Additional Clauses for CRITICAL ILLNESS
PROHIBITION ON DOUBLE INSURANCE CLAUSE
In accordance with Article 252 of the Indonesian Commercial Code, Participants are prohibited from having a second insurance with the Insurer on the same insurance object, within the same time period, with the similar risk, and with sum insured are fully insured in the first insurance, including in relation with the matters that covered in this Insurance Policy, and and for such occurrence will cause the second insurance to be void.
(Optional)
Mosquito-borne illnesses Extended Coverage Clause
It is hereby noted and agreed, this coverage is extended to the cashless benefits while hospitalized of medical expenses in Roojai network hospital, caused by Mosquito-borne illnesses covered under this policy. Limits of the Insurer’s liability as in the policy schedule.
For this benefit, it is valid for maximum 2 (two) events of Hospitalization and a maximum of 30 (thirty) days of treatment during the policy period or the period listed in the Policy Summary. Participants are entitled to inpatient compensation benefits if they have received treatment for at least 1x24 (one time twenty-four) hours at the hospital. A waiting period of 30 calendar days will apply to all claims of Mosquito borne illness.
Mosquito-borne illnesses means: Malaria, Dengue Haemorrhagic Fever, Chikungunya, Zika or Yellow Fever as defined in Definition.
DEFINITION
Notwithstanding anything to the contrary contained in the policy, it is hereby noted and agreed that for the purpose of this Coverage, then the definition used refer to:
1. MALARIA
a Diagnosis (including laboratory test confirmation) specifying that the Insured has Malaria.
2. DENGUE HAEMORRHAGIC FEVER
A Diagnosis (including laboratory test confirmation) from a Physician specifying that the Insured has Dengue haemorrhagic fever.
3. CHIKUNGUNYA
a Diagnosis (including laboratory test confirmation) from a Physician specifying that the Insured has Chikungunya fever.
4. ZIKA
a Diagnosis (including laboratory test confirmation) from a Physician specifying that the Insured has Zika virus.
5. YELLOW FEVER
a Diagnosis (including laboratory test confirmation) from a Physician specifying that the Insured has Yellow fever.
6. ACCIDENT shall mean a sudden, unintentional, unexpected, unusual, and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of bodily injury.
7. ANY ONE DISABILITY shall mean all of the periods of disability arising from the same cause including any and all complications there from except that if the Insured Person completely recovers and remains free from further treatment
(including drugs, medicines, special diet or injection or advice from the conditions) of the disability for at least ninety (90) days following the latest date of discharge and subsequent disability from the same cause shall be considered as though it were a new disability.
8. DISABILITY shall mean a Sickness, Disease, IIIness or the entire Injuries arising out of a single or continuous series of causes.
9. CONGENITAL CONDITIONS shall mean any medical or physical abnormalities existing at the time of birth, as well as neo-natal physical abnormalities developing within six (6) months from the time of birth. They will include hernias of all types and epilepsy except when caused by a trauma which occurred after the date that the insured was continuously covered under this Policy.
10. DAY shall mean the definition of a charging day adopted by the Hospital concerned.
11. DOCTOR OR PHYSICIAN OR SURGEON shall mean a registered medical practitioner qualified and licensed to practice western medicine and who, in rendering such treatment, is practicing within the scope of his licensing and training in the
geographical area of practice, but excluding a doctor, physician or surgeon who is the Insured Person himself.
12. HOSPITAL CONFINEMENT shall mean the Insured Person being duly registered and admitted as an in-patient in a Indonesian Hospital for more than twenty four (24) hours.
13. HOSPITAL refers to a registered institution under supervision of Physicians, established for the purpose of providing treatment and care of bed-paying sick or injury patients, and has facilities for:
1) Twenty-four (24) hours nursing services by registered and graduate nurses;
and
2) Diagnostic and major surgery.
A Hospital is not:
1) Primarily a clinic;
2) A convalescent, nursing or rest home;
3) A rehabilitation centre for alcoholics or drugs addicts; or 4) A home for the elderly or infirmed.
14. SICKNESS, DISEASE OR ILLNESS shall mean a physical condition marked by a pathological deviation from the normal healthy state.
15. INJURY shall mean bodily injury caused solely by accident.
16. POLICYHOLDER shall mean the person who has applied for this insurance from the Company.
17. INSURED PERSON shall mean the Eligible Person accepted by the Company as described in the Policy Schedule.
18. ELIGIBLE PERSON shall mean the insured person who are between eighteen (18) to sixty-five (65) years of age and who have been accepted by the insurer.
19. INTENSIVE CARE UNIT shall mean a section within the Hospital which is designated as an Intensive Care Unit by the Hospital and which is maintained on a twenty four (24) hour basis solely for treatment of patients in critical condition and is equipped to provide special nursing and medical services not available elsewhere in the Hospital.
20.OVERALL ANNUAL LIMIT shall mean benefits payable in respect of expenses incurred for treatment provided to the Insured Person during the period of insurance shall be limited to Overall Annual Limits as stated in the Schedule of Benefits irrespective of type/types of disability. In the event the Overall Annual Limit having been paid, all insurance for the Insured Person hereunder shall immediately cease to be payable for the remaining policy year.
21. PRE-EXISTING ILLNESSES shall be limited to deseases or injury which existed before the effective date of cover and for which the Insured Person should have reasonably been aware of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:
(a) the Insured Person had received or is receiving treatment;
(b) medical advice, diagnosis, care or treatment has been recommended;
(c) clear and distinct symptoms are or were evident; or
(d) its existence would have been apparent to a reasonable person in the circumstances.
22.REASONABLE AND CUSTOMARY CHARGES shall mean charges for medical care which is medically necessary shall be considered reasonable and customary to the extent that it does not exceed the general level of charges being made by others of similar standing in the locality where the charge is incurred, when furnishing like or comparable treatment, services or supplies to individual of the same sex and of comparable age for a similar sickness, disease or injury and in accordance with accepted medical standards and practice could not have been omitted without adversely affecting the Insured Person’s medical condition.
All costs that you claim must be:
• Reasonable, Customarily, and
• Necessarily incurred, for the medical services specified in the policy.
23.SURGERY shall mean any of the following medical procedures:
(a) To incise, excise or electrocauterize any organ or body part, except for dental services.
(b) To repair, revise, or reconstruct any organ or body part.
(c) To reduce by manipulation a fracture or dislocation.
(d) Use of endoscopy to remove a stone or object from the larynx, bronchus, trachea, esophagus, stomach, intestine, urinary bladder or urethra.
24.POLICY shall mean this agreement together with any endorsements therein, signed by the Company, the Policy Schedule attached here to and the application form of the Insured Person all of which shall constitute the entire contract between the parties.
25.PERIOD OF INSURANCE shall mean the period specified in the Policy Schedule.
26.WAITING PERIOD refers to the time the insured needs to wait until the coverage comes into effect. The waiting period is 90 days.
PROVISIONS
Notwithstanding anything to the contrary contained in the policy, it is hereby noted and agreed that for the pupose of this Coverage, then the provisions used refer to: