3. Any form of suicide attempt.
4. Engaging or taking part in a flight except for a commercial passenger aircraft with regular flight schedule.
5. Car or motorbike racing, winter sports (skiing and the like), mountain climbing, horse riding with obstacles,
air sports (parachuting and the like) and any activity or work that is classified as high-risk activity.
6. Pregnancy, abortion, or childbirth.
7. Poisoning is caused by food or drink, or by inhalation or ingestion of elements or chemical substances.
8. War, terrorism, Strike, Riot, Civil Commotion (SRCC), piracy, kidnapping, and being injured or died while
carrying out military duties.
9. Intentional criminal or illegal acts by the Policyholder.
10. Any dangerous activities or work, or work related to heavy or dangerous machinery, for example: Military
duties being carried out by the Insured, workers in ship deck dockers, workers in mining, fighter aircraft
operators, lorries, warehousing workers, people whose work is directly related to the process of drilling,
underground construction or in mineral refineries, people directly related to underwater construction, or
working in seafront areas, divers or drivers of submarines or boats, people directly related to oil and gas
drilling earth, production and refining thereof, people who work in industrial areas, people whose work is
directly related to bullets or other explosives, professional sports athletes, cabin employees of airlines who
are on duty or in-flight hours, sailors who are on navigation duties.
10. Requirements
10.1. The minimum Prospective Policyholder age is 18 years old.
10.2. Minimum Prospective Insured entry age is 1 month old.
10.3. Policyholders are required to fill out and approve the application form for term life insurance with the actual
information and conditions.
11. Customer Complaint Procedures and Services
11.1. Policyholders can submit the complaint to the head office / marketing office of PT Asuransi Simas Jiwa
during office hours from Monday-Friday, 08.00-17.00 local time or can contact the call center: 021 - 2854
7999, or e-mail: cs@simasjiwa.co.id.
For more information related to customer complaint service procedures, you can access the website
www.simasjiwa.co.id on the Service menu.
11.2. The company does not charge fees for the consumer complaint service.
12. Simulation
● Insured Name : Edeng
● Sex : Male
● Type Plan : Plan Go-Car
● Total Premiums : Rp 1000. - (one thousand rupiah)
● Sum Assured : Rp 350,000,000, - (three hundred and fifty million rupiah)
● Premium Payment Period : Single/Lump Sum
● Insurance Period : 1 (one) trip (March 8, 2021 09:00 WIB - March 8, 2021 09:45 WIB)
If the Insured requires medical treatment by a doctor or hospitalization due to an accident, the Insurance Benefit
of this product is to replace the cost of medical treatment / hospitalization up to Rp. 7,000,000, - (seven million
rupiah)
If the Insured should become permanently disabled in consequence of an accident, the insurance benefit from this
product for permanent disability compensation is a maximum of Rp. 350,000,000, - (three hundred and fifty
million rupiah)
If the Insured immediately dies due to an accident during the insurance period and causes the Insured to die, the
insurance benefit from this product is Rp. 350,000,000 (three hundred and fifty million rupiah).