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Benefit summary

Questions about Bebas Aksi insurance

Any Indonesian citizen between the ages of 18- 65 with valid ID (KTP). You can also renew up to 70 years old.
  • This is a personal accident insurance plan that provides cash benefits if the Insured dies due to an accident.
  • This plan is competitive and flexible, with premiums starting from IDR 50,000/month (fifty thousand Rupiah) you can get cover not only from traffic accidents or natural disasters but also from accidents due to sports competitions, music concerts, or so-called high-risk hobbies.
  • Bebas Aksi provides an accidental death benefit of up to IDR 1,000,000,000.
  • You’re also free to choose the payment method on a monthly or annual basis.
  • Not only that but you can apply, buy and claim totally online as well as get online support and servicing from our team.
Death benefit within 180 days of an accident, due to this accident, our base plan can cover you for up to IDR1,000,000,000
We offer optional additional cover as follows:

  • Extra cover if you have a disability due to an accident You can get extra coverage if you sever or lose a limb(s) or suffer irreversible loss of vision and/or hearing as a result of an accident. Note that these must have occurred within 30 days of the accident happening and your medical records should show that these outcomes should have continued for up to 180 days from the date of the accident.
  • Extra cover for reimbursement of medical expenses following an accident
    If an accident means you need medical treatment either inside or outside a hospital (within 180 days of the accident happening) this add-on will reimburse an additional 10% of the sum insured - for each incident, up to the plan’s limits (see full policy terms). This add-on covers 5 incidents per policy year.

Please note that if you’re entitled to a reimbursement of part or all of your medical expenses from any other insurers (or another source), FWD will pay the difference.

Premiums start from IDR50,000/month. The premiums vary according to:

  • The amount of coverage you want (known as the Sum Assured)
  • Your occupation (known as your occupational risk class)
  • Whether you build-in our extra add-ons (sometimes known as an insurance rider)
  • Your age and the general state of your health
  • We’ll insure you for a minimum IDR 100,000,000 and a maximum IDR 1,000,000,000
  • If you’re covered by more than one FWD policy, bought online via our website, we’ll pay the maximum sum for all policies which is IDR1,000,000,000
No, you don't need to have a medical examination.
Additional insurance benefits or modifying plan can only be made on the policy anniversary.
No, you can only purchase a Bebas Aksi insurance policy for yourself as the Policy Holder and the Insured must be the same person.
Yes, Bebas Aksi protects your various activities including watching concerts, traveling, and extreme sports. So you don't have to worry about living your passion, work, or any other kind of activity, just make sure you're protected!
There are information, data, and statements that do not match the actual conditions or conditions unless the Policy has been valid for more than 2 years from the date the Policy is effective or reinstated, whichever is the last. This provision does not apply if it can be proven (without a court decision) that the discrepancy contains elements of fraud.

Cancellation of the policy will result in the cessation of your insurance protection as well.

There is no return of premium in Bebas Aksi insurance products.

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PT FWD Insurance Indonesia ("FWD Insurance") is licensed and supervised by the Financial Services Authority. FWD Insurance is a member or Alternative Dispute Resolution Agencies of Financial Services Sector
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