Kumpulan Pertanyaan yang Sering Diajukan
Frequently Asked Questions (FAQ)
Here are some common questions about Generali Insurance.
1. Individual Policy
You can contact or visit the Generali Indonesia Branch Office and Generali Indonesia Agency Office, such as;
- Kantor Pusat - PT Asuransi Jiwa Generali Indonesia
Generali Tower, Lantai 7, Gran Rubina Business Park, Kawasan Rasuna Epicentrum
JL HR Rasuna Said Kavling C-22, Jakarta 12940
Telp : 15000-37
Fax : (021) 2902 1717
- Generali Center – Medan
Uniland Building, Menara Timur, Lantai 4
Jalan Jendral MT Haryono No. A - 1, Medan 20231
Telp : (061) 457 7557
Fax : (061) 455 5085
- Generali Center – Surabaya
Intiland Tower, Lantai 3
Jl. Panglima Sudirman No.101-103, Surabaya 60271
Telp : (0231) 5354089
Fax : (0231) 535 4104
If there are changes to policy data such as correspondence data, telephone numbers, heirs, etc., please fill in the policy change form.
We provide a grace period of 45 days from the due date of the first premium payment. If the premium remains unpaid by the end of this grace period, the policy will be temporarily cancelled until we receive a request for reactivation.
To reactivate the policy, the policyholder can do so by meeting the reinstatement requirements.
The policyholder can request a duplicate policy under the following conditions:
- Fill out the policy change form
- Attach a Police Report stating the loss of the policy, including the policy number
- Pay the duplicate policy administrative fee as per the regulations
Insurance premium payments can be made through:
- Auto Debit Credit Card
- Auto Debit BCA Account
- Virtual Account via BCA ATM
- Virtual Account via BCA Counter
- Transfer from Another Bank (Clearing/RTGS)
1. Select - Other Transactions
2. Select - Transfer
3. Select - to BCA Virtual Account
4. Enter Virtual Account Number
5. Enter the amount to be paid
6. Validate your payment
Fill in the bank slip:
- Name: Generali Indonesia
- Destination Bank: BCA
- Account Number: Virtual Account Number
- Amount: Transferred amount
- Sender's Name
The credit card will be debited on the 5th, 10th, 15th, 20th, or 27th of each month, depending on the insurance premium due date.
The account will be debited on the 5th, 15th, or 27th of each month, depending on the insurance premium due date.
You can contact Generali Indonesia Agents or Customer Service at:
- Generali Care: (021) 1500037
- WA Jane: 085813150037
- Individual Policy: care@generali.co.id
- Group Policy: cs@generali.co.id
- DPLK Policy: cs.dplk@generali.co.id
Excess room charges will affect other treatment costs and will be borne by the participant. Therefore, it is advisable to wisely choose the hospital room and treatment according to their entitlements.
2. Group Policy
Various group insurance programs offered include:
- Term life insurance
- Total permanent disability group insurance
- Death and total permanent disability due to accident group insurance
- Group hospitalization and surgery insurance
- Group maternity insurance
- Group outpatient insurance
- Group dental care insurance
- Group eyeglasses insurance
Life insurance is a protection program for employee lives. Life insurance provides financial protection for the employee's family, if the employee dies due to anything, anywhere.
If an employee passes away due to any cause (illness or accident).
100% of the insured amount determined by the Company and approved by Generali Indonesia.
Accident insurance is a protection program that provides:
- Reimbursement of medical expenses if an employee experiences an accident,
- Provision of compensation to the employee in case of total or partial permanent disability due to an accident,
- Provision of death benefits equivalent to the Sum Insured to the employee's family if the employee passes away.
If the risk occurs within 60 days of the accident.
The benefits received are as follows:
- 100% of the Sum Insured in case of death due to an accident
- 100% of the Sum Insured for total permanent disability
- Partial permanent disability benefits as per the percentage in the benefit schedule
- Medical expenses up to a maximum of 10% of the Sum Insured per accident
Total permanent disability insurance is a protection program for employees in case of permanent disability due to accidents or illnesses that result in:
- The inability to perform any work, job, or profession to earn income permanently, or
- Total loss of a part of the body or its functions continuously for a minimum of 180 days.
- Loss of both upper limbs
- Loss of both lower limbs
- Loss of both eyes
If the total permanent disability lasts continuously for 6 months.
- 100% of the Sum Assured as determined (by the company) and approved by Generali Indonesia
- The maximum amount of Sum Assured is equal to the Sum Assured of life insurance
Through the hospitalization and surgery insurance program, employees receive reimbursement for treatment costs if they require hospitalization or surgery due to illness or accident, according to the benefits of their chosen class.
The types/categories of major, complex, intermediate, and minor surgeries are defined in accordance with the policy provisions and serve as a reference for determining the surgery category that Generali will pay for.
Claim payments will be made according to the exchange rate specified in the policy. The exchange rate used is the rate applicable at the time of the claim payment process, in accordance with prevailing government regulations.
Yaitu asuransi yang memberikan penggantian biaya rawat jalan termasuk:
- Konsultasi dokter
- Obat-obatan
- Pemeriksaan penunjang diagnostik
- Fisioterapi
- Vaksinasi
Participants can still receive services, but through a reimbursement system where they need to submit a claim to Generali Indonesia afterward.
Participants can directly contact customer service using the phone number listed on the back of the card.
It is covered if performed by a doctor and there is a medical indication.
It is covered if there is a medical indication and it is not excluded under the policy.
Maternity insurance provides reimbursement for childbirth expenses for female employees/wives of employees in case of:
1. Normal childbirth expenses
2. Cesarean section childbirth expenses
3. Pregnancy complication expenses
4. Outpatient pregnancy care expenses
This benefit applies if the pregnancy occurs during the insurance period and the condition is not excluded under the policy.
No, participants who give birth to twins still receive benefits as stated in the policy.
Participants will receive reimbursement for the costs of normal delivery.
The baby's treatment costs will be covered according to the benefits for the mother's childbirth if they are still available.
Every company that joins PT. Generali Indonesia will receive provider hospital facilities.
There are no additional charges whatsoever.
For participants who are hospitalized at a non-Generali partner hospital, the reimbursement system applies, and participants can submit a claim to Generali Indonesia for processing.
Generali Indonesia can issue a manual guarantee letter upon receiving written confirmation from the company's HR department. Subsequently, the HR department must send confirmation for printing a new card with applicable administrative fees.
