The Additional Annual Benefit Limit: cover that doubles when it matters most
The Additional Annual Benefit Limit is a separate, on-top annual limit — equal to your plan’s base annual limit — that activates when the insured is diagnosed with one of three advanced-stage diseases: heart attack, invasive cancer or stroke. It effectively doubles your cover on Allianz Preferred Medical and AlliSya Preferred Medical: to Rp2 billion on Plan Standard, Rp30 billion on Plan Extra and Rp40 billion on Plan Premier, available from the diagnosis date until the next policy anniversary.
When it activates
The additional limit activates on a diagnosis of one of three advanced-stage diseases (Penyakit Tahap Lanjut): heart attack, invasive cancer or stroke. It is granted per policy year on diagnosis and stays active from the diagnosis date through to the next policy anniversary.
It applies only to the insured who has the advanced-stage disease — on a family policy, other insureds without the diagnosis keep their normal annual limit.
What it pays for
Once the base annual limit is fully used, care related either to the advanced-stage disease or to any other illness or injury is paid from the additional limit. It is not restricted to the diagnosed condition — a distinction that matters, because serious illness rarely arrives alone.
Illustrative example from the product materials — not a real claim, and no outcome is guaranteed. Your Benefit Table governs.
Questions about the additional limit
Which conditions trigger it?
Three advanced-stage diseases: heart attack, invasive cancer and stroke, diagnosed during the coverage period. The policy’s definitions of each condition govern — your advisor will walk you through them.
Does it apply to everyone on a family policy?
No — it applies only to the insured who has the advanced-stage diagnosis. Other insureds on the same policy keep their normal annual limit unless they receive a qualifying diagnosis themselves.
How long does it stay active?
From the diagnosis date until the next policy anniversary. It is granted per policy year on diagnosis of an advanced-stage disease.
Cover that holds up when costs spike
An advisor can show you what each plan’s limits mean for your family — in confidence, with no obligation.