Prime Care Plus Insurance

Live now and leave your worries behind.

Live now and leave your worries behind.

To be a healthy individual is everyone’s dream. However, we sometimes forget that life is full of surprises. Prime Care Plus will give you protection for medical needs, whenever you need it.


Right For You If:
Right For You If:
  1. You are looking for health protection with affordable premium rate.
  2. You wish to have health insurance that protects you and gives you assurance in the case of Inpatient.
  3. You want to have your premium returned at the end of your insurance period
Detail Produk

Entry Age              : 18 – 55 years old (Adult), 5 – 17 years old (Juvenile)

Protection Coverage Period : 10 years

Insurance Benefits

  • In the case of Inpatient,
    Prime Care Plus will give you Hospital Income with Cash Benefit.
  • In the event of Death,
    Prime Care Plus will return the total premium paid*.
  • In the event of Total Permanent Disability ,
    Prime Care Plus will waive the Premium payment obligation.

If the Policy is still active until the end of the 10th Policy year and the Premiums have been paid in full, AIA will refund 100% premium (subtracted by the Death Benefit paid for Additional Insured, if any).

*inclusive of premiums paid on Additional Insured (if any), less any Death Benefit on Additional Insured paid earlier (if any) and the Policy will be terminated.



Benefits Table (Rp)

Benefits Plan 1 Plan 2 Plan 3 Plan 4
Death Benefit Total Premium Paid
Daily Cash Benefit 300.000 600.000 900.000 1.200.000
Daily Cash Benefit in ICU 600.000 1.200.000 1.800.000 2.400.000
Waiver of Premium Available
Return of Premium Available


Premium Table

Monthly Premium (Rp)

Age Plan
Plan 1 Plan 2 Plan 3 Plan 4
5 – 30 211.200 422.400 633.600 844.800
31 – 40 264.000 528.000 792.000 1.056.000
41 – 50 396.000 792.0000 1.188.000 1.584.000
51 – 55 594.000 1.188.000 1.782.000 2.376.000

  • Premium rate is unisex, fixed, based on entry age.
  • Premium type is guaranteed Premium Rates (the amount of premium will not change/increase in accordance with the increase in age until the end of insurance period).


Medical Underwriting

  • Never been diagnosed or suffered or advised for surgical procedure from cancer, stroke, heart illness/attack, diabetes, kidney disorder, hepatitis, mental abnormalities, HIV
  • In the last 2 years, customer never:
    o Attended at Hospital, Clinic, or doctor or diagnostic tests such as X-Ray, ultrasonography, blood test, CT Scan, biopsy, ECG, urine, or other health examination, other than any test due to employment process.
    o Been hospitalized for more than 7 consecutive days or received any medical treatment or advised for (other than cold, influenza, typhus & dengue), or currently undergoing any medical treatment.


Procedure of Submission


Contact CitiPhone Banking 24-Hours Service at 69999 from your mobile phone


Help & Support Contact
Contact AIA Customer Line:

  • Call : 1500980
  • Email : id.customer@aia.com

Simulation

Customer Age    : 30 Years Old

Chosen Plan        : Plan 4

Monthly Premium     : Rp844.800,-

Additional Insured    : None


Benefits Type Sum Assured
Hospital Benefit Rp1.200.000,- per day.
Death Benefit Return of Total Premium Paid upon the Insured’s Death
Return of Premium Benefit 100% of Total Premium Paid at the end of Protection Period (10 year).

Calculation:
100% x 10 tahun x 12 bulan x Rp844.800,- = Rp101.376.000,-.
Claim Procedure

Contact AIA Customer Line:

  • Call : 1500980
  • Email : id.customer@aia.com

Claim Document


Death Benefit:


  1. Original Policy (as applicable);
  2. Valid Identity Card of You, Additional Insured (if applicable), Beneficiary (if applicable) and the claim applicant;
  3. Claim form for Death Benefit which has been filled correctly and completely by You/the Beneficiary and by the Doctor;
  4. Photocopy of the Family Card;
  5. Original Death Certificate issued by a competent authority;
  6. Other documents as stipulated in the Policy

The Documents for requesting the payment of the Insurance Benefits as specified above shall be submitted no later than ninety (90) days from the day of the Death


Daily Cash Benefit or Daily Cash Benefit in ICU:

  1. Claim form which has been filled correctly and completely by You;
  2. Claim Form for Outpatient-Inpatient benefit which has been correctly and completed by the Doctor;
  3. Original receipt (or legalized copy) and billing details issued by Hospital;
  4. Valid Identity Card of You, the claim applicant and Additional Insured;
  5. Other documents as stipulated in the Policy

Waiver Of Premium:

  1. Original Policy (as applicable);
  2. Valid Identity Card of You and the claim applicant;
  3. Statement from You/the Beneficiary on the causes of Total Permanent Disability;
  4. Statement from an authorized Doctor which certifies that You have become Total Permanent Disabled; and
  5. Other documents as stipulated in the Policy

The Documents for requesting the payment of the Total Permanent Disability Benefit as specified above shall be submitted no later than 240 (two hundred forty) days from the date of occurrence of Total Permanent Disability.


Return of Premium benefit:

  1. Original Policy (as applied);
  2. Form of insurance benefit payment duly and appropriately completed;
  3. Valid Identity Card of You and the applicant.
  4. Other documents as stipulated in the Policy

The Return of Premium benefit shall be paid to an account requested by You or the account which is used for Premium payment.

Exclusions
  1. The Daily Cash Benefit, Daily Cash Benefit in ICU and/or Waiver Of Premium Benefit contained of this Policy shall not be paid due to:
    • Pre-Existing Conditions;
      • For You and/or Additional Insured aged 18-55 (eighteen to fifty five) years old at the Policy Effective Date, Pre-existing Condition is valid for 12 (twelve) months from the Effective Date of the Provision or the date of the Latest Policy reinstatement, whichever occurs later;
      • For Additional Insured aged 5-17 (five to seventeen) years old at Policy Effective Date, Pre-existing Condition is valid as long as the Provision are applied.
    • Routine health checks or check-ups that have nothing to do with the Illness;
    • Congenital Illness, disability or Abnormality since birth;
    • Sexually transmitted diseases (STDs) and/or all illnesses caused by sexual disorder.
    • Mental and/or psychiatric disorders or treatment done by a Psychiatrist;
    • Care or treatments directly or indirectly related to pregnancy, childbirth, abortion, sterilization, or attempts to gain fertility;
    • Care or treatments associated with Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex or Human Immunodeficiency Virus (HIV) infection;
    • Alternative or experimental treatments;
    • Plastic or cosmetic surgery, dental care and treatment, except for reconstruction surgery as well as dental treatment and care of natural teeth due to Illness or Injury caused by Accident, which is deemed necessary by a Doctor;
    • Medical treatments done by non-Doctor;
    • Injury suffered before the Effective Date of the Policy;
    • You and/or the Additional Insured intentionally injures your/him/herself or attempts to commit suicide or any other acts toward the similar purpose of suicide; whether or not done in a sane or insane state of mind;
    • You and/or the Additional Insured is/are under the influence of or involved in the abuse of narcotics, psychotropic drugs, alcohol, toxicants, gas or similar substances or drugs (unless the usage of such drugs or substances are recommended by a Doctor).
    • You and/or the Additional Insured deliberately doing or participating in a brawl, crime, or crime/ violation of laws, or an attempted crime/ attempted laws violation, whether actively or not.\
    • Insurance crime committed by the party who has or jointly having interest in this insurance protection;
    • You and/or the Additional Insured prepares for or participates in an agility, speed competition and so forth using a motor vehicle on land, water or air or likewise;
    • Is consequent on You and/or the Additional Insured engaging in a sport in a professional capacity or where You and/or the Additional Insured would or could earn income or remuneration from engaging in such sport or results from hazardous pursuits or hobbies engaged by You and/or the Additional Insured;
    • You and/or Additional Insured’s direct or indirect involvement in a war (whether declared or not), invasion by other countries, operations that are hostile or resemble a war (whether declared or not), terrorism, civil war, rebellion, civil commotion or riot as part of or constitutes a general resurrection, resurrection of the military, resistance, revolution, military or armed force, or martial law, involvement in military actions/ activities;
    • You and/or Additional Insured’s involvement in an aircraft flight or the like, unless You and/or the Additional Insured is as a passenger in an airline having a fixed and regular flight schedule, and having aviation business licenses;
    • Ionizing radiation or radioactive contamination from nuclear fuel or nuclear waste from nuclear fusion or nuclear weapon material;
  2. Death Benefit contained in this Policy shall not be paid if You and/or the Additional Insured dies due to :
    • Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex or Human Immunodeficiency Virus infection;
    • Insurance crimes committed by those who have or jointly having interest in this insurance coverage;
    • Intentionally attempting to injure him/herself or committing suicide or other acts towards the similar purpose of suicide in the period of 2 (two) years from the Effective Date of Policy; or
    • Intentionally doing or participating in a fight, crime/law violation, or an attempted crime/law violation, whether actively or not.

Disclaimer:

Disclaimer

  • Prime Care Plus is an insurance product issued by PT AIA FINANCIAL and PT Avrist Assurance as the Insurer. This product is NOT a bank product, NOT a saving or NOT a bank deposit, NOT an obligation and is not guaranteed by Citibank, N.A (“Citibank”), Citigroup or its affiliates. Prime Care Plus is not included as an object of deposit guaranteed program (LPS) and customer are exposed to the credit risk of PT AIA Financial and PT Avrist Assurance. The use of Citibank’s logo is a form of marketing cooperation with distribution business model between Citibank, PT. AIA FINANCIAL, and PT Avrist Assurance and does not mean that the insurance product is a product of Citibank. The participation of customers in the insurance products of PT. AIA FINANCIAL and PT Avrist Assurance is optional (customer’s choice).
  • Details of benefits, terms and conditions are attached in the Policy issued by PT. AIA FINANCIAL and PT Avrist Assurance. Citibank is not responsible for Policy issued by PT. AIA FINANCIAL and PT Avrist Assurance inside insurance product. Prospective buyer of insurance product must read and obey with the terms and conditions of Prime Care Plus as stated in the Policy. There are some conditions in which the insurance benefit cannot be paid. It is listed on the Policy Exclusions. Customers are advised to read the Policy to obtain more detailed information regarding benefit exclusion list.
  • In the event of insurance benefit claim rejection, then Citibank has no obligation to explain the respective claim rejection reason. If the Insured does not agree to the terms and conditions as specified in the Policy for any reasons whatsoever, the coverage can be cancelled within 30 (thirty) days since the Policy issue date (“Free Look Period”). In such case, the Policy shall automatically become ineffective from the Effective Date of the Policy and there is no insurance protection shall become Insurer’s obligation to the Insured.
  • Insured will be exposed to the credit risk of insurance company, which means the insurance Policy involves risks, in which there is possibility that insurance companies is not financially capable to pay the payable money as stated in Policy document. PT AIA FINANCIAL and PT Avrist Assurance have been successfully maintaining its financial performance to exceed the capital adequacy standard determined by the Government.
  • PT. AIA FINANCIAL and PT Avrist Assurance’s Insurance products offered through the marketing agreement between Citibank with PT AIA FINANCIAL and PT Avrist Assurance as the Insurer and has been reported and/or receive affirmation letter and/or approval from Indonesia Financial Services Authority (OJK) and related authority. PT AIA FINANCIAL and PT Avrist Assurance is registered and being monitored by Indonesia Financial Services Authority (OJK).
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