Who can see my family photos and stories?

Only the people you invite into that family. Every album, story, and moment is scoped to a family, and membership is controlled by the family owner.

Is FamConnect free to use?

Yes. Creating an account, building a family tree, and adding members is free. Paid add-ons cover extra storage and premium keepsakes.

Does FamConnect work on a phone without an app store install?

Yes. It is an installable web app: open it in the browser and choose Add to Home Screen to run full screen, with saved pages available offline.

How do I invite parents or grandparents who are not technical?

Send an invite link. They open it, choose a password, and land straight inside the family with no extra setup and no app download.

Can I export my family data?

Yes. Family owners can download their tree, members, albums, and stories. Deleting an account removes the data from active storage.

Hospital cost calculator

Estimate the total cost of inpatient care from room class, length of stay, and procedures, then see how much you have to pay yourself after coverage.

Estimated out-of-pocket cost

Rp 21.000.000

out of a total bill of Rp 21.000.000 for 5 inpatient days

Room (5 days): Rp 4.500.000
Procedures, drugs, and diagnostics: Rp 15.000.000
Administration and other fees: Rp 1.500.000
Total bill: Rp 21.000.000
Covered by payer: Rp 0
Out of pocket: Rp 21.000.000
Average per dayuseful for comparing hospitals: Rp 4.200.000

Your out-of-pocket cost of Rp 21.000.000 is within reach of your savings. Still confirm tariffs with the hospital, since the final bill can differ.

All calculations run on your device. No numbers are sent or stored.

Assumptions used

Room rates and procedures are your own inputs, not the official rates of one hospital. The actual bill depends on diagnosis, length of stay, and hospital policy.
Private insurance is modeled to cover 80% of costs up to the annual limit, with the rest as out-of-pocket. Actual policies have different exclusion lists and co-insurance.
BPJS Kesehatan is modeled to cover fully only in class 3 (the entitlement class for general participants). If you choose a class above your entitlement, the class difference becomes out-of-pocket at 40%.
Does not include pre- and post-hospital costs: doctor consultations, follow-ups, outpatient medicines, and family transport.

How the calculation works

1Room cost = room rate per day times length of stay.
2Total bill = room cost + procedures/medicines/support + administration.
3Guarantor portion is calculated according to the choice, capped at the limit for private insurance.
4Out-of-pocket = total bill minus guarantor portion.

Frequently asked questions

Why is hospital cost hard to estimate?

Because the bill is shaped by three things that are only certain after the patient is discharged: length of stay, type of procedures, and medicines used. This calculator helps prepare a reserve figure, not replace the hospital's official estimate.

Does BPJS really cover all costs?

BPJS covers services according to class entitlement and medical indication at the referral health facility. What often becomes out-of-pocket is upgrading class, services outside the referral, and medicines outside the formulary.

What is a reasonable health emergency fund?

At least the estimated cost of one moderate inpatient stay in your city. For families with elderly parents, prepare double because the risk of repeated hospitalization is higher.

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Calculator results are educational estimates, not an offer or financial advice.