Perlindungan Optimal Penyakit Kritis

Perlindungan Optimal Penyakit Kritis is insurance that provides benefits in the form of compensation if you experience early-stage critical illness, advanced-stage critical illness, terminal illness, and a second medical opinion.

Take the first step to protect yourself and your family with the Perlindungan Optimal Penyakit Kritis insurance, covering unexpected health risks with comprehensive benefits and affordable premiums.

INSURANCE BENEFITS

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1. Early-Stage Critical Illness
Zurich will pay a benefit in the form of the Sum Assured as specified in the Policy Summary if, based on a specialist doctor's diagnosis, you are medically confirmed to have first-time early-stage critical illness covered under the Policy. After the first claim for Early-Stage Critical Illness is made, you are still entitled to submit a claim again for the Sum Assured on a different benefit, as specified in the Policy Summary.

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2. Late-Stage Critical Illness
Zurich will pay a benefit in the form of the Sum Assured as specified in the Policy Summary if, based on a specialist doctor's diagnosis, you are medically confirmed to have first-time late-stage critical illness covered under the Policy with the following provisions:

  1. If you have already made a claim and received the Early-Stage Critical Illness benefit, the Late-Stage Critical Illness benefit paid by Zurich will be 1 (one) time the Sum Assured.
  2. If you have already made a claim and received the Early-Stage Critical Illness benefit, the Late-Stage Critical Illness benefit paid by Zurich will be 1 (one) time the Sum Assured.
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3. Terminal Illness
Zurich will pay a benefit in the form of the Sum Assured as specified in the Policy Summary if, based on a specialist doctor's diagnosis, you are diagnosed with a Terminal Illness, which is a definite diagnosis of a disease expected to cause death within a specified period, in accordance with applicable medical standards. This diagnosis must be supported by a Specialist Doctor and confirmed by a Doctor appointed by Zurich, with the following provisions:

  1. If you have already made a claim and received the Early-Stage Critical Illness benefit, the Terminal Illness benefit paid by Zurich will be 1 (one) time the Sum Assured.
  2. If you have never made a claim or received the Early-Stage Critical Illness benefit before, the Terminal Illness benefit paid by Zurich will be 2 (two) times the Sum Assured.
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4. Second Medical Opinion
If the insured is first diagnosed with a Critical Illness, whether early-stage, late-stage, or Terminal Illness, and seeks a second medical opinion from another certified medical professional regarding the diagnosis or alternative treatment options, the insurer will provide a benefit for the Second Medical Opinion in accordance with the terms and conditions specified in the Policy. The Second Medical Opinion benefit can only be claimed if the following conditions are met:

  1. The consultation must be conducted with a specialist who has the same or a higher level of expertise than the specialist who provided the initial diagnosis.
  2. The follow-up examination must be conducted with the same or a higher level of thoroughness as the initial examination conducted during the first diagnosis.

PRODUCT SPECIFICATIONS

Entry Age of the Insured
17 – 55 years old
Underwriting
Simple health declaration
Waiting Period
90 days from the policy start date or the policy reinstatement date (whichever occurs later)
Coverage Period
Valid every 2 years and automatically renews 4 times, so the maximum coverage period is 10 years or until you reach the age of 65, whichever comes first

*You do not need to reapply at the branch and can simply continue with the payment
Payment Method
Monthly and Annual
Product Terms and Conditions
  • Policy review period: 14 calendar days
  • Waiting period: 90 calendar days
  • Pre-existing conditions apply
  • Each individual can purchase only 1 policy
  • No Claim Bonus (NCB): If no claims are made within 2 years, you will receive a premium refund of 25% of the total premiums paid over the 2 years. This applies to each subsequent renewal period. If a claim has been made, you are not entitled to a premium refund, even if the policy is renewed

PREMIUM

Monthly

Age

Min Premium

Max Premium

Multiplier

Range-1x SI

Min

Max

17-50

Rp250.000

Rp2.500.000

200

Rp50.000.000

Rp500.000.000

51-55

Rp 625.000

Rp6.250.000

80

Rp50.000.000

Rp500.000.000

 

 

Annual

Age

Min Premium

Max Premium

Multiplier

Range-1x SI

Min

Max

17-50

Rp2.500.000

Rp25.000.000

20

Rp50.000.000

Rp500.000.000

51-55

Rp6.250.000

Rp62.500.000

8

Rp50.000.000

Rp500.000.000

ILLUSTRATION

1. If no claims are made

Name :Yuri
Your Age :40 Years
Premium :1 Million/Month
Sum Assured :200 Million
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2. If there is a claim during the active policy period

Name :Yuri
Your Age :40 Years
Premium :1 Million/Month
Sum Assured :200 Million
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3. If there is a claim for late-stage/terminal illness

Name :Yuri
Your Age :40 Years
Premium :1 Million/Month
Sum Assured :200 Million
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4. If the claim is for terminal illness

Name :Yuri
Your Age :40 Years
Premium :1 Million/Month
Sum Assured :200 Million
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For more information about the Perlindungan Optimal Penyakit Kritis Protection product, click here.