Protect Your Health with Health Insurance

Protecting your health has never been this easy. Now with just a few taps, you can get insured at an affordable price and without worries.

Now available on Traveloka App

$label No Medical Check-up Easy acceptance, no medical check-up required
$label Customize Your Benefit Flexible payment methods for you: cashless payment, reimbursement process or daily cash benefit
$label Surgical Benefit Get you surgical treatment covered

Coverage and Legibility

We understand that your health is precious, hence we offer health insurance with extensive coverage and various benefits to protect you and your loved ones. 

Simplify the claim process by using cashless method with Bebas Handal by FWD. Get your hospitalization fully covered* up to Rp 100.000.000 per year!

or get Daily Hospital Benefit* with Hospital Cash Plan up to Rp300.000/day and Rp128.000.000/year with double claim facility from Astra Life.

or have protection for you and your family against cancer risk with FWD Cancer Protection with a total sum insured up toRp 150.000.000

*See below table for detailed benefits of each product.

Annual Limit50,000,00050,000,000100,000,000100,000,000
Room & Board Benefit
Max of 150 calendar days per Policy year (max per day)
In Hospital Physician's Visit Benefit
Max 1x visit per day per Doctor
Full Covered
Drugs (medicine) Benefit
Per Policy Year
Full Covered
Diagnostic Lab Benefit
Per Policy Year
Full Covered
Pre Hospitalization Benefit
Max of 30 calendar days before hospitalization per Policy Year
Full Covered
Post Hospitalization Benefit
Max of 30 calendar days after hospitalization per Policy Year
Full Covered
Surgery BenefitFull Covered
Hospitalization Care Benefit
Max of 30 calendar days per Policy Year
Applied if the Insured undergoes hospitalization by using the benefits provided by the Health Security Society (BPJS Kesehatan) during the insurance period and does not submit the Reimbursement of the Medical Cost to the Insurer, the Insurer will pay the Daily Cash Benefit of 50% (fifty percent) of the Room & Board benefit in accordance to Benefit Plan chosen.
Emergency Medical Assistant ServicesFull Covered
Coverage DetailsBasicSurgeryCritical IllnessComprehensive
Daily Cash BenefitCan be chosen from Rp 100,000 - Rp 300,000 (in multiple of Rp 100,000)
Inpatient Benefit
100% Daily Cash Benefit (Max 40 days/policy year)
Daily ICU Benefit
200% Daily Cash Benefit (Max 15 days/policy year)
Surgical Benefit
Up to 15 times Daily Cash Benefit (Max IDR 15,000,000/policy year)
Critical Illness Benefit
Up to 50 times Daily Cash Benefit (Max 1 times/policy year)
Max 100% Daily Cash Benefit (Max 2 times/policy year)
IDR 10,000,000
Basic ProtectionStandard ProtectionOptimal Protection
Cancer BenefitRp 50,000,000Rp 100,000,000Rp 150,000,000

Who are eligible for this plan?

You can be insured with BEBAS HANDAL - FWD if you are between the ages of 30 days and 55 years old

You can be insured with Hospital Cash Plan - Astra Life if you are between the ages of 18 years old and 59 years old

You can be insured with FWD Cancer Protection Insurance if you are between the ages of 18 years old and 64 years old

How to claim

$label Cashless Method For cashless method, show Bebas Handal insurance medical card in partner hospital during inpatient registration process
$label Or Download Claim Form If hospitalization is done outside partner hospital, download claim form here, and attach supporting documents as listed here
$label Send to PT FWD Life Indonesia Send claim form and supporting documents to the address mentioned in the footer of the claim form, no later than 30 days from the end of Medical Services as stated in the original receipt and/or cost details from the Hospital.
$label Payout in 14 working days PT FWD Life Indonesia will disburse the claim payout in 14 days after all required documents (hardcopy) have been received by the FWD. Should there be additional inquiries, you can contact PT FWD Life Indonesia at the contact information below.
$label Fill out claim form You can download the claim form here
$label Attach all the required documents You can refer to the claim form to see the complete checklist
$label Send to PT Asuransi Jiwa Astra HQ Send the claim form, along with the supporting documents, to PT Asuransi Jiwa Astra HQ. Claim requests must be submitted no later than 90 days since the Participant passed away or 60 days after the medical treatment ended / since Participants are first diagnosed from a Critical Disease insured
$label Payout in 10 working days PT Asuransi Jiwa Astra will disburse the claim payout in 10 working days. Should there be additional inquiries, you can contact Hello Astra Life at the contact information below
$label Fill out claim form You can download the claim form here
$label Attach all the required documents Prepare and attach all the required documents listed here
$label Upload Claims via FWD Max app or Whatsapp Upload your claims via FWD Max (download via Play Store or Apple Store) in eservices menu or Send claim form and supporting documents to PT FWD Life Indonesia’s Whatsapp number on 08111893910, no later than 90 days from the date the Insured was diagnosed.
$label Payout in 14 working days PT FWD Life Indonesia will disburse the claim payout in 14 days after all required documents are completed and have been received by the FWD. Should there be additional inquiries, you can contact PT FWD Life Indonesia at the contact information below.

Contact Us


PT FWD Insurance Indonesia

Pacific Century Place, Lantai 20 SCBD Lot 10

Jl. Jendral Sudirman Kav. 52-53

Jakarta Selatan 12190

Call Center (+62) 1 500 391



PT Asuransi Jiwa Astra

Pondok Indah Office Tower 3, Lt. 1

Jl. Sultan Iskandar Muda, Kav. V-TA

Pondok Indah, Jakarta Selatan 12310

Call Center 1-500-AVA (282)


Get your health insurance with ease

Fill your birth date and gender

Select insurance plan

Fill information needed including health questionnaire

Submit payment process

You are protected

Frequently Asked Question

Memahami asuransi menuntut anda mengetahui banyak aspek. Untuk memudahkan anda memahami produk asuransi dengan lebih baik, kami telah membuat peta pertanyaan singkat yang telah kami susun berdasarkan yang paling banyak di cari. Informasi ini akan kami perbarui secara berkala untuk menyediakan informasi yang relevan dan komprehensif kepada anda.

The following is the risks that are not covered:

  1. Attempted suicide or self-injury
  2. All types of treatment, examination, treatment or dental surgery except those caused by the Accident
  3. Reproductive health including Infertility or sterilization; or childbirth, pregnancy and related complication
  4. Acquired Immune Deficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV) infection, Sexually transmitted diseases or sexual deviations
  5. Mental and/or psychiatric disorders
  6. Involvement of the Insured in illegal, neglectful acts and / or in acts against / breaking the law
  7. War (whether declared or not), invasion by another country, hostile or warlike operations (whether declared or not), rebellion, uproar or riot, coup, resistance, revolution, military or armed force, or participation in military action / activities
  8. Illness or Bodily Injury due to nuclear reactions, radiation and contamination

The following is the risks that are not covered:

  1. Pre-existing conditions
  2. Critical illness/treatment diagnosis that happened during waiting period
  3. There is no medical indication that requires hospitalization
  4. The insured lives outside the territory of Indonesia for more than 6 months
  5. Cosmetic and plastic surgery
  6. Psychotic (psychiatric disorders), mental or nervous disorders and behavioral disorders
  7. Use of drugs, narcotics, and/or other prohibited substances, alcoholic drinks and/or other alcoholic drinks, nicotine poisoning including for rehabilitation purposes
  8. Participate in sports or high-risk activities
  9. Vaccination, immunization or medical check-up
  10. All things related to pregnancy, childbirth, miscarriage, infertility and sterilization/contraception
  11. Congenital abnormalities as well as developmental abnormalities both known and unknown
  12. Disease or Injury caused directly or indirectly by war, strikes, riots, riots, rebellion, civil war, coup
  13. Suicide or attempted suicide both conscious and unconscious, and the death penalty by the court
  14. Treatment related to sexually transmitted diseases, contracting immune-reducing viruses and/or other related diseases (HIV/AIDS)
  15. Treatment related to teeth and gums, eye refraction except those caused by an accident
  16. All treatments related to refractive abnormalities in the eye or hearing aids, unless caused by an accident
  17. Experimental, traditional and/or alternative treatments and treatments that are outside Western medical science
  18. All treatments related to organ donation except the Insured as an organ recipient
  19. Insured as an airplane passenger organized by a non-commercial airline, or by a commercial passenger airline company but not currently undergoing flight paths for regular and regular scheduled public transportation and helicopters

Complete exclusions can be seen on the Product Information Summary

Now applying insurance can be done on a smartphone. No need to come and meet the insurance marketing, by only completing the form and you already have insurance protection.

  1. Open the Traveloka application and select Health Insurance,
  2. Fill in the date of birth,
  3. Choose insurance plan (according to need),
  4. Complete the information needed including health questionnaire,
  5. Make a payment,
  6. Wait for approval, and
  7. Officially has a certificate or insurance policy.

Daily Cash Benefit is a benefit in the form of giving daily cash compensation to the Insured when the Insured is hospitalized (due to an accident or illness). The amount of daily cash benefit is in accordance with the insurance plan you have.

For cashless claim method, you only need to show the insurance medical card at the partner hospital during the inpatient registration process. The amount of coverage for the claim is in accordance with the insurance plan you have.

100% of the sum assured is paid upon diagnosis of Cancer as defined below.

Cancer definition: A definite diagnosis by an oncologist, with histological confirmation, of a malignant cancer, or carcinoma in situ of specific sites.

This product covers the carcinoma in situ of the following sites: Breast, uterus, fallopian tube, vulva, vagina, cervix uteri, colon, rectum, penis, testis, lung, liver, stomach, nasopharynx, or urinary bladder.

For carcinoma in situ of cervix uteri, it includes Cervical intraepithelial neoplasia (CIN) Grade III

The types of cancer that are excluded from coverage are as follows:

  1. Non-melanoma skin cancer unless there is evidence of metastasis.
  2. Chronic lymphocytic leukemia is classified as RAI stage 0 or Binet Stage A.
  3. Cancers recognized before or within 90 days of the Policy Effective Date. Cancer Awareness means that the Insured has a medical history with symptoms, irregular Cancer disorders that are reported in medical records, or the Insured is examined, investigated, diagnosed, treated by a specialist in the relevant field.