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
No Medical Check-up
Easy acceptance, no medical check-up required
Customize Your Benefit
Flexible payment methods for you: cashless payment, reimbursement process or daily cash benefit 
Surgical Benefit
Get you surgical treatment coveredCoverage 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!
*See below table for detailed benefits of each product.
| A | B | C | D | |
|---|---|---|---|---|
| Annual Limit | 50,000,000 | 50,000,000 | 100,000,000 | 100,000,000 |
| Room & Board Benefit Max of 150 calendar days per Policy year (max per day) | 250,000 | 350,000 | 250,000 | 350,000 |
| 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 Benefit | Full 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 Services | Full Covered | |||
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
How to claim
Cashless Method
For cashless method, show Bebas Handal insurance medical card in partner hospital during inpatient registration process
Or Download Claim Form
If hospitalization is done outside partner hospital, download claim form here, and attach supporting documents as listed here
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. 
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.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
Email customercare.id@fwd.com
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:
- Attempted suicide or self-injury
- All types of treatment, examination, treatment or dental surgery except those caused by the Accident
- Reproductive health including Infertility or sterilization; or childbirth, pregnancy and related complication
- Acquired Immune Deficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV) infection, Sexually transmitted diseases or sexual deviations
- Mental and/or psychiatric disorders
- Involvement of the Insured in illegal, neglectful acts and / or in acts against / breaking the law
- 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
- Illness or Bodily Injury due to nuclear reactions, radiation and contamination
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.
- Open the Traveloka application and select Health Insurance,
- Fill in the date of birth,
- Choose insurance plan (according to need),
- Complete the information needed including health questionnaire,
- Make a payment,
- Wait for approval, and
- Officially has a certificate or insurance policy.
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