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 staffs and dependents

General Exclusions

• Consequences of suicide and self-injury;
• Death or 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, epidemics and pandemic declared by relevant authorities;
• 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 or plastic surgery;
• Mobility aids or assistive devices for disabilities;
• Organ transplantation, hemodialysis and blood transfusion;
• Treatment performed by traditional healer;