Key Features

of our International Healthcare Policies

Fully cover

Cashless claims

Up to 99 years cover

Private room facility

Cover organ transplant & critical illness treatment

ABOUT THE PLANS

Hospital & Surgical Care Premier X

Hospital & Surgical Care Premier X is an individual health insurance that provides protection for health costs that continue to increase from year to year. This is a Health Insurance product from a trusted insurance company that provides eXtra options, eXtra protection and eXtra services for you and your loved ones.

Benefit Table :


Indonesia

PLAN BASICBASIC XCLASSIC
Area of CoverageIndonesiaIndonesiaIndonesia
Bed Type- 2 bedded with attached bathroom or R&B that doesn't exceed1 bedded with attached bathroom or R&B that doesn't exceed
R&B Benchmark5006001,200
Inpatient BenefitsDescription
Daily Hospital Room and BoardNo days limitation500As ChargedAs Charged
Intensive Care Unit (ICU)No days limitation1000As ChargedAs Charged
(include NICU/PICU/HDU/Intermediary Ward/Isolation Room)No days limitation1000As ChargedAs Charged
General Practitioner VisitTwo GP visit per day Per day benefit limit
200400As Charged
Specialist VisitTwo Spec visit per day , per type of specialist Per day benefit limit200600As Charged
Surgery FeeAs ChargedAs ChargedAs Charged
Prosthesis and ImplantAs ChargedAs ChargedAs Charged
Miscellaneous ExpensePer hospitalization period5,0009,000As Charged
Local AmbulanceAs ChargedAs ChargedAs Charged
Companion benefitMax 180 days per policy year. Per day benefit limit150150150
Alternative Daily CashMax 60 days per policy year. Per day benefit limit150150150
Outpatient Benefits
Pre-Hospitalization ExpensesMax 60 days prior to hospital admission. Per hospitalisation period1,0002,000As Charged
Post-Hospitalization ExpensesMax 90 days post hospital discharge. Per hospitalisation period1,0002,000As Charged
Outpatient Physiotherapy Treatment30 pre/ 90 days post hospitalization, max 90 days per yearNot AvailableNot AvailableAs Charged
Day SurgeryAs ChargedAs ChargedAs Charged
Home NursingMax 180 days per lifeNot AvailableNot AvailableAs Charged
High Profile Critical Illness Benefits
Cancer Treatment & OP diagnosis expensesAs ChargedAs ChargedAs Charged
Dialysis TreatmentAs ChargedAs ChargedAs Charged
Organ Transplant costAs ChargedAs ChargedAs Charged
Donor expenses for organ transplantAs ChargedAs ChargedAs Charged
Stroke Rehabilitation (physiotherapy , speech and occupational therapy)Max 180 days post hospitalization, limited to one (1) visit to any therapist per day.Not AvailableNot Available300
Catastrophic CI incomeBenefit per lifeNot AvailableNot AvailableNot Available
Additional Special Benefits
Traditional chinese medicine90 days post hospitalization, max 90 days per year; Max per policy yearNot AvailableNot AvailableOverall 15,000 per year ; 1,000 per hospitalization for
Durable medical equipmentMax per LifeNot AvailableNot Available50,000
External artificial body partMax per LifeNot AvailableNot Available500,000
HIV treatmentMax per LifeNot AvailableNot Available25,000
Palliative CareMax per LifeNot AvailableNot Available250,000
Expert Medical Opinionavailableavailableavailable
Medical Assistanceavailableavailableavailable
Emergency Treatment Benefits
Emergency & Accidental IP treatment outside coverage areaMax per policy yearAs ChargedAs ChargedAs Charged
Emergency & Accidental OP treatment including Dental, inside and outside coverage areaMax per policy yearAs ChargedAs ChargedAs Charged
Continued outpatient treatment for accidental injuryUndergoing outpatient treatment within 30 days from the time of accident or other emergency conditionsAs ChargedAs ChargedAs Charged
Funeral expense25,00025,00025,000
Annual Limit500,0002,000,0002,000,000
Benefit Booster1,000,0008,000,0008,000,000

Asia Exclude SG , HK & JPN

PLAN ESSENTIALESSENTIAL X
Area of CoverageAsia Exclude SG , HK & JPNAsia Exclude SG , HK & JPN
Bed Type2 bedded with attached bathroom or R&B that doesn't exceed1 bedded with attached bathroom or R&B that doesn't exceed
R&B Benchmark6001,200
Inpatient BenefitsDescription
Daily Hospital Room and BoardNo days limitationAs ChargedAs Charged
Intensive Care Unit (ICU)No days limitationAs ChargedAs Charged
(include NICU/PICU/HDU/Intermediary Ward/Isolation Room)No days limitationAs ChargedAs Charged
General Practitioner VisitTwo GP visit per day Per day benefit limit
As ChargedAs Charged
Specialist VisitTwo Spec visit per day , per type of specialist Per day benefit limitAs ChargedAs Charged
Surgery FeeAs ChargedAs Charged
Prosthesis and ImplantAs ChargedAs Charged
Miscellaneous ExpensePer hospitalization periodAs ChargedAs Charged
Local AmbulanceAs ChargedAs Charged
Companion benefitMax 180 days per policy year. Per day benefit limit150300
Alternative Daily CashMax 60 days per policy year. Per day benefit limit150300
Outpatient Benefits
Pre-Hospitalization ExpensesMax 60 days prior to hospital admission. Per hospitalisation periodAs ChargedAs Charged
Post-Hospitalization ExpensesMax 90 days post hospital discharge. Per hospitalisation periodAs ChargedAs Charged
Outpatient Physiotherapy Treatment30 pre/ 90 days post hospitalization, max 90 days per yearAs ChargedAs Charged
Day SurgeryAs ChargedAs Charged
Home NursingMax 180 days per lifeAs ChargedAs Charged
High Profile Critical Illness Benefits
Cancer Treatment & OP diagnosis expensesAs ChargedAs Charged
Dialysis TreatmentAs ChargedAs Charged
Organ Transplant costAs ChargedAs Charged
Donor expenses for organ transplantAs ChargedAs Charged
Stroke Rehabilitation (physiotherapy , speech and occupational therapy)Max 180 days post hospitalization, limited to one (1) visit to any therapist per day.300300
Catastrophic CI incomeBenefit per life500.000500.000
Additional Special Benefits
Traditional chinese medicine90 days post hospitalization, max 90 days per year; Max per policy yearOverall 15,000 per year ; 1,000 per hospitalization forOverall 15,000 per year ; 1,000 per hospitalization for
Durable medical equipmentMax per Life50,00050,000
External artificial body partMax per Life500,000500,000
HIV treatmentMax per Life25,00025,000
Palliative CareMax per Life250,000250,000
Expert Medical Opinionavailableavailable
Medical Assistanceavailableavailable
Emergency Treatment Benefits
Emergency & Accidental IP treatment outside coverage areaMax per policy yearAs ChargedAs Charged
Emergency & Accidental OP treatment including Dental, inside and outside coverage areaMax per policy yearAs ChargedAs Charged
Continued outpatient treatment for accidental injuryUndergoing outpatient treatment within 30 days from the time of accident or other emergency conditionsAs ChargedAs Charged
Funeral expense25,00025,000
Annual Limit3,000,0004,000,000
Benefit Booster9,000,00011,000,000

All Asia

PLAN ELITEELITE X
Area of CoverageAll AsiaAll Asia
Bed Type2 bedded with attached bathroom or R&B that doesn't exceed1 bedded with attached bathroom or R&B that doesn't exceed
R&B Benchmark10001,500
Inpatient BenefitsDescription
Daily Hospital Room and BoardNo days limitationAs ChargedAs Charged
Intensive Care Unit (ICU)No days limitationAs ChargedAs Charged
(include NICU/PICU/HDU/Intermediary Ward/Isolation Room)No days limitationAs ChargedAs Charged
General Practitioner VisitTwo GP visit per day Per day benefit limit
As ChargedAs Charged
Specialist VisitTwo Spec visit per day , per type of specialist Per day benefit limitAs ChargedAs Charged
Surgery FeeAs ChargedAs Charged
Prosthesis and ImplantAs ChargedAs Charged
Miscellaneous ExpensePer hospitalization periodAs ChargedAs Charged
Local AmbulanceAs ChargedAs Charged
Companion benefitMax 180 days per policy year. Per day benefit limit400500
Alternative Daily CashMax 60 days per policy year. Per day benefit limit400500
Outpatient Benefits
Pre-Hospitalization ExpensesMax 60 days prior to hospital admission. Per hospitalisation periodAs ChargedAs Charged
Post-Hospitalization ExpensesMax 90 days post hospital discharge. Per hospitalisation periodAs ChargedAs Charged
Outpatient Physiotherapy Treatment30 pre/ 90 days post hospitalization, max 90 days per yearAs ChargedAs Charged
Day SurgeryAs ChargedAs Charged
Home NursingMax 180 days per lifeAs ChargedAs Charged
High Profile Critical Illness Benefits
Cancer Treatment & OP diagnosis expensesAs ChargedAs Charged
Dialysis TreatmentAs ChargedAs Charged
Organ Transplant costAs ChargedAs Charged
Donor expenses for organ transplantAs ChargedAs Charged
Stroke Rehabilitation (physiotherapy , speech and occupational therapy)Max 180 days post hospitalization, limited to one (1) visit to any therapist per day.500500
Catastrophic CI incomeBenefit per life500.000500.000
Additional Special Benefits
Traditional chinese medicine90 days post hospitalization, max 90 days per year; Max per policy yearOverall 25,000 per year ; 1,000 per hospitalization forOverall 25,000 per year ; 1,000 per hospitalization for
Durable medical equipmentMax per Life50,00050,000
External artificial body partMax per Life500,000500,000
HIV treatmentMax per Life25,00025,000
Palliative CareMax per Life250,000250,000
Expert Medical Opinionavailableavailable
Medical Assistanceavailableavailable
Emergency Treatment Benefits
Emergency & Accidental IP treatment outside coverage areaMax per policy yearAs ChargedAs Charged
Emergency & Accidental OP treatment including Dental, inside and outside coverage areaMax per policy yearAs ChargedAs Charged
Continued outpatient treatment for accidental injuryUndergoing outpatient treatment within 30 days from the time of accident or other emergency conditionsAs ChargedAs Charged
Funeral expense25,00025,000
Annual Limit5,000,0005,000,000
Benefit Booster15,000,00020,000,000

Worldwide Excluding USA

PLAN PRIME
Area of CoverageWorldwide Excluding USA
Bed TypeOne class above 1 bedded with attached bathroom or R&B that doesn't exceed
R&B Benchmark3,000
Inpatient BenefitsDescription
Daily Hospital Room and BoardNo days limitationAs Charged
Intensive Care Unit (ICU)No days limitationAs Charged
(include NICU/PICU/HDU/Intermediary Ward/Isolation Room)No days limitationAs Charged
General Practitioner VisitTwo GP visit per day Per day benefit limit
As Charged
Specialist VisitTwo Spec visit per day , per type of specialist Per day benefit limitAs Charged
Surgery FeeAs Charged
Prosthesis and ImplantAs Charged
Miscellaneous ExpensePer hospitalization periodAs Charged
Local AmbulanceAs Charged
Companion benefitMax 180 days per policy year. Per day benefit limit750
Alternative Daily CashMax 60 days per policy year. Per day benefit limit750
Outpatient Benefits
Pre-Hospitalization ExpensesMax 60 days prior to hospital admission. Per hospitalisation periodAs Charged
Post-Hospitalization ExpensesMax 90 days post hospital discharge. Per hospitalisation periodAs Charged
Outpatient Physiotherapy Treatment30 pre/ 90 days post hospitalization, max 90 days per yearAs Charged
Day SurgeryAs Charged
Home NursingMax 180 days per lifeAs Charged
High Profile Critical Illness Benefits
Cancer Treatment & OP diagnosis expensesAs Charged
Dialysis TreatmentAs Charged
Organ Transplant costAs Charged
Donor expenses for organ transplantAs Charged
Stroke Rehabilitation (physiotherapy , speech and occupational therapy)Max 180 days post hospitalization, limited to one (1) visit to any therapist per day.500
Catastrophic CI incomeBenefit per life500.000
Additional Special Benefits
Traditional chinese medicine90 days post hospitalization, max 90 days per year; Max per policy yearOverall 25,000 per year ; 1,000 per hospitalization for
Durable medical equipmentMax per Life50,000
External artificial body partMax per Life500,000
HIV treatmentMax per Life25,000
Palliative CareMax per Life250,000
Expert Medical Opinionavailable
Medical Assistanceavailable
Emergency Treatment Benefits
Emergency & Accidental IP treatment outside coverage areaMax per policy yearAs Charged
Emergency & Accidental OP treatment including Dental, inside and outside coverage areaMax per policy yearAs Charged
Continued outpatient treatment for accidental injuryUndergoing outpatient treatment within 30 days from the time of accident or other emergency conditionsAs Charged
Funeral expense25,000
Annual Limit15,000,000
Benefit Booster35,000,000

Worldwide

PLAN SIGNATURE
Area of CoverageWorldwide
Bed TypeOne class above 1 bedded with attached bathroom or R&B that doesn't exceed
R&B Benchmark5,000
Inpatient BenefitsDescription
Daily Hospital Room and BoardNo days limitationAs Charged
Intensive Care Unit (ICU)No days limitationAs Charged
(include NICU/PICU/HDU/Intermediary Ward/Isolation Room)No days limitationAs Charged
General Practitioner VisitTwo GP visit per day Per day benefit limit
As Charged
Specialist VisitTwo Spec visit per day , per type of specialist Per day benefit limitAs Charged
Surgery FeeAs Charged
Prosthesis and ImplantAs Charged
Miscellaneous ExpensePer hospitalization periodAs Charged
Local AmbulanceAs Charged
Companion benefitMax 180 days per policy year. Per day benefit limit1,200
Alternative Daily CashMax 60 days per policy year. Per day benefit limit1,200
Outpatient Benefits
Pre-Hospitalization ExpensesMax 60 days prior to hospital admission. Per hospitalisation periodAs Charged
Post-Hospitalization ExpensesMax 90 days post hospital discharge. Per hospitalisation periodAs Charged
Outpatient Physiotherapy Treatment30 pre/ 90 days post hospitalization, max 90 days per yearAs Charged
Day SurgeryAs Charged
Home NursingMax 180 days per lifeAs Charged
High Profile Critical Illness Benefits
Cancer Treatment & OP diagnosis expensesAs Charged
Dialysis TreatmentAs Charged
Organ Transplant costAs Charged
Donor expenses for organ transplantAs Charged
Stroke Rehabilitation (physiotherapy , speech and occupational therapy)Max 180 days post hospitalization, limited to one (1) visit to any therapist per day.1,200
Catastrophic CI incomeBenefit per life500.000
Additional Special Benefits
Traditional chinese medicine90 days post hospitalization, max 90 days per year; Max per policy yearOverall 50,000 per year ; 1,000 per hospitalization for
Durable medical equipmentMax per Life50,000
External artificial body partMax per Life500,000
HIV treatmentMax per Life25,000
Palliative CareMax per Life250,000
Expert Medical Opinionavailable
Medical Assistanceavailable
Emergency Treatment Benefits
Emergency & Accidental IP treatment outside coverage areaMax per policy yearAs Charged
Emergency & Accidental OP treatment including Dental, inside and outside coverage areaMax per policy yearAs Charged
Continued outpatient treatment for accidental injuryUndergoing outpatient treatment within 30 days from the time of accident or other emergency conditionsAs Charged
Funeral expense25,000
Annual Limit20,000,000
Benefit Booster45,000,000

eXtra Options

EXtra plan options and coverage areas that can be adjusted according to your needs.

Extra Protections

eXtra protection is specially designed for policyholders and loved ones.

eXtra Services

Various protection services owned by policyholders to make it more comprehensive.

eXtra:


eXtra Options

Various eXtra plan options and coverage areas that can be adjusted according to insurance policyholders.

A wide selection of Hospital & Surgical Care Premier insurance coverage plans and areas

    • Indonesia
      Basic – Basic X – Classic
    • Asia, except Singapore, Japan and Hong Kong
      Essential – Essential X
    • Asia
      Elite – Elite X
    • Worldwide, except for the United States
      Prime
    • The whole world
      Signature


Extra Protections

A variety of protection eXtra specially designed for you and your loved ones.

EXTRAORDINARY

  • IDR 50 million for durable medical equipment. *
  • IDR 500 million for artificial limbs. *
  • IDR 500 million is paid directly for catastrophic critical illness benefits. **

EXTRACARE

  • Benefits of being charged, cashless claims.
  • Hospitalization and ICU without day limit.
  • Stroke rehabilitation in the form of physiotherapy, speech therapy and occupational therapy.
  • Cancer treatments include radiotherapy, chemotherapy, targeted therapy, immune therapy and hormonal therapy.
  • Transplant costs and organ transplant donors.
  • HIV / AIDS treatment for any cause. *
  • Traditional Chinese Medicine, including acupuncture and herbal medicine. *
  • Dialysis Treatment (dialysis).

EXTRA BENEFIT

  • 2X doctor visits.
  • 2X specialist consultations per specialist type.
  • 60 days of daily allowance.
  • 6 months after accident or illness for reconstructive surgery.
  • 30 days of follow-up outpatient care from an emergency or accident.
  • Up to IDR 65 billion, total coverage.
  • Companion fee for all ages of the Insured.

* Not available in Basic, Basic X plans.

** Not available in Basic, Basic X, Classic plan.


eXtra Services

Various eXtra services that complement the protection of policyholders to make it more comprehensive.

  • Hospital Registration & Medical Concierge (by International Assistance)

International Assitance collaborates with Allianz in providing cashless facilities for policyholders to undergo hospitalization at partner hospitals abroad according to the chosen plan.

  • Allianz Hospital Assistant (AHA)

Services via cell phones are like personal assistants to help with administration from the time the policy holders are hospitalized to discharge from the hospital for treatment carried out in the country.

  • Expert Medical Opinion (EMO)

The Expert Medical Opinion gives policyholders access to more than 50,000 health professionals spread around the world to provide opinions before making medical decisions.

  • Service Guarantee claims

7 working days, the claim will be paid after Allianz has received all the complete and correct documents, if there is a delay after these conditions are met, the policy holder will get a voucher worth IDR 100,000 per customer.

  • Allianz eAZy Connect

An easy, convenient and safe way for Allianz insurance policy holders to monitor policies online, anytime and anywhere.

  • Medical Evacuation

This service is in collaboration with Blue Dot Assistance (BDA) which will apply when the Insured dies, has an accident, is sick or in certain conditions that occur during the coverage period.

  • Ask Doctors and Buy Medicines Online

The insurance company Allianz in collaboration with Halodoc provides a service to ask doctors and buy medicines online via a smartphone application.

  • Allianz Smart Point

Allianz's loyalty program by giving points to eligible policyholders (fulfilling the criteria). Allianz Smart Point uses the Allianz Smart Point application on mobile devices (smartphones and tablets), thus providing convenience for policyholders as well as easy and fast access.


Product Terms

Entry Age

Prospective policyholders age 1 month - 70 years

Currency

The currency used for insurance policy payments is Rupiah (IDR)

Underwriting

Full Underwriting from the insurance company Allianz follows the Basic Policy

Product Details


Premium Payment Method

  • Premium Payment Method for Hospital & Surgical Care Premier X Program following the Basic Policy (monthly, quarterly, semester, yearly)

Age of Coverage of Insurance Policy Holders

  • Up to 99 years, or
  • Can be selected from 50-90 years (applies every multiple of 10)


Waiting Period


The details of the waiting period for Policyholders are as follows:

  • Cancer: 90 days
  • Catastrophic Critical Illness: 90 days
  • Special Diseases & HIV / AIDS: 12 months
  • Other Diseases: 30 days

Identity required to apply

KITAS/KITAP

PASSPORT