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Product highlights

Benefit summary

Benefit summary

Frequently asked questions

Frequently asked questions

We cover people from 30 days - 55 years old.
  • Enter age, gender, and answer questions about work;
  • Choose a product package that suits your needs
  • Complete personal data
  • Answer health questions
  • Make payments using a payment method that is convenient for you

Yes, as long as you are 18 years old and there must be an insurance interest or insurance interest relationship (insurable interest) with the Insured Party. In the case of determining insurable interest, there is a need for family relationships and / or relationships with legal interests such as husband and wife, father / mother and child.

Example:

  • A 25-year-old mother register a participation in Asuransi Bebas Handal for her child. The mother is the Participant and the Child is the Insured Party.
  • You are 30 years old can not register a particiption in Asuransi Bebas Handal for Your grandmother and/or grandpa. You can only register a participation for your spouse, father/mother, and child.
Yes, as you get older, your health risks increase and therefore your contributions will incrementally increase following each birthday. We’ll let you know when this happens.
Yes, you can register a participation in Asuransi Bebas Handal for more than 1 (one) policy provided that all Insured can only have 1 (one) Asuransi Bebas Handal Policy

Example: A father wants to register a participation into buy Asuransi Bebas Handal for his 3 (three) children. Each child (as the Insured) can only be insured under 1 (one) policy.

Asuransi Bebas Handal benefits with FWD insurance card swipes can only be done at hospital partners in the territory of the Republic of Indonesia, for the use of insurance benefits outside the territory of the Republic of Indonesia applies with a reimbursement system.

Alternatively, Asuransi Bebas Handal also provides Emergency Medical Assistance Services in the form of Repatriation with Medical Assistance and Assistance for Repatriation of Bodies or Funeral/Cremation of Bodies if they occur outside the territory of the Republic of Indonesia

In addition to conditions contained in the exclusion, there are special illness including their complications that are excluded from the 12 month Waiting Period of the policy. The following are specific illness:

  • Disorded in nose, throat, tonsil, adenoid, sinus, septum that needs surgery
  • Tuberculosis (TBC)
  • Heart and Blood vessels disease
  • Brain blood vessel disease (stroke)
  • Hypertension (Hipertensi)
  • All type of Hepatitis, Liver Cirrhosis
  • Diabetes Mellitus
  • All disease in Reproductive system
  • All kinds of Hernia (include Hernia Nucleus Pulposus
  • All kinds of lump/tumour/cyst/cancer
Unfortunately, as is standard, there can be no return of contributions in this (or any) plan, should you decide to cancel.
Plans comparison

Plans comparison

Optimum option
Plan D
Inpatient
Benefit Limit per Policy year
RP100,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP350,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged
Plan C
Inpatient
Benefit Limit per Policy year
RP100,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP250,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged
Plan B
Inpatient
Benefit Limit per Policy year
RP50,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP350,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged
Plan A
Inpatient
Benefit Limit per Policy year
RP50,000,000
Room Benefit
Maximum 150 calendar days per Policy Year
RP250,000
maximum per day
Doctor Visit
Maximum 1 visit per day
As Charged
Medicine
Maximum per policy year
As Charged
Laboratory Examination
Maximum per policy year
As Charged
Treatment Before Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Treatment After Hospitalization
30 calendar days before treatment. Maximum per policy year
As Charged
Surgical
Maximum per policy year
As Charged

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