Jump to section:
Product highlights
Product highlights

Product highlights

Benefit summary

Benefit summary

Frequently asked questions

Frequently asked questions

Indonesian citizen of age 18-55 years old with valid ID (KTP)
No. The Policy Holder and the Insured should be the same person.

No, the application process only goes through two statements regarding your health:

  • I am in good health and am not currently suffering from/ever receiving treatment/getting symptoms of heart disease, lung disease, stroke, high blood pressure, cancer/tumour, diabetes, cirrhosis, kidney disease, HIV/AIDS or complications related to HIV/AIDS. In the last 1 year, I have never been hospitalised and/or diagnosed with abnormal results and/or told I have a risk for these diseases in the future.
  • I never had any history of rejected applications or insurance policies, being suspended, receiving extra premium, being accepted under special condition, or being cancelled due to misrepresentation or withholding of information

The benefits are:

  • Accidental Death Benefit. This benefit is obtained if in the first 2 years of the Insurance Period the Insured dies due to an accident that occurs within a period of not more than 180 calendar days since the accident, FWD Insurance will pay 100% of the Sum Assured at once.
  • Death Benefit Due to Disease or Accident. This benefit is obtained if after the first 2 years of the Insurance Period 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.
The Sum Assured limit for Bebas Rencana insurance is IDR100 million to IDR 1 billion.
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.
Yes, but the Insured can only have active policies with the maximum Sum Assured IDR1 billion.
Yes, the premium billed will change according to the age of the Insured. Changes in premiums billed will take effect on the policy anniversary.
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.
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.
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.
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.
Claim Form, valid proof of identity, valid and authorized medical letter, and other documents required in policy and Plan Summary and Services.

Got a question?

Got a question?

We are here to help
Chat with us on WhatsApp
Get your answer right away
Call us on 1300 13 7988
9:00am-6:00pm (Mon-Fri)
Leave a message
We will get back to you shortly