Health Insurance

 

The purpose of health insurance is to cover medical care expenses incurred in respect to illness or injury by accidents. Health insurance is valid globally, for 24 hours a day and for the whole 365 days a year.

 

The insureds can exert their freedom to choose hospitals, doctors, pharmacies, and laboratories based on their personal preferences. Insurers can also design the benefits covered by the selected health insurance based on the company’s needs.

 

Types of benefits provided to employees and their eligible families include the followings:

1. In-patient hospitalizations

2. Out Patient

3. Maternity

4. Dental care

5. Optical / Glasses

 

CREDIT LIFE INSURANCE

This program provides coverage to pay off a borrower's debt from a bank if that borrower dies and protects the borrower’s dependents.

 

ADMINISTRATION SERVICES ONLY (ASO) PROGRAM

ASO is services provided by ASO Management to effectively support businesses in providing benefit program for their employees. By assigning ASO

management to manage their employee’s benefits, each company can focus on expanding their business.

 

GROUP PERSONAL ACCIDENT

Group Personal Accident is a policy that provides 24 hours protection against accidental injury resulting from works and other activities carried out outside the working place.

Several types of group personal accident plans include:

• Accidental Death of the insured – 100% of the total accidental sum coverage

• Permanent Disablement – 100% of the total accidental sum coverage

• Permanent Partial Disablement

 

GROUP TERMLIFE

This coverage will provide a 24 hour benefit to the beneficiaries if the covered individual dies. The named beneficiary will receive the proceeds when the insurer passes away due to illnesses, accident, war, criminal acts, riots, old age and so on.

 

SEVERANCE FUND

This new program is now offered by insurances with respect to government regulation on severance payment fund allocated for employees based on Indonesian Law No. 13 in 2003. 

 

FINANCIAL INSTITUTION FOR RETIREMENT PLAN ( DPLK )

The agency offers beneficial retirement plan programs to

companies and its employees.

1.  DPLK is an institution that manages retirement plan programs for companies or employers      as well as its employees.

2.  The DPLK Retirement Plan is offered to employees in groups or as individuals.

3.  The DPLK Retirement Plan Program provides employees with benefit payments for the            rest of their lives serves.

4.  The DPLK retirement plan will provide guarantee of financial support to ensure employee’s      welfare when they reach their retirement age.

5.  Provide the DPLK retirement plan is an effective way to boost employee’s motivation and l      loyalty of that can result in higher productivity.

6.  Based on Decree of Minister of Labor No. 150/2000, the DPLK retirement plan can replace      the severance pay.