Health & Life Insurance

MAIN benefits

In case of hospitalization (due to accident or illness)



Hospital General Fee

Surgical Fees

In-hospital Doctor Visits

Daily Cash Allowance (Public Hospitals only)


Ordinary Room

Intensive Care Room

Accidental Minor Injury

personal Accident Benefit

Accidental Death/ Disability

term life benefit

Non-Accidental Death

optional coverage

(for groups with more than 10 employees)

Option Birth Benefit

Option Maternity

Option Outpatient Service

Option Medical Check-up

Adult: between 18 (eighteen) and 65 (sixty-five) years old – applied to staffs and dependents
Child: between 1 (one) and 17 (seventeen) years old – applied to dependents only

General Exclusions

  • Consequences of suicide and self-injury;
  • Death, disability causes by intentional actions of insured’s legal heir;
  • Consequences of war, terrorism, riots/demonstration, commit criminal act;
  • Consequences of quarrel;Consequences of drugs or alcohol consumption. Note: based on police or health facility reports;
  • Consequences of Natural catastrophes and epidemics declared by relevant authorities;
  • Death related to Human Immunodeficiency Virus (HIV);
  • Death related to pregnancy;
  • Professional sport related death, disability and injuries;
  • Traffic accident due to abusing country traffic rule.

Specific Exclusions for Health risk benefits

  • Inpatient treatment at a cabinet or nursing cabinet;
  • Physiotherapy, Cosmetic surgery, Plastic surgery, Skin diseases;
  • Congenital abnormally;
  • Chronic conditions and any complications thereof;
  • Blood transfusion/ Hemodialysis and Organ transplant;
  • Eye and dental treatments unless accidental injury;
  • Treatments performed by traditional healers;
  • Artificial Fecundation and infertility treatment;
  • Mobility aids or assistive devices for disabilities;
  • All services related to Maternity;
  • Mental illness;
  • Sexual Transmitted Diseases, HIV/AIDS;
  • Preventive treatment/Prophylactic, Vaccination and medical check-ups;
  • Any services covered by national programs. E.g. (currently HIV, Tuberculosis, Leprosy);
  • Admission for Para-clinical Examination.