Critical illness insurance that offers a premium refund of up to 150% of the total premium paid.
Prevent becoming a burden during critical times in the future
Cristal Prime
CRISTAL Prime
CRISTAL Prime is an insurance product that provides financial protection in the event of a diagnosis of covered Critical Conditions or Critical Illnesses and offers a premium refund at the end of the coverage period.
For more detailed information about this product, please download the file below.
You can also contact Generali Care at the phone number 1500037 (business hours) or via email at care@generali.co.id. We will be happy to provide further explanations regarding the details of this product.
Advantages of CRISTAL Prime
Critical Illness Benefits up to 120% of the Sum Assured
Death Benefit up to 150% of the total premium paid
Provides a premium refund guarantee of up to 150% of the total premium paid if no claim is made.
Critical Illness Benefits
Critical Illness Benefit of 100% of the Sum Assured + 20% of the Sum Assured (maximum IDR 200,000,000). Benefits for Coronary Angioplasty and Other Invasive Management for Heart Vessel Diseases amount to 10% of the Sum Assured (maximum IDR 200,000,000).
Death Benefit
If the insured passes away during the coverage period, the insurer will pay a benefit of up to 150% of the total premium paid.
End of Coverage Benefit
If the insured is still alive on the Policy Expiry Date and the policy remains active, the insurer will pay a benefit of up to 150% of the total premium paid.
Ilustrasi Cristal Prime
Nama Tertanggung : Pak Surya (Pria)
Usia : 31 tahun
Masa Pertanggungan : 25 tahun
Masa Pembayaran Premi : 5 tahun
Uang Pertanggungan : Rp500.000.000
Premi : Rp16.445.000 per tahun
Product Terms and Conditions
INFORMASI PENTING
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:
- Critical Illness occurs during the Waiting Period;
- Caused by a Pre-existing Condition, unless otherwise specified by the Insurer in the Policy; or
- Caused by the following:
- 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;
- War, state of war, or war emergencies, whether declared or not;
- Engaging in or actively participating in demonstrations, strikes, riots, civil commotion, rebellion, coup d'état, or illegal activities;
- As a passenger or crew member of an aircraft other than scheduled and licensed commercial flights;
- 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;
- 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;
- Congenital abnormalities;
- Mental disorders, intellectual disabilities, neuroses other than Critical Illnesses covered and listed in the Critical Illness List, psychosomatic or psychotic disorders; or
- 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.
Specifically for death risks, the insurer will not pay the insurance benefit due to one or more of the following conditions:
- Suicide, whether sane or insane, carried out by the insured and/or by others at the direction of those with an interest in the Policy if the action occurs within 1 (one) year from the Policy Issuance Date or the date of Policy Change or the Policy Restoration Date, whichever is later; or
- War, including but not limited to invasion, rebellion, revolution, resistance against the government, military takeover, participation in civil commotion, strikes, and civil unrest; or
- Deliberately committing illegal acts or criminal offenses, terrorism, or attempts at criminal acts, whether active or passive, by the Policyholder, Insured, or Beneficiary; or
- Death penalty based on a judicial ruling.
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 (business hours) or via email at care@generali.co.id. We will be happy to provide further explanations regarding the details of this product.
