Healthactive

Asuransi Mandiri Proteksi Jantung

AXA Mandiri

Last seen

May 22, 2026

Currency

IDR

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Overview

Company site

Company

AXA Mandiri

Currency

IDR

Insured object

Heart disease (Penyakit Jantung) — medical costs for hospitalization, surgery, and related treatments arising from disorders of the heart organ and Aorta blood vessels

Coverage period

Maximum 10 years or until the insured reaches age 70, whichever occurs first

Sum insured

Annual benefit limit ranging from IDR 50,000,000 to IDR 750,000,000 depending on plan (A/B/C); includes inpatient cash benefits and death benefit that reduce the annual limit

Research context

Pricing tier

standard

Premium range

Rp 1.200.000 - 4.800.000 per year (Plan B example without/with premium return benefit)

Target segment

Individual customers seeking heart disease-specific health coverage

Distribution

DirectBank

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Rate tables, benefits, key facts, line-specific details, cash value, riders, and competitor context — extracted from official RIPLAY filings.

Product tables

Tabel Manfaat Asuransi Mandiri Proteksi Jantung — Manfaat Rawat Inap

Jenis Manfaat	Rincian	Plan A	Plan B	Plan C
Batas Manfaat Tahunan	Batas Manfaat Tahunan	IDR 50,000,000	IDR 250,000,000	IDR 750,000,000
Wilayah Pertanggungan	Wilayah Pertanggungan	Indonesia	Indonesia	Negara-Negara Asean kecuali Singapura
Biaya Kamar (termasuk akomodasi, makanan, ICU)	Per hari, Maksimum 150 hari per tahun Polis	IDR 500,000	IDR 500,000	IDR 1,000,000
Biaya Akomodasi Pendamping	Per hari; Maksimal 150 hari per tahun Polis	IDR 350,000	IDR 350,000	IDR 500,000
Biaya Tindakan Bedah	Sesuai Batas Manfaat Tahunan	Sesuai Tagihan	Sesuai Tagihan	Sesuai Tagihan
Biaya Aneka Perawatan Rumah Sakit	Sesuai Batas Manfaat Tahunan	Sesuai Tagihan	Sesuai Tagihan	Sesuai Tagihan
Biaya Kunjungan Dokter Umum	Maksimal 1 kali kunjungan per hari untuk Dokter Umum	Sesuai Tagihan	Sesuai Tagihan	Sesuai Tagihan
Biaya Kunjungan Dokter Spesialis Jantung	Maksimal 1 kali kunjungan per hari untuk Dokter Spesialis Jantung	Sesuai Tagihan	Sesuai Tagihan	Sesuai Tagihan
Biaya Perawatan Sebelum Rawat Inap	Maksimal 30 hari sebelum Rawat Inap	Sesuai Tagihan	Sesuai Tagihan	Sesuai Tagihan
Biaya Perawatan Setelah Rawat Inap	Maksimal 60 hari setelah Rawat Inap	Sesuai Tagihan	Sesuai Tagihan	Sesuai Tagihan

Tabel Manfaat Asuransi Mandiri Proteksi Jantung — Manfaat Lainnya

Jenis Manfaat	Rincian	Plan A	Plan B	Plan C
Santunan Tunai Harian	Per hari; Maksimal 20 hari per tahun Polis	IDR 350,000	IDR 350,000	IDR 500,000
Santunan Meninggal Dunia	Santunan Meninggal Dunia	IDR 5,000,000	IDR 10,000,000	IDR 15,000,000
Pengembalian Premi	Tidak terjadi klaim; Akhir tahun ke 3,6,9	30% dari Premi yang telah dibayarkan selama 36 bulan terakhir	30% dari Premi yang telah dibayarkan selama 36 bulan terakhir	30% dari Premi yang telah dibayarkan selama 36 bulan terakhir

Simulasi — Plan B, Bapak Budi Setiawan (36 tahun)

Parameter	Nilai
Nama Tertanggung	Bapak Budi Setiawan
Jenis Kelamin	Pria
Tanggal Lahir	1 Januari 1986
Usia Tertanggung	36 tahun
Pilihan Plan	Plan B
Mata Uang	Rupiah
Premi	Rp 4.800.000/tahun
Manfaat Pengembalian Premi	Dipilih
Masa Asuransi	10 tahun
Metode Pembayaran Premi	Tahunan
Pengembalian Premi Tahun ke-3	Rp 4.320.000
Pengembalian Premi Tahun ke-6	Rp 4.320.000
Pengembalian Premi Tahun ke-9	Rp 4.320.000

Benefits

Benefit Limits

Inpatient

IDR 50,000,000 (Plan A), IDR 250,000,000 (Plan B), IDR 750,000,000 (Plan C) per year

Daily Cash

IDR 350,000/day (Plan A & B), IDR 500,000/day (Plan C) — max 20 days per year

Death Benefit

IDR 5,000,000 (Plan A), IDR 10,000,000 (Plan B), IDR 15,000,000 (Plan C)

Companion Accommodation

IDR 350,000/day (Plan A & B), IDR 500,000/day (Plan C) — max 150 days

Premium Return Benefit

30% of premiums paid over last 36 months returned at end of 3rd, 6th, 9th policy year if no claims filed

Key facts

cashless

Yes

territory / plan a

Indonesia

territory / plan b

Indonesia

territory / plan c

ASEAN countries excluding Singapore

room class

IDR 500,000/day (Plan A & B), IDR 1,000,000/day (Plan C) — maximum 150 days per policy year

product type

Critical Illness

coverage tier

comprehensive

waiting period

12 months for coronary bypass and stent; 90 calendar days for other heart diseases

family discount

5% for 1-2 family members, 10% for 3-4 family members beyond policyholder

free look period

14 calendar days (masa pembelajaran polis)

entry age insured

30 days - 60 years (last birthday)

claim deadline days

entry age policyholder

18 - 60 years (last birthday)

pre hospitalization days

post hospitalization days

premium payment frequency

monthly, quarterly, Semi Annual, annual

Riders

Manfaat Tambahan

Manfaat Pengembalian Premi

Optional

Returns 30% of premiums paid over the last 36 months at the end of every 3rd policy year if no claims have been paid. Automatically applies to all insured persons on the policy and cannot be removed or added later.

Additional premium: Additional premium required (e.g. Rp 1.900.000/year base vs Rp 1.200.000/year without)

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