Disclosures & compliance
Please read this alongside any product information on this website. It explains how our information should be understood, and your protections as a policyholder in Indonesia.
01 THE POLICY WORDING GOVERNS
All information on this website is a summary for general guidance and does not form part of any insurance contract. The binding terms of any cover are always the official Policy Terms & Conditions (Syarat dan Ketentuan Polis) and your personal Benefit Table (Tabel Manfaat). Where anything here differs from those documents, the policy documents prevail.
02 PREMIUMS & REPRICING
Health insurance premiums increase with the insured’s age and may be repriced at renewal. Features such as the deductible and the Preferred Network are designed to make repricing more stable and predictable over time — they do not make premiums fixed or frozen. Deductible amounts may also be revised to reflect health-cost inflation, effective only at a policy anniversary.
03 NO GUARANTEE OF CLAIM OUTCOMES
Cover is subject to underwriting, waiting and elimination periods, exclusions, and Reasonable & Customary limits. Nothing on this website should be read as a promise that any particular claim will be paid. Your advisor will explain the conditions that apply to your cover.
04 ILLUSTRATIVE EXAMPLES
Any worked examples shown on this website — for the additional benefit limit, deductible, dengue/typhoid eligibility, or coordination of benefits — are illustrations using the product’s own figures. They are examples only and do not represent your specific cover or any guaranteed outcome.
05 SHARIA & CONVENTIONAL
We offer both conventional (Allianz Preferred Medical) and Sharia (AlliSya Preferred Medical) health cover. While the benefit structure is the same, the two differ in how they operate — for example, the Sharia version uses Tabarru’ (mutual-aid) principles and carries a higher death benefit. Your advisor will make the relevant differences clear.
06 TRANSPARENCY (RIPLAY / OJK)
In line with OJK Regulation No. 36 of 2025, prospective policyholders are shown a no-deductible plan (Plan Standard) alongside the deductible plans (Extra and Premier), so the benefit differences are clear. You will receive the required product summary (RIPLAY) so you can make an informed decision before you commit.
07 REGULATOR & DISPUTES
Allianz is supervised by the Financial Services Authority (Otoritas Jasa Keuangan, OJK). Complaints are handled in line with OJK rules — generally within 5 working days for verbal complaints and 10 working days for written complaints. Disputes that cannot be resolved directly may be referred to the OJK-recognised Alternative Dispute Resolution (LAPS) framework. See our Claims page for how we support you.
08 ABOUT THIS AGENCY
Meridian Care is an insurance advisory (Buss Allianz HQ) distributing Allianz products through the agency channel; it is not the underwriter. The Allianz products presented on this website are underwritten by PT Asuransi Allianz Life Indonesia, licensed and supervised by the Otoritas Jasa Keuangan (OJK) — Izin Usaha No. 513/KMK.071/1996, 16 August 1996.Registered office: Buss Allianz HQ, Soho Capital, Lantai 18, Jalan S. Parman Kav. 28, Tanjung Duren Selatan, Grogol Petamburan, Jakarta Barat. Email: [email protected].
09 PERSONAL DATA
Details submitted through this website are used only to respond to your enquiry and to arrange and service cover, in line with Law No. 27 of 2022 on Personal Data Protection. We do not sell your data or share it for marketing. You may ask us at any time to correct or delete the details we hold.
This page is provided for information only and is not legal or financial advice. Product facts summarised here are drawn from Allianz product materials and are subject to change. Please refer to the official policy documents and speak with your advisor before making any decision.