Question 1

1. What is life insurance?

Accepted Answer

Life insurance is a family financial protection program that provides insurance benefits for family members

Question 2

2. What does life insurance cover?

Accepted Answer

Life insurance can cover family financial risks that may occur in the future if the policy holder dies leaving behind various financial risks.

Question 3

3. Who is eligible to have FWD Asuransi Jiwa insurance?

Accepted Answer

Indonesian citizen of age 18-55 years old with valid ID (KTP)

Question 4

4. Can I buy this product for someone else?

Accepted Answer

No. The Policy Holder and the Insured should be the same person.

Question 5

5. Is there any required health check?

Accepted Answer

No, the application process only goes through two statements regarding your health:
- I declare that I am in good health and am not / have received medication/ have symptoms of heart disease, lung disease, stroke, high blood pressure, cancer/tumor, diabetes, cirrhosis, kidney disease, cirrhosis/liver disease, kidney disease, HIV/AIDS or complications related to HIV/AIDS.  
- In the last 2 (two) years, I have never had a health problem that requires repeated consultations or follow-up control with a general practitioner, specialist doctor or hospital, or requires continuous treatment or care for 14 (fourteen) days or more. I am also not planning or being advised to consult a doctor (other than for routine health checks), nor am I undergoing or waiting for a medical examination/test, follow-up control or treatment/medication, including surgery.

Question 6

6. What are the benefits of FWD Asuransi Jiwa insurance?

Accepted Answer

The benefits are:
- Death Benefit Due to Any Cause. The Insured dies due to an accident or illness that occurs within a period of no more than 180 calendar days from the occurrence of the incident, FWD Insurance will pay 100% of the Sum Assured at once.

Question 7

7. What is the limit of the Sum Assured for FWD Asuransi Jiwa insurance?

Accepted Answer

The Sum Assured limit for FWD Asuransi Jiwa insurance is IDR300 million to IDR 1 billion.

Question 8

8. Are there any exclusions for FWD Asuransi Jiwa insurance?

Accepted Answer

Protection against the risk of death applies as long as you do not commit suicide within the first year of the policy or violate the law.

Question 9

9. Can I have more than 1 FWD Asuransi Jiwa insurance policy?

Accepted Answer

Yes, but the Insured can only have active policies with the maximum Sum Assured IDR1 billion.

Question 10

10. Will the premium change with age?

Accepted Answer

Yes, the premium billed will change according to the age of the Insured. Changes in premiums billed will take effect on the policy anniversary.

Question 11

11. What does the Grace Period mean?

Accepted Answer

The Grace Period is a period in which the Policy Holder has 30 calendar days from the premium payment due date to pay off the unpaid premium. During this free period, the policy will remain valid even though the premium has not been paid in full.

Question 12

12. How is the automatic renewal process for the Insurance Period?

Accepted Answer

The extension of the Insurance Period will take place automatically as long as the premium payment occurs before the Grace Period ends. This automatic extension of the Insurance Period does not require a risk selection process again.

Question 13

13. What if this policy is no longer active (Lapse), can it be recovered?

Accepted Answer

This policy can be reinstated or reactivated a maximum of 365 calendar days from the last premium due date with the same risk conditions at the time of policy application.

Question 14

14. What are the terms of the claim?

Accepted Answer

Those who are entitled to apply for claim are the Policy Holders. If the Policy Holder is absent or died, the Beneficiary is entitled to apply for the claim. If the Policy Holder and the Beneficiary are absent or died, the legal heirs of the Beneficiary according to applicable law are entitled to submit a request for claim.

Question 15

15. What are the required documents for claim?

Accepted Answer

Claim Form, valid proof of identity, valid and authorized medical letter, and other documents required in policy and Plan Summary and Services.

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