Benefits – Domestic Travel Insurance

Pay less when buying with friends and family
Daily hospital cash if you or a family member is hospitalized
Lower premium if more than 2 people buy together
Cashless medical expenses up to IDR 2.5 Bio
Daily hospital cash if you or a family member is hospitalized
Cover hospitalization, medical emergency and accident expenses.
Claim assistance 24/7
Daily hospital cash if you or a family member is hospitalized
Call Zurich assist +62 21 5082 5555 for claim support anytime, anywhere.

How to make a claim

Claim Report
Report the loss no later than 30 calendar days after the date of the incident giving rise to a claim. Zurich Assist: +62 21 5082 5555

Claim Documents
No later than 90 (ninety) calendar days after the date of the incident giving rise to a claim. In certain circumstances, the Insurer may require other evidence to support the Insured's claims submission.

Claim Payment
Claim payment will be made no later than 30 (thirty) calendar days after the issue of the letter of claim payment agreement by the Insurer.
The complete claim procedure shall refer to the Zurich Travel Insurance Policy.

Terms & conditions
Fitness for Travel
At the time of taking out this insurance, You must be medically fit to Travel and You must not be aware of any circumstances which could lead to cancellation or disruption of a Trip or any other claim under this Policy.

Duty of Disclosure
Disclose any material facts, i.e. any information, description, circumstances and facts which may influence the Insurer's decision in accepting or declining Your insurance application and in charging a premium rate on it should the application be accepted.

Premium Payment
Premium due must have been paid to and actually received in full by the Insurers, as stated in the grace period.

Governing Law and Jurisdiction
This Policy shall be governed by and interpreted in accordance with the laws of Indonesia and subject to the exclusive jurisdiction of the Indonesian courts.

The maximum age of the insured is 70 years at the time of purchase of insurance...
The Policy Schedule will be sent as a softcopy.
The complete terms and conditions shall refer to the Zurich Travel Insurance Policy.

Exclusions
Any Trip that is undertaken:
For the purpose of obtaining medical care, consultation or medical treatment, obtaining diagnosis or treatment of any kind or for rest and recuperation following any prior injury or illness;
For the purpose of obtaining medical care, consultation or medical treatment, obtaining diagnosis or treatment of any kind or for rest and recuperation following any prior injury or illness;
You have been diagnosed as having a terminal condition;
You are waiting for the results of tests or investigations, or awaiting a referral for a pre-existing medical condition.
Air travel other than as a fare paying passenger on a regularly scheduled airline or licensed charter aircraft;
The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests, which are not directly related to the Illness or Injury which necessitated Your admittance to hospital;
Any illegal or unlawful act by You or confiscation, detention, destruction or quarantine of property or possessions by customs or other authorities;
Any event arising from war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup;
Any loss occasioned through the willful or malicious act or involvement of You;
The complete exclusions shall refer to the Zurich Travel Insurance Policy.