With 100,000 unique customers in 182 different countries, Allianz Insurance are the experts in delivering international medical insurance to expats worldwide.
of our International Healthcare Policies
Allianz presents Hospital & Surgical Care Premier Plus, additional Individual Health Insurance that provides a variety of plus benefits for you and the whole family.
| BENEFIT | DESCRIPTION | BASIC | BASIC PLUS | CLASSIC | CLASSIC PLUS |
|---|---|---|---|---|---|
| Area of Coverage | Indonesia | Indonesia | Indonesia | Indonesia | |
| Prorated Factor for Payment of Inpatient Care Benefits outside the coverage area | Indonesia | 100% covered | 100% covered | 100% covered | 100% covered |
| Asia excluding Singapore. Hong Kong. Japan. | 60% covered | 60% covered | 60% covered | 60% covered | |
| Singapore, Hong Kong, Japan | 20% covered | 20% covered | 20% covered | 20% covered | |
| Worldwide excluding USA, Asia | NIA | NIA | NIA | NIA | |
| USA | NIA | NIA | NIA | NIA | |
| Hospitalization & Surgery Benefits | |||||
| Rooms and Accommodation | No maximum day limit | NIA | 2 bedded with attached bathroom or R&B that doesn't exceed | 2 bedded with attached bathroom or R&B that doesn't exceed | 1 bedded with attached bathroom or R&B that doesn't exceed |
| Room Rate Limit | 500 | 700 | 700 | 1.300 | |
| ICU/ NICU/ PICU/ HDU/ Intermediary Ward/ Isolation Room | As Charged | As Charged | As Charged | As Charged | |
| Surgery, including Daily Surgical Care | As Charged | As Charged | As Charged | As Charged | |
| Prostheses and Implants | As Charged | As Charged | As Charged | As Charged | |
| Doctor's Visit | 30.000 | 40.000 | As Charged | As Charged | |
| Miscellaneous Expense | 30.000 | 40.000 | As Charged | As Charged | |
| Pre-Hospitalization Expenses* | Per policy year; Max. 60 days before hospitalization |
30.000 | 40.000 | As Charged | As Charged |
| Post-Hospitalization Expenses* | Per policy year; Max. 90 days after hospitalization |
30.000 | 40.000 | As Charged | As Charged |
| Outpatient Physiotherapy Treatment* | Per policy year; Max. 60 days before hospitalization Max. 90 days after hospitalization |
30.000 | 40.000 | As Charged | As Charged |
| Alternative Inpatient Care* | Per policy year; | N/A | N/A | 100.000 | 100.000 |
| Rehabilitation* | Per policy year; Max. 90 days after hospitalization |
N/A | N/A | 15.000 | 15.000 |
| Traditional Chinese Medicine | Per policy year; Max. 90 days after hospitalization |
N/A | N/A | Overall 15,000 per year; 1 ,000 per hospitalization for medication. | Overall 15,000 per year; 1 ,000 per hospitalization for medication. |
| Outpatient Psychiatric Consultation* | Per policy year; Max. 90 days after hospitalization |
N/A | N/A | 15.000 | 15.000 |
| Companion Benefit | Per day | 250 | 350 | 350 | 650 |
| Alternative Daily Cash* | Per day; max. 90 days per policy year | 250 | 350 | 350 | 650 |
| Local Ambulance | As Charged | As Charged | As Charged | As Charged | |
| High Profile Critical illness Benefits | |||||
| Dialysis Treatment | As Charged | As Charged | As Charged | As Charged | |
| Organ Transplant Cost | As Charged | As Charged | As Charged | As Charged | |
| Donor Expenses For Organ Transplant* | As Charged | As Charged | As Charged | As Charged | |
| Cancer Treatment, including: Cancer remission examination & laboratory tests | Max. 5 yearsfrom last treatment | As Charged, max 80% of the billing cost | As Charged, max 80% of the billing cost | As Charged | As Charged |
| HIV/AIDS Treatment | Per year | N/A | N/A | 15.000 | 15.000 |
| Palliative Care | Per year policy | N/A | N/A | 250.000 | 250.000 |
| Emergency Treatment Benefits | |||||
| Emergency & Accidental IP treatment outside coverage area | As Charged | As Charged | As Charged | As Charged | |
| Emergency & Accidental OP treatment including Dental, inside and outside coverage area | As Charged | As Charged | As Charged | As Charged | |
| Continued outpatient treatment for accidental injury* | Undergoing outpatient treatment within 30 days from the time of accident or other emergency conditions. | As Charged | As Charged | As Charged | As Charged |
| Local Ambulance | As Charged | As Charged | As Charged | As Charged | |
| Additional Special Benefits | |||||
| Durable medical equipment | Per Year Policy; Max 90 days post-hospitalization/surgery | N/A | N/A | 15.000 | 15.000 |
| External artificial body part | Per Year Policy; during hospitalization, max 90 days after hospitalization/surgery | N/A | N/A | 250.000 | 250.000 |
| Funeral Expense* | 25.000 | 25.000 | 25.000 | 25.000 | |
| Service | |||||
| Expert Medical Opinion | Available | Available | Available | Available | |
| Medical Assisstance | Available | Available | Available | Available | |
| Annual Benefit Limit | 1 .000.000 | 2.500.000 | 5.000.000 | 5.000.000 | |
| *Claims for Insurance Benefits can only be made on a reimbursement |
| BENEFIT | DESCRIPTION | ESSENTIAL | ESSENTIAL PLUS |
|---|---|---|---|
| Area of Coverage | Asia, Excluding HKG, SC, JPN | Asia, Excluding HKG, SC, JPN | |
| Prorated Factor for Payment of Inpatient Care Benefits outside the coverage area | Indonesia | 100% covered | 100% covered |
| Asia excluding Singapore, Hong Kong, Japan. | 100% covered | 100% covered | |
| Singapore, Hong Kong, Japan | 30% covered | 30% covered | |
| Worldwide excluding USA, Asia | 20% covered | 20% covered | |
| USA | N/A | N/A | |
| Hospitalization & Surgery Benefits | |||
| Rooms and Accommodation | No maximum day limit | 2 bedded with attached bathroom or R&B that doesn't exceed | 1 bedded with attached bathroom or R&B that doesn't exceed |
| Room Rate Limit | 700 | 1.300 | |
| ICU/ NICU/ PICU/ HDU/ Intermediary Ward/ Isolation Room | As Charged | As Charged | |
| Surgery, including Daily Surgical Care | As Charged | As Charged | |
| Prostheses and Implants | As Charged | As Charged | |
| Doctor's Visit | As Charged | As Charged | |
| Miscellaneous Expense | As Charged | As Charged | |
| Pre-Hospitalization Expenses* | Per policy year; Max. 60 days before hospitalization |
As Charged | As Charged |
| Post-Hospitalization Expenses* | Per policy year; Max. 90 days after hospitalization |
As Charged | As Charged |
| Outpatient Physiotherapy Treatment* | Per policy year; Max. 60 days before hospitalization Max. 90 days after hospitalization |
As Charged | As Charged |
| Alternative Inpatient Care* | Per policy year; | 200.000 | 200.000 |
| Rehabilitation* | Per policy year; Max. 90 days after hospitalization |
15.000 | 15.000 |
| Traditional Chinese Medicine | Per policy year; Max. 90 days after hospitalization |
Overall 15,000 per year; 1 ,000 per hospitalization for medication. |
Overall 15,000 per year; 1 ,000 per hospitalization for medication. |
| Outpatient Psychiatric Consultation* | Per policy year; Max. 90 days after hospitalization |
15.000 | 15.000 |
| Companion Benefit | Per day | 350 | 350 |
| Alternative Daily Cash* | Per day; max. 90 days per policy year | 350 | 350 |
| Local Ambulance | As Charged | As Charged | |
| High Profile Critical illness Benefits | |||
| Dialysis Treatment | As Charged | As Charged | |
| Organ Transplant Cost | As Charged | As Charged | |
| Donor Expenses For Organ Transplant* | As Charged | As Charged | |
| Cancer Treatment, including: Cancer remission examination &laboratory tests | Max. 5 yearsfrom last treatment | As Charged | As Charged |
| HIV/AIDS Treatment | Per year | 15.000 | 15.000 |
| Palliative Care | Per year policy | 250.000 | 250.000 |
| Emergency Treatment Benefits | |||
| Emergency & Accidental IP treatment outside coverage area | As Charged | As Charged | |
| Emergency & Accidental OP treatment including Dental, inside and outside coverage area | As Charged | As Charged | |
| Continued outpatienttreatment for accidental injury* | Undergoing outpatient treatment within 30 daysfrom the time of accident or other emergency conditions. | As Charged | As Charged |
| Local Ambulance | As Charged | As Charged | |
| Additional Special Benefits | |||
| Durable medical equipment | Per Year Policy; Max 90 days post-hospitalization/surgery |
15.000 | 15.000 |
| External artificial body part | Per Year Policy; during hospitalization, max 90 days after hospitalization/surgery | 250.000 | 250.000 |
| Funeral Expense* | 25 000 | 25 000 | |
| Service | |||
| Expert Medical Opinion | Available | Available | |
| Medical Assisstance | Available | Available | |
| Annual Benefit Limit | 7.000.000 | 7.000.000 | |
| *Claims for Insurance Benefits can only be made on a reimbursement |
| BENEFIT | DESCRIPTION | ELITE | ELITE PLUS |
|---|---|---|---|
| Coverage Area | Asia | Asia | |
| Prorated Factor for Payment of Inpatient Care Benefits outside the coverage area | Indonesia | 100% covered | 100% covered |
| Asia excluding Singapore, Hong Kong, Japan. | 100% covered | 100% covered | |
| Singapore, Hong Kong, Japan | 100% covered | 100% covered | |
| Worldwide excluding USA, Asia | 60% covered | 60% covered | |
| USA | 30% covered | 30% covered | |
| Hospitalization & Surgery Benefits | |||
| Rooms and Accommodation | No maximum day limit | 2 bedded with attached bathroom or R&B that doesn't exceed | 1 bedded with attached bathroom or R&B that doesn't exceed |
| Room Rate Limit | 1.100 | 1.650 | |
| ICU/ NICU/ PICU/ HDU/ Intermediary Ward/ Isolation Room | As Charged | As Charged | |
| Surgery, including Daily Surgical Care | As Charged | As Charged | |
| Prostheses and Implants | As Charged | As Charged | |
| Doctor's Visit | As Charged | As Charged | |
| Miscellaneous Expense | As Charged | As Charged | |
| Pre-Hospitalization Expenses* | Per policy year; Max. 60 days before hospitalization |
As Charged | As Charged |
| Post-Hospitalization Expenses* | Per policy year; Max. 90 days after hospitalization |
As Charged | As Charged |
| Outpatient Physiotherapy Treatment* | Per policy year; Max. 60 days before hospitalization Max. 90 days after hospitalization |
As Charged | As Charged |
| Alternative Inpatient Care* | Per policy year; | 300.000 | 300.000 |
| Rehabilitation* | Per policy year; Max. 90 days after hospitalization |
25.000 | 25.000 |
| Traditional Chinese Medicine | Per policy year; Max. 90 days after hospitalization |
Overall 25,000 per year; 1 ,000 per hospitalization for medication. |
Overall 25,000 per year; 1 ,000 per hospitalization for medication. |
| Outpatient Psychiatric Consultation* | Per policy year; Max. 90 days after hospitalization |
25.000 | 25.000 |
| Companion Benefit | Per day | 550 | 850 |
| Alternative Daily Cash* | Per day; max. 90 days per policy year | 550 | 850 |
| Local Ambulance | As Charged | As Charged | |
| High Profile Critical illness Benefits | |||
| Dialysis Treatment | As Charged | As Charged | |
| Organ Transplant Cost | As Charged | As Charged | |
| Donor Expenses For Organ Transplant* | As Charged | As Charged | |
| Cancer Treatment, including: Cancer remission examination & laboratory tests | Max. 5 years from last treatment | As Charged | As Charged |
| HIV/AIDS Treatment | Per year | 15.000 | 15.000 |
| Palliative Care | Per year policy | 250.000 | 250.000 |
| Emergency Treatment Benefits | |||
| Emergency & Accidental IP treatment outside coverage area | As Charged | As Charged | |
| Emergency & Accidental OP treatment including Dental, inside and outside coverage area | As Charged | As Charged | |
| Continued outpatienttreatment for accidental injury* | Undergoing outpatient treatment within 30 days from the time of accident or other emergency conditions. | As Charged | As Charged |
| Local Ambulance | As Charged | As Charged | |
| Additional Special Benefits | |||
| Durable medical equipment | Per Year Policy; Max 90 days post-hospitalization/surgery |
15.000 | 15.000 |
| External artificial body part | Per Year Policy; during hospitalization, max 90 days after hospitalization/surgery | 250.000 | 250.000 |
| Funeral Expense* | 25 000 | 25 000 | |
| Service | |||
| Expert Medical Opinion | Available | Available | |
| Medical Assisstance | Available | Available | |
| Annual Benefit Limit | 10.000.000 | 10.000.000 | |
| *Claims for Insurance Benefits can only be made on a reimbursement |
| BENEFIT | DESCRIPTION | PRIME |
|---|---|---|
| Coverage Area | Worldwide Excluding USA | |
| Prorated Factor for Payment of Inpatient Care Benefits outside the coverage area | Indonesia | 100% covered |
| Asia excluding Singapore, Hong Kong, Japan. | 100% covered | |
| Singapore, Hong Kong, Japan | 100% covered | |
| Worldwide excluding USA, Asia | 100% covered | |
| USA | 60% covered | |
| Hospitalization & Surgery Benefits | ||
| Rooms and Accommodation | No maximum day limit | Which is bigger between Room 1 level above lowest room with 1 bed and bathroom inside with Room Rate Limit |
| Room Rate Limit | 3.000 | |
| ICU/ NICU/ PICU/ HDU/ Intermediary Ward/ Isolation Room | As Charged | |
| Surgery, including Daily Surgical Care | As Charged | |
| Prostheses and Implants | As Charged | |
| Doctor's Visit | As Charged | |
| Miscellaneous Expense | As Charged | |
| Pre-Hospitalization Expenses* | Per policy year; Max. 60 days before hospitalization |
As Charged |
| Post-Hospitalization Expenses* | Per policy year; Max. 90 days after hospitalization |
As Charged |
| Outpatient Physiotherapy Treatment* | Per policy year; Max. 60 days before hospitalization Max. 90 days after hospitalization |
As Charged |
| Alternative Inpatient Care* | Per policy year; | 500.000 |
| Rehabilitation* | Per policy year; Max. 90 days after hospitalization |
25.000 |
| Traditional Chinese Medicine | Per policy year; Max. 90 days after hospitalization |
Overall 25,000 per year; 1 ,000 per hospitalization for medication. |
| Outpatient Psychiatric Consultation* | Per policy year; Max. 90 days after hospitalization |
25.000 |
| Companion Benefit | Per day | 1.500 |
| Alternative Daily Cash* | Per day; max. 90 days per policy year | 1.500 |
| Local Ambulance | As Charged | |
| High Profile Critical illness Benefits | ||
| Dialysis Treatment | As Charged | |
| Organ Transplant Cost | As Charged | |
| Donor Expenses For Organ Transplant* | As Charged | |
| Cancer Treatment, including: Cancer remission examination & laboratory tests | Max. 5 years from last treatment | As Charged |
| HIV/AIDS Treatment | Per year | 15.000 |
| Palliative Care | Per year policy | 250.000 |
| Emergency Treatment Benefits | ||
| Emergency& Accidental IP treatment outside coverage area | As Charged | |
| Emergency & Accidental OP treatment including Dental, inside and outside coverage area | As Charged | |
| Continued outpatient treatment for accidental injury* | Undergoing outpatient treatment within 30 days from the time of accident or other emergency conditions. | As Charged |
| Local Ambulance | As Charged | |
| Additional Special Benefits | ||
| Durable medical equipment | Per Year Policy; Max 90 days post-hospitalization/surgery |
15.000 |
| External artificial body part | Per Year Policy; during hospitalization, max 90 days after hospitalization/surgery | 250.000 |
| Funeral Expense* | 25 000 | |
| Service | ||
| Expert Medical Opinion | Available | |
| Medical Assisstance | Available | |
| Annual Benefit Limit | 20.000.000 | |
| *Claims for Insurance Benefits can only be made on a reimbursement |
| BENEFIT | DESCRIPTION | SIGNATURE |
|---|---|---|
| Coverage Area | WORLDWIDE | |
| Prorated Factor for Payment of Inpatient Care Benefits outside the coverage area | Indonesia | 100% covered |
| Asia excluding Singapore, Hong Kong, Japan. | 100% covered | |
| Singapore, Hong Kong, Japan | 100% covered | |
| Worldwide excluding USA, Asia | 100% covered | |
| USA | 100% covered | |
| Hospitalization & Surgery Benefits | ||
| Rooms and Accommodation | No maximum day limit | Which is bigger between Room 1 level above The lowest room with 1 bed and bathroom inside with the Room Price Limit |
| Room Rate Limit | 8.000 | |
| ICU/ NICU/ PICU/ HDU/ Intermediary Ward/ Isolation Room | As Charged | |
| Surgery, including Daily Surgical Care | As Charged | |
| Prostheses and Implants | As Charged | |
| Doctor's Visit | As Charged | |
| Miscellaneous Expense | As Charged | |
| Pre-Hospitalization Expenses* | Per policy year; Max. 60 days before hospitalization |
As Charged |
| Post-Hospitalization Expenses* | Per policy year; Max. 90 days after hospitalization |
As Charged |
| Outpatient Physiotherapy Treatment* | Per policy year; Max. 60 days before hospitalization Max. 90 days after hospitalization |
As Charged |
| Alternative Inpatient Care* | Per policy year; | 500.000 |
| Rehabilitation* | Per policy year; Max. 90 days after hospitalization |
50.000 |
| Traditional Chinese Medicine | Per policy year; Max. 90 days after hospitalization |
Overall 50,000 per year; 1 ,000 per hospitalization for medication. |
| Outpatient Psychiatric Consultation* | Per policy year; Max. 90 days after hospitalization |
50.000 |
| Companion Benefit | Per day | 4.000 |
| Alternative Daily Cash* | Per day; max. 90 days per policy year | 4.000 |
| Local Ambulance | As Charged | |
| High Profile Critical illness Benefits | ||
| Dialysis Treatment | As Charged | |
| Organ Transplant Cost | As Charged | |
| Donor Expenses For Organ Transplant* | As Charged | |
| Cancer Treatment, including: Cancer remission examination & laboratory tests | Max. 5 years from last treatment | As Charged |
| HIV/AIDS Treatment | Per year | 15.000 |
| Palliative Care | Per year policy | 250.000 |
| Emergency Treatment Benefits | ||
| Emergency & Accidental IP treatment outside coverage area | As Charged | |
| Emergency & Accidental OP treatment including Dental, inside and outside coverage area | As Charged | |
| Continued outpatient treatment for accidental injury* | Undergoing outpatient treatment within 30 days from the time of accident or other emergency conditions. | As Charged |
| Local Ambulance | As Charged | |
| Additional Special Benefits | ||
| Durable medical equipment | Per Year Policy; Max 90 days post-hospitalization/surgery |
15.000 |
| External artificial body part | Per Year Policy; during hospitalization, max 90 days after hospitalization/surgery | 250.000 |
| Funeral Expense* | 25 000 | |
| Service | ||
| Expert Medical Opinion | Available | |
| Medical Assisstance | Available | |
| Annual Benefit Limit | 25.000.000 | |
| *Claims for Insurance Benefits can only be made on a reimbursement |
Plan options, Coverage Area & Treatment Room that can be selected according to your needs.
Complete your protection with a comprehensive range of optional benefits.
A wide range of practical services to help meet your needs.
Area of coverage:
Indonesia | Asia | Worldwide
Various Treatment Room Options:
Indonesia
Rp500.000
Indonesia
| Rp700.000
Indonesia
| Rp700.000
Indonesia
| Rp1.300.000
Asia, Exclude HKG, SG, JPN
| Rp700.000
Asia, Exclude HKG, SG, JPN
| Rp1.300.000
Asia
| Rp1.100.000
Asia
| Rp1.650.000
Worldwide Excluding USA
| Rp3.000.000
Worldwide
| Rp8.000.000
: Amount of beds in one treatment room
: For Plan Prime and Signature, you can occupy a room 1 level above the lowest single bed room
HKG, SG, JPN : Hong Kong, Singapore, Japan.
USA : United State of America.
| Product type | Additional health insurance (rider) |
| The insured's entry age (nearest birthday) |
|
| Coverage age (nearest birthday) |
|
| Currency | Idr |
| Premium payment method | Follow the basic policy (monthly, quarterly, semi-annually, yearly) |
| Premium paying period | Until the end of coverage |
| Underwritting | Full underwriting, follow the basic policy |
| Waiting periode |
|
| Grace periode | 90 days |
| Minimum sum insured base policy |
|
Prospective policyholders age 1 month - 70 years
The currency used for insurance policy payments is Rupiah (IDR)
Full Underwriting from the insurance company Allianz follows the Basic Policy
The details of the waiting period for Policyholders are as follows:
