Every question, answered plainly.

Five benefit groups on every plan: inpatient & surgery (room and board, ICU, surgery, doctor visits and related costs), major illness (dialysis, cancer outpatient care, and on higher plans transplant, HIV/AIDS and palliative care), emergency care, additional benefits (dengue/typhoid outpatient, and on higher plans medical equipment and prosthetics), and a death benefit. Exact limits per plan are in the plan comparison.

A separate, on-top annual limit that effectively doubles your cover, triggered by a diagnosis of one of three advanced-stage diseases: heart attack, invasive cancer or stroke. It runs from the diagnosis date to the next policy anniversary and applies only to the insured with the diagnosis. Once the base annual limit is used up, care for that condition or any other illness is paid from the additional limit.

Yes — on an outpatient basis, up to Rp8 million per policy year on all three plans. Cover applies to care from 5 calendar days before to 10 calendar days after lab results meet the criteria, diagnosed in writing by a doctor: for dengue, a positive NS1 or IgM test with platelets at or below 150,000/µL; for typhoid/paratyphoid, a Tubex score of 6 or more, Widal of 1/160 or more, or a positive Salmonella culture.

No — this is an inpatient-centred product, which is part of how it keeps premiums predictable. Outpatient care is covered in specific situations: emergencies (accident, incident or force majeure), dengue and typhoid, cancer outpatient care, pre- and post-hospitalisation care, and physiotherapy around a hospital stay on Extra and Premier.

Plan Standard covers rooms up to Rp700,000 per day. Extra and Premier cover the lowest-price single room with an ensuite bathroom, or a price cap of Rp1,300,000 (Extra) / Rp1,650,000 (Premier) per day — whichever is greater. On As Charged plans, choosing a higher room than your entitlement pro-rates the whole inpatient bill, with a 2-day allowance one tier up when your entitled room is full.

Yes. On the conventional plan: Rp15 million, rising to Rp30 million from age 80. On AlliSya (Sharia): Rp30 million, rising to Rp45 million from age 80. It is paid to your beneficiary on the insured’s death, subject to the policy’s exclusions.

Key exclusions include pre-existing conditions and their complications, conditions arising during waiting periods, pregnancy and childbirth, cosmetic treatment, routine check-ups and screening, vaccinations, eye refraction and glasses (except Lasik for errors above 5 dioptres), mental-health conditions, dangerous sports, and experimental treatment. Plan Standard additionally excludes HIV/AIDS, Special Diseases in year one, home care, traditional medicine, transplants, durable medical equipment, prosthetics and palliative care. This is a summary — the full exclusion list is in the Policy Terms & Conditions, and your advisor walks you through it before you sign.

Yes — 30 days from the policy start for all illnesses, on every plan. It does not apply to accidents, incidents or force majeure, which are covered immediately. Cancer, Special Diseases and HIV/AIDS have their own longer periods, below.

Cancer has a 3-month elimination period followed by a 3-month waiting period, on all plans. Cancer first arising during the elimination period is not covered at all under the policy; once both periods have passed, cancer care is covered according to your plan.

Special Diseases are 15 listed condition groups, including heart and vascular disease, kidney/urinary/gallbladder stones, cataract, benign tumours and cysts, sinus and tonsil conditions requiring surgery, diabetes, tuberculosis, thyroid disorders, hypertension and high cholesterol, chronic kidney failure, hernia and disc prolapse, blood and autoimmune disorders, haemorrhoids, reproductive-system disorders, and peptic ulcer. On Plan Standard they are excluded in year one and covered from year two. On Extra and Premier they carry a 6-month waiting period, then a Rp100 million Special-Disease deductible for the following 6 months of the first policy year; from year two, the normal deductible applies.

On Plan Standard, no — HIV/AIDS care is excluded. On Plan Extra and Premier it is covered after a 6-month waiting period, up to Rp15 million per policy year, and no deductible is charged on that benefit.

Pre-existing conditions, including their complications, are excluded. Disclose them fully and truthfully on your application: Allianz may accept the application and waive the exclusion for the disclosed condition (sometimes with a premium loading), or issue a permanent exclusion for that condition. Non-disclosure risks claims being declined later.

An annual amount of eligible costs you bear yourself each policy year, per insured, before the plan pays. Plan Standard has none; Extra and Premier offer Option 1 or Option 2 — from Rp6 million at Preferred Network hospitals up to Rp40 million at top-tier overseas hospitals on Premier Option 2. Read the full guide: the deductible, explained.

No deductible applies to outpatient services, emergencies caused by an accident or force majeure, HIV/AIDS care, or critical illness within the palliative-care benefit. For emergencies, the waiver covers the initial handling to stabilise you; once stable, continued care is subject to the deductible.

Premiums increase with your age at each renewal and can be repriced. The product is designed to make that repricing more stable and predictable — through the deductible and the Preferred Network — but premiums are not fixed or frozen.

Pay by autodebit (kept active and successful on schedule) and have no paid claims during the 12-month observation period — your next renewal premium is then discounted by 5%. The saving applies to that renewal only and cannot be cashed out or transferred.

Yes — annual, semi-annual (52% of the annual premium per payment), quarterly (27%) or monthly (10%). Paying annually is the cheapest in total. Payment channels include autodebit from a bank account or credit card, and bank and retail channels.

A grace period runs from the due date until the day before the same date in the following month. If the policy lapses, it can be reinstated within 45 days, with all outstanding obligations settled first — no claims are covered while the policy is lapsed.

Yes — there is a 14-calendar-day free-look period (Masa Peninjauan Polis) from the day you receive the policy, during which you can review the full terms and withdraw.

At network hospitals and clinics, your membership card (silver, gold or blue by plan) is your identity for cashless treatment — inpatient and outpatient. The provider verifies your cover with Allianz before treating you, so you needn’t pay up front for eligible care. Use the card only for yourself: misuse means repaying the bill plus a 10% penalty, and can end your cover.

Pay the provider, then submit your claim documents within 30 calendar days of the billing date or discharge, whichever is later — approved claims are paid within 7 working days of complete, correct documents. Treatment must be at a listed hospital or clinic. Your advisor assembles the documents with you: ID, claim form, doctor-signed medical resume, original itemised receipts, test results, prescriptions and referrals.

Coordination of benefits applies: Allianz pays the lower of (the eligible claim minus your deductible) or (the eligible claim minus what the other payer paid), up to your Benefit Table limits. For example, on a Rp150 million eligible claim where another insurer paid Rp20 million and your deductible is Rp6 million, Allianz pays Rp130 million — an illustrative example using the product’s own figures.

Costs outside the policy are yours to settle when you leave the hospital. If Allianz bills an excess afterwards, it is payable within 14 days, and benefits and cashless pause until it is settled. Your advisor flags likely excess items before treatment wherever possible.

Tell your advisor first — we work to resolve it quickly. Complaints follow OJK rules: generally within 5 working days for verbal 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 how claims work.