Long-term Protection
Up to age 85
For Resilience Against Critical Conditions
Multi-stage Critical Illness Protection 315 Additional Insurance
MCI PRO 315
Additional Insurance MCI PRO 315
MCI PRO 315 is an additional insurance product for the main insurance policy BeSMART Lite which provides financial protection in the event of a diagnosis of Critical Illness or Critical Condition up to 315% of the Sum Insured.
Advantages of MCI PRO 315
Critical Illness Protection
terhadap beragam gangguan organ kritis dan Penyakit Kritis.
Comprehensive Protection
from Initial Stage to Catastrophic
The main benefits of MCI PRO 315
If the Insured is diagnosed with one of the Critical Conditions and Critical Illnesses covered under MCI PRO 315, the following will be paid:
- Early Stage Benefit + Extra Early Stage Benefit (if applicable)
100% Sum Insured + 40% Sum Insured
- Final Stage Benefit + Extra Final Stage Benefit
100% Sum Insured + 20% Sum Insured
- Diabetes Complications Benefit (if applicable)
100% Sum Insured
- Catastrophic Benefit
100% Sum Insured
Product Terms and Conditions
Informasi Penting
Insurance Benefit Exclusions
Specifically for Critical Illness risks, the insurer is not obligated to pay the insurance benefit if the insured suffers from a critical illness due to one or more of the following conditions:
- Which occurs within 90 (ninety) days from the Policy Issuance Date or the date of any changes to the Additional Insurance Benefits of MCI PRO 315 requiring a risk reassessment, or the Policy Restoration Date, whichever is later;
- Which is caused by a Pre-existing Condition, unless otherwise specified by the Insurer in the Policy; or
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Which is caused by the following:
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Attempted suicide or self-harm, whether sane or insane, carried out by the insured and/or by others at the direction of those with an interest in the Insurance;
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War, state of war, or war emergencies, whether declared or not;
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Engaging in or actively participating in demonstrations, strikes, riots, civil commotion, rebellion, coup d'état, or illegal activities;
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As a passenger or crew member of an aircraft other than scheduled and licensed commercial flights;
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Abuse and/or any activities related to the use of alcohol, narcotics, drugs, prohibited substances, toxins, gases, any type of waste, nuclear radiation, and similar substances, whether intentionally or accidentally related to the insured's occupational or professional risks;
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Engaging in dangerous activities on land, in the air, or underwater, such as parachuting, diving, hang gliding, car racing, motorboat racing, motorcycle racing, bungee jumping, white-water rafting, contact sports, rock climbing, caving, boxing, or any other risky sports/activities;
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Congenital abnormalities;
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Mental disorders, intellectual disabilities, neuroses other than Critical Illnesses covered and listed in the Critical Illness List, psychosomatic or psychotic disorders; or
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The presence of Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) in the insured, unless AIDS or HIV is covered and listed in the Critical Illness List.
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Form Registration
Please fill in the form below according to the information you want to know.
* All information below is mandatory.
For more detailed information about this product, please download the file below.
You can also contact Generali Care at the phone number 1500037 (working hours) or via email at care@generali.co.id. We will be happy to provide further details about this product.
