Healthactive

Smile Medical

MSIG Life Insurance Indonesia

Last seen

May 11, 2026

Currency

IDR

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Overview

Company site

Company

MSIG Life Insurance Indonesia

Currency

IDR

Insured object

Biaya perawatan kesehatan tertanggung selama rawat inap di Rumah Sakit akibat Cedera kecelakaan atau Penyakit

Coverage period

1 tahun, diperpanjang sampai usia 100 tahun

Sum insured

Batas maksimum manfaat tahunan sesuai plan (Plan A: Rp50 juta hingga Plan Q: Rp6 miliar)

Research context

Pricing tier

standard

Premium range

Mulai dari Rp506.000 per tahun, meningkat sesuai usia dan plan

Target segment

Individu dan keluarga

Distribution

Bank

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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 Smile Medical (Plan A - Q)

Manfaat	Plan A	Plan B	Plan C	Plan D	Plan E	Plan F	Plan G	Plan H	Plan I	Plan J	Plan K	Plan L	Plan M	Plan N	Plan O	Plan P	Plan Q
Batas Maksimum Manfaat Tahunan	50.000.000	75.000.000	100.000.000	125.000.000	150.000.000	175.000.000	200.000.000	400.000.000	500.000.000	600.000.000	700.000.000	800.000.000	900.000.000	1.400.000.000	1.900.000.000	5.000.000.000	6.000.000.000
Biaya Kamar dan Menginap per hari	100.000	150.000	200.000	250.000	300.000	350.000	400.000	500.000	600.000	700.000	800.000	900.000	1.000.000	1.500.000	2.000.000	5.000.000	7.500.000
Biaya Kamar ICU/ICCU per hari	200.000	300.000	400.000	500.000	600.000	700.000	800.000	1.000.000	1.200.000	1.400.000	1.600.000	1.800.000	2.000.000	3.000.000	4.000.000	4.000.000	4.000.000
Biaya Aneka Perawatan di RS	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Biaya Operasi/Pembedahan	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Biaya Kunjungan Dokter di RS	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Biaya Kunjungan Dokter Ahli di RS	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Biaya Pemeriksaan Laboratorium & Test Diagnostik	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Biaya Konsultasi Lanjutan	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Biaya Transportasi Ambulance	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged	As Charged
Perawat Pribadi di Rumah	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	As Charged	As Charged

Simulasi Manfaat - Plan H (Tertanggung usia 34 tahun)

Item	Detail
Tertanggung	Bapak Andi Kosasih, 34 tahun
Plan	Plan H
Premi Tahun ke-1	Rp4.200.000 (Tahunan)
Biaya Kamar & Menginap	Rp500.000/hari, maks 365 hari/tahun
Biaya Kamar ICU/ICCU	Rp1.000.000/hari, maks 60 hari/tahun
Pemeriksaan Lab & Diagnostik	Sesuai harga, maks 7 hari sebelum rawat inap
Konsultasi Lanjutan	Sesuai harga, maks 30 hari sesudah rawat inap
Manfaat lainnya	Sesuai tabel Plan H

Benefits

Benefit Limits

Icu

Rp200.000 - Rp4.000.000 per hari, maks 60 hari per tahun

Surgery

As Charged, termasuk 7 hari sebelum dan 30 hari sesudah pembedahan

Inpatient

Rp50.000.000 - Rp6.000.000.000 per tahun sesuai plan

Room And Board

Rp100.000 - Rp7.500.000 per hari, maks 365 hari per Ketidakmampuan Secara Fisik

Pre Hospitalization Lab

As Charged, maks 7 hari sebelum rawat inap

Post Hospitalization Follow Up

As Charged, maks 30 hari sesudah rawat inap

Key facts

cashless

Yes

room class

Rp100.000 - Rp7.500.000 per hari sesuai plan

grace period

30 hari sejak tanggal jatuh tempo premi

product type

individual

claim deadline

Laporan: 20 hari sejak kejadian/perawatan; Dokumen klaim: 90 hari sejak keluar RS

waiting period

30 hari pertama (penyakit umum), 12 bulan (kondisi tertentu seperti katarak, hernia, wasir, endometriosis), 18 bulan (penyakit kronis pra-eksisting)

ambulance cover

Yes

plans available

Plan A - Plan Q (17 pilihan plan)

free look period

14 hari sejak polis diterima

entry age insured

1 - 70 tahun

premium frequency

Tahunan, Semesteran, Triwulanan, Bulanan

proration formula

B = (BI × TB) / BK — berlaku jika biaya kamar aktual melebihi plan yang dipilih

private nurse at home

Tersedia pada Plan P dan Q

entry age policyholder

17 - 90 tahun

pre hospitalization period

7 hari sebelum rawat inap

post hospitalization period

30 hari sesudah rawat inap

Riders

No riders or add-ons were parsed for this product.

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