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.