Daftar Isi
1. What is an Accident and Sickness Guard?
Accident and Sickness Guard is a joint insurance product underwritten by PT Chubb General Insurance Indonesia (“Chubb General” as Leader) and PT Chubb Life Insurance Indonesia (“Chubb Life” as Member). Chubb General together with Chubb Life hereinafter are collectively referred to as the “Insurer”.
2. What are the benefits of this product?
| Benefits | Sum Insured |
| Death due to Sickness | Loan Amount |
| Accidental Death | Loan Amount |
| Permanent Disablement | NOT COVERED |
| Temporary Disablement | NOT COVERED |
| Medical Expenses | NOT COVERED |
Benefit payable in the event of claim is equal to the Loan Amount that is the principal loan amount approved by the Policyholder to the Insured Person under the , up to a maximum of IDR 2,000,000,000.
3. What is not covered by this product?
Policy does not cover, and the Insurer will not in any event be liable to pay any claims arising directly or indirectly from, caused by, a consequence of, arising in connection with or contributed to by any of the following, including but not limited to:
- Declared or undeclared war or any act of war; civil war, Riot, Strike, Civil Commotion, invasion of foreign enemy, revolution, rebellion, insurrection, military of usurped power;
- The Insured Person engaging in duty with any armed force of any country or international authority;
- Suicide or any attempt thereat, suicide pacts or agreement while sane or insane or any intentional self inflicted injury or any attempts thereat, provoked homicide or assault;
- Any condition which is, results from or is a complication of pregnancy, childbirth, or miscarriage;
- The Insured Person engaging in aviation, other than as a passenger in boarding and alighting from any aircraft being duly licensed for the regular transportation of passengers;
- The Insured Person engaging in (or practising for or taking part in training peculiar to) in any aerial activity including parachuting and hang-gliding, aqualung diving, climbing or mountaineering necessitating the use of ropes or guides, pot-holing, skiing, tobogganing, sledding, bungee jumping and ice skating, including hockey and any other sports requiring snow or ice for play, professional sports or racing other than on foot;
- Illegal acts of an Insured Person or an Insured Person’s executors or administrators, legal heirs or personal representatives;
- The Insured Person having taken a drug, unless it is proved that the drug was taken in accordance with proper medical prescription and not for treatment of drug addiction;
- The Insured Person having more than the legally permitted level of alcohol in the blood while driving any kind of vehicle;
- Nuclear reaction, radiation or radioactive contamination;
- Any conditions arising from congenital condition;
- Human Deficiency Syndrome (‘HIV’), any variance including Acquired Immune Deficiency Syndrome (‘AIDS’), and AIDS Related Complications (‘ARC’), or any opportunistic infections and/or malignant neoplasm (tumor) found in the presence of HIV, AIDS or ARC;
- Any Communicable Disease Outbreak or any fear or threat of a Communicable Disease Outbreak, unless otherwise stated in the Policy Schedule;
- Nuclear, chemical and biological terrorism.
Sanction Exclusion
This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the Insurer from providing insurance, including, but not limited to, the payment of claims. The Insurer is a subsidiary of a United States (US) company and Chubb Limited, a New York Stock Exchange (NYSE) listed company. Consequently, the Insurer is subject to certain US laws and regulations in addition to EU, UN and Indonesia sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries, such as Cuba.
You are welcome to read the entire general exclusions and special exclusions in full as stated in the Policy.
4. What are the eligibility criteria?
To be eligible for cover under the Policy, the Insured Person must be:
a. Indonesian;
b. aged between eighteen (18) years and sixty-five (65) years at the time he/she is first to be covered under the Policy; and
c. in good condition, not suffering from Sickness and/or Bodily Injury whether realize it or not by the Insured Person and not being Confined in Hospital.
In addition to the above eligibility criteria, there is a Borrower declaration regarding the Borrower’s health condition as stated in the terms and conditions, as follows:
I declare that I am not currently ill nor am I seeking medical treatment at this time and I have not been physically incapable of performing a normal daily activity for more than five (5) consecutive days due to illness (other than pregnancy).
5. When does the coverage commence?
Coverage is valid from the date of loan disbursement as stated in the Certificate of Insurance issued to each Insured Person.
6. When does the coverage end?
Coverage will end automatically at:
- upon the Insured Person death;
- the expiry date of the Certificate of Insurance issued to each Insured Person; or
- the expiry date of the loan,
whichever occurs first.
7. What should I do in the event of claim?
You should let your family know about this insurance so that in the unfortunate event covered under the Policy, Your family can submit a claim on Your behalf to:
[email protected] or
call 24-hour hotline KoinWorks at 150588
The following information or documents must be supplied for each claim:
- Completed claim form by the Insured Person’s estate and the attending Doctor;
- Visum et repertum by the authorized Doctor, if the death is not clearly due to disease or accident;
- Police report, if needed (for Accidental Death);
- Death certificate from the hospital and local authorities;
- Valid Driver’s License (for traffic accident);
- Copy of the signed loan agreement;
- Copy of the Insured Person’s valid ID Card;
- Other related and relevant documents as requested by Chubb General and/or Chubb Life.
Click Here to download the claim form
PT Chubb General Insurance Indonesia and PT Chubb Life Insurance Indonesia are licensed and supervised by Otoritas Jasa Keuangan.
Please read the RIPLAY and Policy Wording.
