s fees, with a waiver rider so it keeps funding even if your income stops.
Take your box to a licensed Planning Guide in Jakarta — they turn these categories into an actual plan and product that fits your budget. Free, no pressure, walk away anytime.
Talk to a Planning Guide →How to read this. Labels are cover categories — Traditional, Unit-Linked, Term, Whole Life, Health, Critical Illness, Annuity, Pension, General — the families insurers sell, not a named product or a price. This isn’t financial advice. “Put a number on it” opens PYD’s calculators; a licensed Guide turns the result into a plan.
Choose what's on your mind
♢ Your answers stay private until you choose to share them. You decide whether to speak with a Planning Guide.
Not ready to reflect? Start with a number
Nine private calculators for Indonesia: put numbers on education, retirement, health, goals, income, family protection and home planning. No account, no pitch.

Child education planner
The cost in future rupiah
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Retirement needs analysis
The age the money runs out
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Health cover gap check
What lands on your savings
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Personal goal planner
From home to wedding to retirement
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Income protection gap
If your income stops
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Unit link vs term
Which structure wins for you
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Family protection calculator
What your family depends on
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My Home Plan
The true cost of buying and owning
Open →Library
Six plain-language explainers: what BPJS covers, unit link vs term life, expat portability, and why claims get rejected.
Personal guidance
A licensed adviser in Jakarta who works with both Indonesian families and expats. No quote in the first conversation, only questions.