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International Health Insurance
for Indonesia

Our International Healthcare plans for Indonesia were created in partnership with PT Asuransi Central Asia. 
With our international healthcare range of plans, you can choose one that best suit your needs and  budget
 
Step 1:
Choose your Core plan and pick a deductible

Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more. 

All our core plans include a selection of Global Health Services that aim to improve the quality of your life.

Step 2:
Add any of the optional plans    

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA
 

Global access to cover so you can use your cover in any country included within your area of cover. It is a good idea to select an area where  younormally travel to or are based for work purposes.

Terms and conditions and regulatory restrictions apply.

We’ve carefully crafted a selection of plans designed specifically for the region.

Swipe to view more

Maximum plan limit
US$ 5,000,000
Maximum plan limit
US$ 4,000,000
Maximum plan limit
US$ 2,500,000  
Type of room
Private Room
Private Room
Private Room
In-patient / Day-care
Medical evacuation
Organ transplant
Nursing at home
US$5,740
US$3,375
US$2,025
Rehabilitation treatment
US$5,970
US$3,375
US$2,700
Preventive Surgery
US$40,500
Laser eye treatment
US$1,350
Accidental death benefit
US$13,500
Expat Assistance Programme (EAP)
Travel Security Services
Olive Health & Wellness Support Programme
Digital Health App
US$70 
US$70 
US$70 
MyHealth Digital Services
Second Medical Opinion
Plan Deductibles

Deductible amount

 

No deductible

US$610 

US$1,015 

US$2,025 

US$4,050 

US$8,100 

US$13,500  

Discount on your annual premium when you don’t add a maternity plan

0% premium discount

5% premium discount

10% premium discount

20% premium discount 

35% premium discount

50% premium discount

60% premium discount

Discount on your annual premium when you add a maternity plan


0% premium discount

2.5% premium discount

5% premium discount

10% premium discount

17.5% premium discount

25% premium discount

30% premium discount

Out-patient
Dental
Repatriation
Maternity
Mori
Getting your policy is much easier and faster when you choose our dummy Moratorium underwriting option.  There are no medical questionnaires to complete. It’s hassle free.
Interested in more? Contact our multilingual sales team
Call on  +60 3 92127820 if you are calling from outside Indonesia
 
             

Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you.
 
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere* in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.

*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

  • For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
  • For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time. 

For further information, please contact our Sales team.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions will become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

  • You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
  • Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
  • Claims process is shorter because we already know if pre-existing conditions are covered.
  • This option is available to individuals or groups with 3 to 9 policies.

Find out more

This means that we will cover you on an emergency basis if you are on a short term visit outside your region of cover. For example, if you are on holiday in the USA, but have purchased a Worldwide Excluding USA plan -  There is cover for emergencies in the USA for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide and Table of Benefits for general terms & conditions.
In-patient cover relates to all treatment which occurs when a member is an "in-patient" (staying overnight/for a period of time) in the hospital.  Out-patient claims (such as doctor visits, buying prescription drugs) would only be covered if an out-patient plan was bought together with the in-patient one. We have a range of different levels of cover for both in-patient and out-patient treatment.
Get a quote online or if you prefer, apply offline using our PDF application form below. If you add dental cover to your policy, you will need to complete our short Dental Questionnaire together with the Application Form.

Did you know that we have a support page with all you need to know to make the most of your cover. 
Certain services that may be included in your plan are provided by third party providers, such as the Expat Assistance Programme, Travel Security services, HealthSteps app, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The HealthSteps app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps app and the wellness resources contained within Olive shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that the insurer, its reinsurers and its administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.