TYPES OF
Oona offers many types of health insurance, each desires to address various coverages needed.
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Optimal protection solutions for employees in order to support business continuity. With main coverage for inpatient and additional coverage for outpatient, dental care, maternity, and glasses.
Guarantees the risk of Death, Permanent Disability, Medical Care and or Treatment Costs that are directly caused by an accident.
COMPARATION TABLE
Compare the various coverage and benefits of each group health insurance solution and choose the best one for you.
| HEALTH INSURANCE – SMALL MEDIUM ENTERPRISE | GROUP HEALTH INSURANCE |
|---|---|
| Minimum 3 (Three) Employees And 5 (Five) Participants | Minimum Participation Of 25 (Twenty Five) People |
| No Health Declaration | No Health Declaration |
| Covers Personal Accident Allowance Of IDR 10,000,000 Per Person | Guarantees Personal Accident Allowance Of IDR 20,000,000 Per Person |
| Collaborating With +1,400 Providers Throughout Indonesia | Collaborating With +2.100 Health Providers Throughout Indonesia |
| Oona Health Mobile Apps | Oona Health Mobile Apps |
| Cashless Claims (Non-Cash) In The Oona Health Provider Network | Cashless Claims (Non-Cash) In The Oona Health Providers Network |
| Electronic Reimbursement Via The Oona Health App | Electronic Reimbursement Via The Oona Health App |
| Call Center 24/7 | Call Center 24/7 |
| Collaboration With Halodoc Teleconsultation | Collaboration With Halodoc Teleconsultation |
Participants complete the claim documents before 60 calendar days after the date of completion of treatment or according to the policy.
Participants send complete Claim documents to Oona, for verification and analysis of claim submission.
Claim payment maximum 14 days after complete claim requirements are received.
The maximum coverage for self-employed individuals is determined by their Gross Annual Income from the previous year, which can be verified through their Income Tax Return (ITR).
Yes, when your previous domestic employee leaves, their coverage stops automatically. However, you can extend coverage to the new domestic employee by informing the insurance company of the changes.
You can claim both the monthly shelter allowance and pension together as a single lump sum payment, along with your other benefits.
The limit of the personal accident insurance cover is determined by your gross annual income and occupation.
The insured has the option to transfer coverage to a new domestic employee twice per year
Yes, the domestic employee is covered as long as they are employed with you. Coverage ends when they leave or are replaced
Yes, you can apply for multiple personal accident insurance plans. Just make sure the total coverage amount doesn't exceed the maximum benefit permitted, which is determined by a percentage of your Gross Annual Income.
If a domestic employee dies in an accident while riding the employer’s vehicle, their beneficiaries are entitled to twice the face value.
If no beneficiary is named, the insurance proceeds would go to your estate or any relative by blood or marriage whom the Company considers entitled to the proceeds.
No. The increased hospital benefit limit shall remain the same.
Yes, the coverage is designed to support the educational expenses of up to four (4) children currently studying for the first five years after the insured's death.
You can get Personal Accident Insurance if you're between 18 and 60 years old, with the option to renew until you're 65. If you want to include minors aged 1 to 17, their parent or legal guardian must be the policyholder.
No, coverage for Unprovoked Murder and Assault is not automatic. It depends on the applicant's occupation and requires underwriting approval, as well as payment of an additional premium.
No, there's no restriction. The coverage extends anywhere in the world, 24/7, offering protection against medical expenses from injury.
To claim the daily cash benefits, you must be admitted to a hospital or clinic recognized by the Bureau of Medical Services for at least 24 hours. So, you need to stay there overnight to qualify.
Yes, if you're confined again within a year due to the same ongoing illness, the company will still cover your daily benefits.
The Company pays you directly, not the hospital. This means you can use the money freely for medicines, lab fees, medical expenses, etc.
Yes, if the insured dies, the company will cover hospitalization expenses for the insured's dependents up to the policy limit for the initial five (5) years of the insured's absence. This coverage applies regardless of whether the dependent's hospitalization is due to an accident or sickness.
A pre-existing illness is any medical condition you already had before your coverage began, whether you were aware of it or not. Unfortunately, losses due to pre-existing illnesses are not covered by the company.
You'll get your daily hospital cash benefits when you leave the hospital under the hospital cash plan. If you stay for more than 14 days, you can ask for an advance payment for the rest of your stay.
No, it's not automatically covered. But you can ask to add coverage for accidental death or permanent injury, which requires underwriting approval and an extra premium.
You can see more complete information on the Insurance Policy that you have, which consists of a Policy Summary and Policy Terms (policy wording). These documents contain everything that is guaranteed and what is not guaranteed in your insurance policy. The Policy Summary contains details about the policyholder, the risk insured, the period of insurance and details of the insurance premium.
