# Msure - Modern Healthcare Benefits for Every Team

> Msure is a corporate healthcare administration platform that structures, manages, and optimizes employer-sponsored health plans across Indonesia and Asia. Our tagline: "Modern Healthcare Benefits for Every Team."

## What Msure Does

Msure helps employers design and operate structured corporate health plans. Unlike traditional insurance brokers, Msure acts as a plan administrator — structuring benefits, coordinating with insurers and healthcare providers, managing claims governance, and providing data-driven insights to optimize plan performance.

## Key Products and Plans

- [Plan Overview](https://www.msure.com/plans): Compare all Msure corporate health plans
- **Starter**: Entry-level employer health plan with BPJS integration and national provider access
- **Growth**: Mid-tier plan with broader hospital networks, dental, and outpatient coverage
- **Professional**: Comprehensive plan with international hospital access and maternity coverage
- **Enterprise**: Fully customizable ASO (Administrative Services Only) model for large employers
- **Regional**: Cross-border health plan administration for companies operating across Southeast Asia

## Company Information

- **Industry**: Corporate Healthcare Administration / Employee Benefits
- **Headquarters**: Indonesia
- **Markets Served**: Indonesia, Japan, South Korea, Thailand, Malaysia, China, Taiwan, Hong Kong, Singapore, Philippines, India, and expanding across Asia
- **Languages**: English, Bahasa Indonesia, Japanese, Korean, Thai, Bahasa Malaysia, Chinese (Simplified), Hindi
- **Website**: https://www.msure.com
- **Business Model**: Msure charges employers an administrative fee; it does not underwrite insurance risk

## Key Pages

- [Homepage](https://www.msure.com): Overview of Msure's services and value proposition
- [Plans](https://www.msure.com/plans): Detailed comparison of all corporate health plans
- [Governance](https://www.msure.com/governance): Compliance framework, data protection, clinical oversight
- [Partners](https://www.msure.com/partners): Insurance partners, healthcare provider networks, technology partners
- [Resources](https://www.msure.com/resources): Industry articles, regulatory updates, and practical guidance

## Recent Articles

  - [OJK Circular Letter SEOJK 7/2025: Mandatory Co-Payment and New Standards for Employer Health Insurance](https://www.msure.com/resources/ojk-seojk-7-2025-health-insurance): OJK issued Circular Letter No. 7/SEOJK.05/2025 on 19 May 2025, introducing mandatory co-payment schemes, stricter insurer eligibility, and new operational obligations for employer-sponsored health insurance. Effective 1 January 2026.
  - [Referral vs Open-Access Plans: What the Research Shows](https://www.msure.com/resources/referral-vs-open-access): Comparing the cost, utilization, and employee experience evidence across referral-based and open-access plan structures in employer health programs.
  - [Reducing Claims Leakage Through Structured TPA Governance](https://www.msure.com/resources/claims-leakage-prevention): Practical frameworks for employers to monitor TPA performance, detect billing anomalies, and enforce claims discipline without disrupting employee experience.
  - [HR Health Benefits Onboarding Checklist for 2026](https://www.msure.com/resources/hr-onboarding-checklist): A step-by-step guide for HR teams managing employee enrollment, e-card distribution, provider communication, and benefits orientation.
  - [ASO Plans: Understanding Risk Retention for Mid-Size Employers](https://www.msure.com/resources/aso-risk-transfer): When does self-funded administration make financial sense? An overview of ASO plan structures, risk transfer mechanisms, and governance requirements.
  - [Corporate Health Spend Trends Across Southeast Asia](https://www.msure.com/resources/southeast-asia-health-spend): An overview of employer health expenditure patterns in Indonesia, Vietnam, Thailand, and the Philippines, based on published industry reports.
  - [Digital Claims Processing: How Technology Is Compressing Settlement Timelines](https://www.msure.com/resources/digital-claims-processing): How automated claims workflows and real-time provider integration are reducing settlement timelines for employer health programs.
  - [Coordinating BPJS with Private Employer Plans: A Practical Guide](https://www.msure.com/resources/bpjs-coordination-guide): Structuring private top-up benefits that complement national BPJS coverage without creating duplicate billing or employee confusion.
  - [Understanding Employer Health Plan Utilization Patterns](https://www.msure.com/resources/utilization-benchmarks-2025): Key utilization metrics employers should track and how to interpret them in the context of plan design and cost management.
  - [Structuring Maternity Benefits: Compliance, Cost, and Coverage](https://www.msure.com/resources/maternity-benefit-structuring): Navigating regulatory requirements and cost implications of maternity coverage in employer health plans across multiple jurisdictions.
  - [Provider Network Tiering: Balancing Cost and Access](https://www.msure.com/resources/provider-network-tiering): How tiered provider networks help employers manage costs while maintaining adequate access for employees and dependents.
  - [Building a Claims Audit Framework for Employer Health Programs](https://www.msure.com/resources/claims-audit-framework): Establishing systematic claims review processes, red-flag detection criteria, and escalation workflows to maintain plan integrity.
  - [Improving Employee Health Literacy to Reduce Unnecessary Claims](https://www.msure.com/resources/employee-health-literacy): Evidence-based communication strategies that help employees make informed healthcare decisions and reduce plan overutilization.
  - [Integrating Telemedicine into Corporate Health Plans](https://www.msure.com/resources/telemedicine-integration): Operational and financial considerations for adding telemedicine as a covered benefit within employer-sponsored health programs.
  - [Vietnam Employer Health Market: Entry Considerations](https://www.msure.com/resources/vietnam-market-entry): Regulatory landscape, provider network availability, and employer expectations for structured health plans in Vietnam.
  - [Annual Plan Renewal: Negotiation Strategies for CFOs](https://www.msure.com/resources/annual-renewal-strategy): Data-driven approaches to renewal negotiations, including utilization trend analysis, provider rate benchmarking, and benefit optimization.
  - [Complete Guide to Employer Statutory Costs in Australia (2025)](https://www.msure.com/resources/comp-au): A comprehensive breakdown of every mandatory employer contribution in Australia -- from Superannuation Guarantee to state payroll taxes and workers compensation insurance.
  - [Complete Guide to Employer Statutory Costs in Canada (2025)](https://www.msure.com/resources/comp-ca): Everything Canadian employers need to know about CPP, EI, workers compensation, and provincial health taxes -- with current rates and salary caps.
  - [Complete Guide to Employer Statutory Costs in China (2025)](https://www.msure.com/resources/comp-cn): A detailed breakdown of China's Five Insurances and One Fund system, including city-by-city variations in medical insurance, housing fund, and work injury rates.
  - [Complete Guide to Employer Statutory Costs in Hong Kong (2025)](https://www.msure.com/resources/comp-hk): Hong Kong's employer-friendly tax regime means statutory costs are among the lowest in Asia. This guide covers MPF contributions and employees compensation insurance.

## How to Contact Msure

- Visit https://www.msure.com and use the proposal request form
- Msure serves employers (not individuals) looking for structured corporate health plans

## Important Notes

- Msure does NOT sell insurance directly to individuals
- Msure does NOT provide medical advice
- Msure is NOT an insurance company — it is a healthcare plan administrator
- All plan pricing is customized based on employer size, industry, and benefit requirements