Online Critical Illness Insurance from Roojai

Critical Illness Insurance FAQs*

*Check the Critical Illness product terms and conditions for complete details.

1. How old must the insured be?

   The insured must be 18-64 years old (and you can extend it to 65 years old).

2. What is included in the Critical Illness Insurance coverage?

   You can choose one or more coverages among our 5 categories, such as:

   1. Cancer (Invasive cancer, Early stage and Late stage)
   2. Neurological (Coma, Cerebral Aneurysm, Alzheimer’s Disease and Parkinson’s Disease)
   3. Cardiovascular: (Ischemic or Haemorrhagic Stroke, Acute Heart Attack and Coronary Artery Bypass Grafts)
   4. Chronic Kidney Failure
   5. Mosquito-borne disease (Malaria, Dengue, Chikungunya, Zika, Yellow Fever)

   Roojai will give you a lump sum starting from 200 million IDR to 1 Bio IDR for categories 1-4, and cashless treatment for category 5.

3. What are the exclusions of this policy?

   We offer you a modular and transparent Critical Illness insurance product on the market. However, some standard insurance exclusions do apply, for example for pre-existing illnesses or injuries and other conditions. Check the product terms and conditions for full details.

4. How do I get covered with Critical Illness insurance from Roojai?
   1. Take 30 seconds to answer a few simple questions
      Click get quote and answer a few simple questions with a few clicks to help us offer the best-suited benefits and premium to you. With Roojai you do not have to provide any medical certificates to get covered.
   2. Build your own coverage
      Customize your cover to suit your budget and lifestyle. Roojai offers some of the most comprehensive insurance plans on the market with many options to suit your requirements. You only pay for what you need. If you'd like extra guidance, our advisors will be happy to help.
   3. Choose your payment method and start your coverage
      Choose the most convenient payment method for you: One-time transfer or instalments with credit card, debit card, bank transfer or virtual account. Enjoy immediate access to your policy in MyAccount on our website after you receive our welcome email.
5. Does getting covered require a medical check-up?

   At Roojai getting covered does not require a medical check up - buying our insurance is 100% online. Just make sure you answer our questions truthfully because the information you provide is the basis for your premium and insurance contract. For full details see the product terms and conditions.

6. Which payment methods are available?

   Roojai offers you 3 convenient payment methods - choose the one that is best for you. For more details see our "How to Pay" page. The 3 payment options are:

   • Credit card
   • Debit card
   • Bank transfer or virtual account
7. Does Roojai offer instalment payments?

   Yes we do, you can split your premium payment into 12 months instalments to suit your budget requirements.

8. How do I know that my payment was successful and my insurance is active?

   After the payment, we will send you a payment confirmation and welcome e-mail with the insurance policy number and the policy start date. All your insurance documents are available online 24/7 in MyAccount on our website.

9. When will I get my insurance policy documents?

   Immediately after your purchase. Roojai will send you an e-mail with the link to MyAccount where you can access your e-policy 24/7. If you choose the non e-policy option, we will send the documents to your address within 10 working days. Help us save the environment by choosing an e-policy!

10. What documents do I have to submit for a claim?

    For reimbursement:
    Roojai has simplified the claims process for you. Just download the simple claim form here, fill it out and send it together with your medical documents to:
    E-mail: medicalclaims@roojai.co.id
    Hard Copy:
    CIBIS 9 17th Floor
    Jl. TB Simatupang No.2
    Cilandak Timur, Pasar Minggu
    Jakarta Selatan 12560
    
    The claims form contains the list of required documents. If additional documents are needed, we will notify you. For more details, see our “How to Claim” page.
    
    For cashless system:
    Get your cashless treatment for mosquito-borne illnesses by showing the Care Card which accessible in your Roojai MyAccount to more than 2000 Roojai network hospital across Indonesia. Check the list of hospital network here.

11. What is the claim process for Critical Illness Insurance?

    The Roojai claims process is easy and fast: You can get cashless treatment at over than 2000 Roojai network hospitals by showing Care Card which is accessible on your MyAccount. For reimbursement, you can submit the claim after critical illness diagnosis. We will process your claim after receiving your completed documents through e-mail and to our office address and we* will pay your approved claim within 30 working days. Just make sure to visit one of our partner hospitals to get the best treatment and an easy claim. For more details, see our “How to Claim” page.
    *on behalf of the insurance company.

12. When will Roojai pay my Critical Illness insurance claim?

    Roojai* will transfer the approved claim amount to your personal bank account within 30 working days from the date we received all required documents. See the full details in the product terms and conditions.
    *Roojai on behalf of the insurance company.