Online Critical Illness Insurance from Roojai

Fully flexible, affordable, and online cover for serious illnesses. Build the cover that suits you best by selecting the benefits & the sum insured, get approval immediately, and pay online.

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Online Critical Illness Insurance from Roojai
What are the unique benefits of Personal Accident insurance at

Why do I need to get Critical Illness insurance?

There are four reasons to get covered:

  1. Protection from the high cost of critical illness treatment.
  2. This insurance can serve as a top up of your health insurance/BPJS program. If you are diagnosed with cancer, cardiovascular disease, neurological illness or kidney failure, you can submit the claim even if your hospital costs are covered by other insurance.
  3. Cash lump sum can help financially should you to take time off work due to critical illness treatment.
  4. New treatment methods are often not covered by traditional health insurance, this product gives you extra peace of mind should the worse happen.

Take one minute to build your own coverage and check the price in a just few clicks. No personal data required.

What makes Roojai Critical Illness cover different?

We offer you the most modular and transparent Criticall Illness insurance on the market with several benefits, such as:

Why will Roojai Personal Accident insurance fit your needs?
  • You can select one or more among our five coverages: cancer, mosquito-borne diseases, neurological illnesses, heart diseases, kidney failure.
  • Build your own coverage (benefits and sum insured) based on your budget.
  • You can get a cashless treatment in over 2000 Roojai network hospitals for mosquito borne disease.
  • Our cover is designed to offer high value for money and remain affordable for everyone.

*T&C apply.

The Roojai Promise: simple, affordable, and reliable

Getting covered, renewing and claiming is just a matter of a few minutes! Enjoy 24/7 control over your policy and claims with a few clicks on MyAccount on our website. Roojai is 100% online and designed to maximize customer satisfaction. That is why we are rated 4.9/5 by our 120,000 customers in Thailand!

Critical Illness Insurance FAQs*

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

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

  2. 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. 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.

    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.
  4. 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.

  5. 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
  6. Yes we do, you can split your premium payment into 12 months instalments to suit your budget requirements.

  7. 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.

  8. 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!

  9. 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:
    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.

  10. 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.

  11. 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.