PROTECTION

COMPREHENSIVE HEALTH SOLUTIONS

Optimum and Comprehensive

Protection with easy Cashless Claim
Services for the Employee and Family
 Welcome to the Comprehensive Health Solution Plan!
It’s time for you to enjoy convenient cashless claim services for both Inpatient and
Outpatient plans at AIA’s trusted in-network hospitals around Indonesia.
The Comprehensive Health Solutions (CHS) not only gives you convenient services but
also provides you with an optimum and comprehensive Protection that covers the Inpatient,
Outpatient, Dental Treatment, Life Insurance and Personal Accident Insurance in a single
Package Plan.
CHS is a very flexible Insurance Package Plan with an affordable rate and can be
participated by any company with at least 5 employees.

Our Plan’s highlights

Cashless inpatient AIA Employee Care

and outpatient* Hotline 24 hours

14 Days Reinstatement of AIA Benefits Web System

Benefit and Mobile Apps

Daily Cash Benefit

if using BPJS Spouse and child
Procedure participation with
Premium per
Lumpsum Medicine person adjustable
Benefit for Outpatient to the number of
family members

Same Competitive Policy extension guarantee

Premium for any with the same Premium cost
age every year
*Except for the Benefit of Specialist Consultation and Diagnostic, X-Ray & Lab Test Benefits 31 days before the Inpatient Treatment/Surgical Procedure
Schedule of Benefits
Protection Benefit PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5 PLAN 6 PLAN 7 PLAN 8 PLAN 9 PLAN 10
Life Insurance Death Benefit
Benefit
Extended Death Benefit due to Permanent 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000
Total Disability

Personal Accident
Insurance Benefit Accidental Death Benefit

Accidental Permanent Total Disability

Benefit 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000 25,000,000

Accidental Permanent Partial Disability

Benefit

Inpatient and
Surgical Benefit Daily Room and Board Benefit with max.
2,000,000 1,500,000 1,250,000 1,000,000 750,000 500,000 400,000 300,000 200,000 100,000
365 days per disability

Intensive Care Unit (ICU) Benefit with max.

20 days (part of 365 days of daily room and 5,000,000 3,750,000 3,125,000 2,500,000 1,875,000 1,250,000 1,000,000 750,000 500,000 250,000
board benefit)

Other Hospital Services Benefit per

60,000,000 45,000,000 37,500,000 30,000,000 22,500,000 15,000,000 12,000,000 9,000,000 6,000,000 3,000,000
disability

Surgical Benefit per disability (according to

the surgical class)

Complex Surgery (Complex) 190,000,000 142,500,000 118,750,000 100,000,000 90,000,000 60,000,000 48,000,000 36,000,000 24,000,000 12,000,000
Major Surgery (Major) 100,000,000 75,000,000 70,000,000 66,000,000 52,500,000 35,000,000 28,000,000 21,000,000 14,000,000 7,000,000
Intermediate Surgery (Intermediate) 50,000,000 37,500,000 35,000,000 33,000,000 30,000,000 20,000,000 16,000,000 12,000,000 8,000,000 4,000,000
Minor Surgery (Minor) 25,000,000 18,750,000 17,500,000 16,500,000 15,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000

Physician Hospital Visit Benefit per day

2,000,000 1,500,000 1,250,000 1,000,000 750,000 500,000 400,000 300,000 200,000 100,000
(max. 365 days) per disability

Accidental Outpatient and Dental

30,000,000 22,500,000 18,750,000 15,000,000 11,250,000 7,500,000 6,000,000 4,500,000 3,000,000 1,500,000
Emergency Benefits per incident

Specialist consultation Benefit 31 days

before and 90 days after Inpatient 5,000,000 3,750,000 3,125,000 3,000,000 2,250,000 1,500,000 1,200,000 900,000 600,000 300,000
Treatment/Surgical Procedure

Diagnostic, X-Ray & Lab Test Benefits 31

days before and 90 days after Inpatient 5,000,000 3,750,000 3,125,000 3,000,000 2,250,000 1,500,000 1,200,000 900,000 600,000 300,000
Treatment/Surgical Procedure

Personal Nurse Benefit Part of Other Hospital Services Benefit

Daily Inpatient Benefit if using BPJS

2,000,000 1,500,000 1,250,000 1,000,000 750,000 500,000 400,000 300,000 200,000 100,000
Kesehatan

UNLIMITED

Protection Be ne fit PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5 PLAN 6 PLAN 7 PLAN 8 PLAN 9 PLAN 10
Outpatient
General physician consultation
200,000 175,000 150,000 125,000 100,000 80,000 70,000 60,000 50,000 40,000
cost, with max. 30 visits per annum

Specialist consultation cost, with

400,000 350,000 300,000 275,000 250,000 200,000 140,000 130,000 125,000 100,000
max. 15 visits per annum

Medicine expenses per annum 5,000,000 4,375,000 3,750,000 3,500,000 3,000,000 2,400,000 2,100,000 1,800,000 1,500,000 1,200,000

Diagnostic and Lab Benefit per

4,000,000 3,500,000 3,000,000 2,500,000 2,000,000 1,600,000 1,400,000 1,200,000 1,000,000 800,000
annum

Physiotherapy Benefit per annum 3,000,000 2,625,000 2,250,000 1,875,000 1,500,000 1,200,000 1,050,000 900,000 750,000 600,000

Basic Dental Treatment Benefit per

2,400,000 2,100,000 1,800,000 1,500,000 1,200,000 960,000 840,000 720,000 600,000 480,000
annum
Limit per annum 26,400,000 23,100,000 19,800,000 17,250,000 14,450,000 11,560,000 9,590,000 8,370,000 7,225,000 5,780,000
Schedule of Premium
TABEL PREMI PLAN 1 PLAN 2 PLAN 3 PLAN 4 PLAN 5 PLAN 6 PLAN 7 PLAN 8 PLAN 9 PLAN 10

Option 1- Inpatient, Cashless Facility within In-Network

Employee 8,853,000 6,661,000 5,565,000 4,716,000 3,684,000 2,484,000 2,004,000 1,524,000 1,044,000 564,000
Spouse 9,738,000 7,327,000 6,121,000 5,188,000 4,052,000 2,732,000 2,204,000 1,677,000 1,149,000 621,000
Child 7,357,000 5,538,000 4,629,000 3,925,000 3,068,000 2,073,000 1,674,000 1,276,000 878,000 480,000

Option 1- Outpatient, Cashless Facility within In-Network

Employee 3,284,000 2,873,000 2,463,000 2,168,000 1,819,000 1,455,000 1,225,000 1,064,000 910,000 728,000
Spouse 3,612,000 3,161,000 2,709,000 2,385,000 2,001,000 1,601,000 1,348,000 1,171,000 1,001,000 801,000
Child 3,965,000 3,469,000 2,974,000 2,618,000 2,196,000 1,757,000 1,480,000 1,285,000 1,098,000 879,000

Option 2 - Inpatient, Cashless Facility within In-Network and Reimbursement within Out-Network (100%)
Employee 9,295,650 6,994,050 5,843,250 4,951,800 3,868,200 2,608,200 2,104,200 1,600,200 1,096,200 592,200
Spouse 10,224,900 7,693,350 6,427,050 5,447,400 4,254,600 2,868,600 2,314,200 1,760,850 1,206,450 652,050
Child 7,724,850 5,814,900 4,860,450 4,121,250 3,221,400 2,176,650 1,757,700 1,339,800 921,900 504,000

Option 2 - Outpatient, Cashless Facility within In-Network and Reimbursement within Out-Network (100%)
Employee 3,612,400 3,160,300 2,709,300 2,384,800 2,000,900 1,600,500 1,347,500 1,170,400 1,001,000 800,800
Spouse 3,973,200 3,477,100 2,979,900 2,623,500 2,201,100 1,761,100 1,482,800 1,288,100 1,101,100 881,100
Child 4,361,500 3,815,900 3,271,400 2,879,800 2,415,600 1,932,700 1,628,000 1,413,500 1,207,800 966,900

TERMS AND CONDITIONS

Total participated employees: min. 5 persons and max. 50 persons

Age of employee and spouse: min. 17 years and max. 59 years;

Child age with min. 0 day and max. 23 years (student, unemployed, unmarried
fully financial depending upon the Employee);

All employees must be enrolled into the Plan;

Employees with the same position must be enrolled into the same Plan;

Different Plan for each position can be done up to 2 (two) plan levels;

Plan should be determined at the beginning of insurance. Additional Plan is not allowed
if the insurance has started;

Determination of Out-patient & Dental Benefits Plan may be different from the Inpatient Benefit
Plan to the extent it will not more than 1 (one) plan below;

Attaching the supporting documents as required;

* Your premium payment already includes the commission component given by PT AIA FINANCIAL as the insurance company to its sales force.
PROTECTION COMPREHENSIVE HEALTH SOLUTION

Exclusions* :
For Inpatient, Outpatient, Surgical and Dental Treatment Benefits:
 Pre-existing conditions whereby the Member has received medical treatment, diagnostic, or consultation whether in a conscious or
unconscious condition.
 Becoming a Member within 90 (ninety) days before the effective date of membership unless he/she is insured under this Policy for 12
(twelve) consecutive months since the effective date of membership.
 Pre-existing disorder or disease and the complication thereof.
 All conditions related to pregnancy/birth that require treatment/surgical procedure, fertility treatment.
 Any costs or tariffs exceeding the permitted maximum benefit for the use of room and other additions for personal comfort.
 Aesthetic treatment/medication or cosmetic/plastic surgery, including weight-loss medicine.
 Or addictive disorder caused by the use of illegal drugs or alcohol addiction, mental illness, suicide attempt, veneral disease and the
consequence thereof.
 Eye refraction, any Inpatient treatment related to the dental problem and examination/routine medical check-up.
 Treatment as a direct or indirect result of war or riot or mass violence, strike, military duty, or crime, as a passenger of a chartered flight
or a dangerous sport.
 Alternative treatment (Sinshe and the like), treatment for health recovery.

For Life Insurance Benefit:

 Suicide within the first 12 (twelve) months of the membership.
 Pre-existing conditions whereby the Member has received medical treatment, diagnostic, or consultation whether in a conscious or
unconscious condition.
 Becoming a Member within 90 (ninety) days before the effective date of membership unless he/she is insured under this Policy for 12
(twelve) consecutive months since the effective date of membership.

For Accidental Insurance Benefit:

 Participating in a risky competition or activity, among others: parachuting, ice skiing, water skiing, martial art, mountain climbing.
 Direct or indirect involvement in war, rebellion, riot, coup d’etat.
 Suicide, working at an airline company, using illegal drugs and consequence of atom/nuclear reaction.
 Participating in military duty or military operation.

*) the complete list of exemptions can be found in the policy

About AIA in Indonesia
PT AIA FINANCIAL (AIA) is one of the leading life insurance companies in Indonesia registered
with and supervised by the Indonesian Financial Services Authority. AIA in Indonesia operates
as a subsidiary of AIA Group. AIA offers a range of insurance products, including Syariah-based
insurance, covering life insurance, health insurance, personal accident insurance, investment-
linked insurance, employee benefit plan, severance pay program, and Pension Fund program
(DPLK). Those products are marketed by over 6,600 experienced and professional sales force
through various distribution channels such as agency, Bancassurance and Corporate Solutions
(Pension & Employee Benefits)).

AIA’s superiority and performance in Indonesia are also recognized through many awards
received in life insurance industry in Indonesia during the past couple of years.

About AIA Group

AIA Group Limited and its subsidiaries (collectively “AIA” or “Group”) are the largest
independent pan-Asian life insurance group in the world listed on the stock exchange. It has
subsidiaries or branches operate in 18 markets around Asia Pacific, namely Hong Kong,
Thailand, Singapore, Malaysia, China, Korea, the Philippines, Australia, Indonesia, Taiwan,
Vietnam, New Zealand, Macau, Brunei, has 97 percent shares in a subsidiary in Sri Lanka, 49
percent ownership in a joint venture company in India, and representative offices in Myanmar
and Cambodia.

The business that is now called AIA was first established in Shanghai almost a century ago. It
becomes the market leader in the Asia Pacific region (excluding Japan) based on life insurance
premium and holds the leading position across the majority markets. It has total assets of
US$185 billion per 30 November 2016.

AIA provides long-term savings and protection required by individuals by offering a

comprehensive products and services including life insurance, personal accident insurance and
health insurance and savings. Further, it also provides employee benefit plan, credit life
insurance and pension plan to corporate clients. Through the network of agents and
employees across Asia Pacific, AIA serves over 30 million individual policies and over 16 million
members of group policyholder schemes.

AIA Group Limited is listed on the stock exchange of Hong Kong under the stock code ‘1299’
and with American Depositary Receipts (Level 1) being traded on the OTC (ticker symbol:
"AAGIY").

IMPORTANT! Information in this document is prepared by PT AIA FINANCIAL to summarize

various benefits and terms of this insurance. Information is prepared as concise and brief as
possible to give an illustration as to the benefits provided to you. Since the Policy contains the
complete and detailed terms and conditions, the conclusive interpretation of the benefits and
terms will be determined based on what is written in the Policy.

PT AIA FINANCIAL
Corporate Solutions (Pension & Employee Benefits)
AIA Central
Jl. Jend. Sudirman Kav. 48A
Jakarta 12930