Our features in Group insurance products are:

• 24-hour protection around the world
• Flexibility to choose the program and determine insurance benefits that best suits to your financial needs and condition in accordance with the staffing level
• online hospital facilities, a partnership with AdMedika, making it easier for participants to know the size of the benefits that is available
• Participant Handbook
• Benefits List of Participant
• 24-hour of AdMedika Customer Service

We offer you our selection programs, namely are:

1. Group Term Life
2. Group Total Permanent Disability
3. Group Accidental Death and Dismemberment
4. Group Hospital and Surgical
5. Group Maternity Benefit
6. Group Out Patient Program
7. Group Dental Benefit

Group Term Life is a life protection program for employees. This Term Life program gives financial protections for employee’s family if the employee encounters death caused by sickness or accident

The Sum Assured will be paid if the employee encounters death caused by sickness or accident

100 % of Sum Assured that has been determined by the Company and approved by Generali  Indonesia will be paid.

Group Accidental Death and Dismemberment is a protection that :

• Covers for medical expenses if the employee encounters accident, and
• Provides compensation if the employee encounters Total Permanent Disability or Partial Permanent Disability by accidental causes
• Provides compensation to the family a sum assured if the employee dies

The Sum Assured will be paid if the risk happened in 60 days after the accident.

• 100% coverage if death caused by accident
• 100% of Total Permanent Disability Sum Assured
• In accordance to the percentage of a list benefit for Partial Permanent Disability
• Maximum 10% of Sum Assured on medical expenses per accident

Group Total Permanent Disability is a protection program for employee if the employee encounters Total Permanent Disability due to accident or sickness that causes:

• Disability to work 
• Dysfunction of body part (arms, legs, and eyes) halfly or wholly in 180 days consecutively

The Sum Assured will be paid when the employee encounter a Total Permanent Disability continuously for 6 months.

• 100 % of Sum Assured that has been determined by the Company and approved by Generali  Indonesia will be paid.
• Maximum Sum Assured equal to the Sum Assured of Group term life.

With Hospital and Surgical Insurance, employee will get the reimbursement of hospital treatment if he/she needs a hospital treatment or surgery that caused by illnesses or accidents. The reimbursement is adjusted accordingly to the chosen benefit.

The maximum amount is as equal to hospital treatment expenses and does not exceed the maximum benefits listed in the List of Hospital and Surgical Benefit each participant.

Type / category of Major surgery, Complex, Intermediate & Minor are  according to the provisions of the policy and will be considered as a reference to determine the category of surgery that will be paid by Generali.

The claim payment will be paid within the applied currency based on policy. The applied currency is the rate that’s being used during the claim payment based on regulations

Exceeded expenses will give impact to the other hospital’s treatment cost and that will be charged to the participant. Thus, it is advisable to choose the hospital’s rightly and accordingly to the health plan.

It’s the insurance that gives an outpatient treatment cost as compensation. The compensations are namely:

1. Doctor’s consultation
2. Medications
3. Diagnostic Check-up
4. Physiotherapy
5. Vaccination

Co-Insurance is part of the costs borne by participants. The amount is determined at the commencement of cooperation between the two sides.

The participant still can get the service with reimbursement system then apply a claim to Generali Indonesia

Participant can directly call to our Customer Service, the number is written on the back of the card

It will be covered if it is being conducted by doctor and based on medical prescription.

It will be covered if it's under medical prescription and it isn't included in policy exception

Maternity Insurance gives a compensation of treatment cost for child-birthing for female employees or the wives’ employees. The compensations are namely:

1. Normal Delivery Benefit
2. Abnormal Delivery Benefit
3. Pregnancy Complication Benefit
4. Pregnancy Check-Up

This benefit applies if pregnancy occurs after a period of insurance and circumstances are not included in the exception policy.

No. Participants who gave birth to twins still will be given in accordance with the listed benefits in the policy.

The participants will receive reimbursements on Normal Childbirth.

The baby will be covered if the remaining Maternity Insurance benefit still available.

Every companies that joins PT Asuransi Jiwa Generali Indonesia will get the benefit of provider.

No charges at all.

The participant will be in reimbursement system and should be applying claim to Generali Indonesia to be processed

Generali Indonesia will issue a Letter of Assurance Manual after obtaining a written confirmation from the Human Resource Department of the company. After that, the HR Department of the company must send a confirmation to print new cards with the applicable administrative costs.