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You don't have to be a top executive to get top medical cover with this affordable sharia-approved plan.
Health Insurance Benefit Summary
Frequently Asked Health Insurance Questions
1. Is there an age limit for Health Insurance (Asuransi Bebas Handal)?
We cover people from 30 days - 55 years old.
2. Where can I find FWD's hospital and clinic partners?
You can find our hospital and clinic partners here
3. How can I participate in health insurance (Asuransi Bebas Handal)?
- Fill out all the forms and choose a package for your needs
- Complete personal data
- Answer health questions
- Make payments using your most convenient method
4. Can I register a participation in health insurance (Asuransi Bebas Handal) for family?
Yes, as long as you are 18 years old and there must be an insurance interest or insurance interest relationship (insurable interest) with the Insured Party. In the case of determining insurable interest, there is a need for family relationships and / or relationships with legal interests such as husband and wife, father/mother and child.
Example:
- A 25-year-old mother register a participation in Asuransi Bebas Handal for her child. The mother is the Participant and the Child is the Insured Party.
- You are 30 years old can not register a participation in Asuransi Bebas Handal for Your grandmother and/or grandpa. You can only register a participation for your spouse, father/mother, and child.
5. Will my contributions change with age?
Yes, as you get older, your health risks increase and therefore your contributions will incrementally increase following each birthday. We’ll let you know when this happens.
6. Can I register a participation in Asuransi Bebas Handal product for more than 1 (one) policy?
Yes, you can register a participation in Asuransi Bebas Handal for more than 1 (one) policy provided that all Insured can only have 1 (one) Asuransi Bebas Handal Policy
Example: A father wants to register a participation into buy Asuransi Bebas Handal for his 3 (three) children. Each child (as the Insured) can only be insured under 1 (one) policy.
7. Do the benefits of Asuransi Bebas Handal extend beyond Indonesia?
Asuransi Bebas Handal benefits with FWD insurance card swipes can only be done at hospital partners in the territory of the Republic of Indonesia, for the use of insurance benefits outside the territory of the Republic of Indonesia applies with a reimbursement system.
Alternatively, Asuransi Bebas Handal also provides Emergency Medical Assistance Services in the form of Repatriation with Medical Assistance and Assistance for Repatriation of Bodies or Funeral/Cremation of Bodies if they occur outside the territory of the Republic of Indonesia
8. Are there any illness that are excluded from Asuransi Bebas Handal?
In addition to conditions contained in the exclusion, there are special illness including their complications that are excluded from the 12 month Waiting Period of the policy. The following are specific illness:
- Disorded in nose, throat, tonsil, adenoid, sinus, septum that needs surgery
- Tuberculosis (TBC)
- Heart and Blood vessels disease
- Brain blood vessel disease (stroke)
- Hypertension (Hipertensi)
- All type of Hepatitis, Liver Cirrhosis
- Diabetes Mellitus
- All disease in Reproductive system
- All kinds of Hernia (include Hernia Nucleus Pulposus
- All kinds of lump/tumour/cyst/cancer
9. Will you reimburse any contributions if I terminate this insurance policy?
Unfortunately, as is standard, there can be no return of contributions in this (or any) plan, should you decide to cancel.
Health Insurance Plan Comparison
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