On 30 January 2020, the World Health Organization (WHO) declared a global health emergency for COVID-19 and on 11 March 2020, WHO declared COVID-19 a pandemic. Therefore, some losses caused by or due to COVID-19 are not considered unexpected, unknown or unforeseeable and may not be covered under the terms and conditions of this insurance policy.

If you previously purchased an insurance policy, the facts and circumstances surrounding your trip and the terms, conditions and exclusions of your policy will determine the extent of coverage for COVID-19-related claims. 

Please note the following highlights of what IS covered:

  • Overseas Medical Expenses if you contract COVID-19 while traveling internationally (up to IDR 2,400,000,000).
  • Travel Cancellation before departure for non-refundable travel and or accommodation expenses if you or your Relative* contract COVID-19 before your scheduled trip departure date (up to IDR 60,000,000)
  • Travel Curtailment for non-refundable trip costs and additional travel expenses to return to Indonesia if you or your Relative* contract COVID-19 while traveling internationally (up to IDR 60,000,000).
  • Emergency Medical Evacuation & Repatriation of Mortal Remains if you contract COVID-19 while traveling internationally

*Relative, as defined in the Policy.

What IS NOT covered under the policy under any circumstance:

  • Travel Cancellation due to disinclination to travel, change of mind, or fear of travel due to COVID-19.
  • Travel Cancellation or Travel Interruption due to epidemic/pandemic-related advisories issued by governments, health authorities or the World Health Organization, by or for destination country or origin country, advising against non-essential travel.
  • Travel Cancellation, Travel Interruption or Travel Curtailment resulting from border closures, quarantine or other government directives.
  • Travel Cancellation if an airline, hotel, travel agent or any provider of travel and/or accommodation has offered a voucher or credit for cancellation refund.
  • Quarantine that is mandatory for all arriving passengers or a quarantine mandate that exists for passengers from a particular country / region of origin.
  • Travel Interruption for any costs incurred for quarantine after you return to Indonesia.

The policy also provides Assistance Services and the following are also available with your policy:

  • Assistance with booking medical appointments, accommodations or return flights to Indonesia if you are denied boarding due to fever or other medical concern.
  • Assistance with booking medical appointments, accommodations or return flights to Indonesia if you are denied entry to another country due to fever or other medical concern.
  • Assistance with booking medical appointments, accommodations or return flights to Indonesia when you are medically cleared to fly if you feel ill during your international trip.