MITRA SEHAT

Protecting your finances when your health suffers. (IDR)

Being ill and hospitalized is bad enough. Worrying about how you can pay for it and what will happen to your family while you are not working makes everything a lot worse.

For protection against the effects of illness and hospitalization, AJB Bumiputera 1912's Mitra Sehat Rupiah-denominated plan builds up a fund to cover the cost of treatment as well as getting the best investment yield on the premiums paid to create the means to support the future living costs of your family as you recover.

Multi Benefit
Through Healthy Partner (Mitra Sehat), the profits you gain will cover:

1. In patient treatment cost insurance of 3% of Sum Insured - maximum of Rp. 1.000.000,- per day, starting from the 3rd day, maximum 90 days per annum.
2. Consolation money of 100% of Sum Insured.
3. Investment return insurance of 4.5% per annum of the premium savings accumulation.
4. Additional investment return if the investment fund Bumiputera gains exceeds the investment yield guaranteed in point 3.

Eligibility
If you between 21 years of age (at the opening of the insurance plus the insurance period) and 65 years, you are entitled to become a Policy holder. The Insurance period shall be minimum 5 years and maximum 15 years and the minimum Sum Insured for every policy shall be Rp 100.000.000 (one hundred million rupiah). Premiums are paid in Rupiah currency and may be paid as lumpsum, annually, semiannually, or quarterly.

Medical terms
You may become eligible for Mitra Sehat either by undergoing a medical check-up, or without a medical check-up by referring to the prevailing provisions on underwriting.*) The maximum limit of total risk of Sum Insured for insurance without medical check-up (non medical) shall be Rp 300.000.000, (three hundred million rupiah). The observation term for non-medical insurance is 2 years.

Ceased Premium Payment
Mitra Sehat has a grace period of the premium payment for 30 calendar days. If you cease premium payment in excess of the grace period, you may withdraw the existing yield developed by the fund. Otherwise, the existing fund will remain to be developed until the end of the insurance period. No consolation money will be paid. Any policy on which premium payment is ceased may be recovered within 3 years of the cessation of the premium payment.

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