- Mortality Risk
- Critical Illness (CI) Risk
- Disability Risk
- Health Risk
- Personal Accident (PA)
- Group Coverage Risk
Mortality Risk
Life insurance products that cover the risk of death are life insurance products that guarantee insurance benefits provided in the event of death to the insured.
The mortality risk covered includes the risk of death that occurs due to natural cause/ disease, accidents (accidental cause), and the risk of death that occurs due to all causes.
Life insurance products that cover the risk of death can have a lifetime coverage period (whole life, limited to the age of 99 or 100 years) or a period of coverage for a certain period (term life).
Critical Illness (CI) Risk
Life insurance products that cover the risk of critical illness are life insurance products that guarantee insurance benefits will be provided if the insured suffers from a critical illness.
The type of critical illness that is guaranteed can be seen in every insurance policy. The diagnosis of any critical illness must be based on a doctor's confirmation with a reference based on the results of the insured's medical examination.
Today, there are various critical illness insurance products that cover various kinds of critical illness, from early stage critical illness, intermediate critical illness, late stage critical illness, to catastrophic critical illness.
Disability Risk
Life insurance products that cover the risk of disability are life insurance products that guarantee insurance benefits will be provided if the insured person suffers from an incapacity.
The inability that is guaranteed for this product can be in the form of total and permanent disability (TPD), partial disability, or temporary disability.
Health Risk
Life insurance products that cover health risks are life insurance products that guarantee compensation or reimbursement for treatment costs incurred by the insured while he/ she is being treated at a health facility.
The health care guaranteed in this product may include health care that occurs as a result of an illness or accident.
Guarantee of this product can be made by the provider using a cashless or reimbursement replacement.
Personal Accident (PA)
Life insurance products that cover the risk of accidents are life insurance products that guarantee insurance benefits will be provided if the insured person suffers from an accident.
In general, Personal Accident (PA) products are grouped into the following:
- PA products with risk A: provides insurance benefits in the event of death to the due to an accident
- PA product with risk B: provides insurance benefits in the event of permanent disability due to an accident
- PA products with risk C: provides insurance benefits in the event of temporary disability/ for a certain period of time due to an accident
- PA products with D risk: provide insurance benefits in the form of compensation/ reimbursement of treatment costs due to an accident
Group Coverage Risk
Group Coverage Risk is a life insurance product that covers risks that occur in a group. The risks covered to the insured of this group can be in the form of risk of death, accident, disability, or health.
The insured who is covered in this product are people who are included in a group registered by the policy holder. In this life insurance product, the insurance policy will be held by the policy holder, while a policy certificate or other form of membership (for example, an insurance card) will be held by each insured/ group member.
Life insurance coverage and health insurance that are provided by a company to employees and their family members as well as credit life insurance coverage, are examples of group life insurance products.
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