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
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.
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:
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:
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:
PRODUCT SPECIFICATIONS
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 |
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 |
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 |
4. If the claim is for terminal illness
• | Name | :Yuri |
• | Your Age | :40 Years |
• | Premium | :1 Million/Month |
• | Sum Assured | :200 Million |
For more information about the Perlindungan Optimal Penyakit Kritis Protection product, click here.