| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | healthcare coverage | Indonesia | Comprehensive healthcare coverage is often limited to urban areas and higher-income individuals. | 1 |
| 2 | insurance coverage | Indonesia | Less commonly purchased due to reliance on family support networks | 1 |
| 3 | life insurance | Indonesia | Less common and not widely understood, often seen as a luxury for the wealthy | 1 |
| 4 | vehicle insurance | Indonesia | Basic coverage is more common; comprehensive coverage is less popular | 1 |