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With SmartTraveller, you and your family can have a comprehensive protection no matter where your travel destination leads you.
 
We understand completely that travelling is a means for happiness and we are here to make sure that your holiday is worry free and you can focus on enjoying what really matters: you and your loved ones.
 
We have a plan that suits your every needs, protection covering from personal accident, medical, dental and emergency medical assistance through to any travel inconvenience that may occur.

 

 

Frequently Asked Questions (FAQ)

Click to read / download our Frequently Asked Questions (FAQ) on SmartTraveller.

Section                                  Description
Worldwide
(USD)
Special
Asia
(USD)
  PERSONAL ACCIDENT   Platinum       Gold  
1. Personal Accident

This lump sum benefit is payable on the accidental death, loss of limb(s), eye (s) or permanent disablement from any occupation, which occurs whilst you are travelling.

100,000 35,000 25,000
2. Double in-Flight Coverage

The lump sum Benefit for Personal Accident is doubled if the accident occurs while travelling on a regular scheduled flight.

200,000 70,000 50,000
  MEDICAL, DENTAL and EMERGENCY MEDICAL ASSISTANCE      
3. Medical, Dental & Other expenses

Becoming ill or being accidentally injured whilst travelling away from your home country can be very expensive. SmartTraveller will reimburse you for medical, emergency dental, hospital, surgical and nursing home expenses, including traditional treatment incurred whilst travelling.

Deductible USD25

Medical Expenses in Indonesia

We will reimbursed medical expenses in Indonesia for a maximum period of 3 months medical treatment.

 
 
 
100,000

 

 

 

 

1,250

 

 
 
 
35,000

 

 

 

 

1,250

 
 
 
25,000

 

 

 

 

1,250

4. Repatriation of Mortal Remains

The cost of transporting the mortal remains back to Indonesia is paid under SmartTraveller.

 
 
7,500
 
 
3,500
 
 
2,500
5. Childcare and Compassionate Benefit

This pays for one relative or friend if required on medical advice to remain behind with or travel to or with you following your hospitalisation overseas. It also pays for one relative or friend to accompany your children back to Indonesia following your hospitalisation overseas.

 
 
 
3,000
 
 
 
3,000
 
 
 
3,000
6. Hospital Cash Allowance

This is a daily cash allowance for any Insured Person who is admitted to the hospital for more than 24 hours. Cover is for the 'inconvenience suffered' and is available for you to spend in any way you wish.

Maximum USD 25/days

Deductible USD25

 
 
 
 
500
 
 
 
 
500
 
 
 
 
500
7. Emergency Medical Evacuation and Repatriation

SmartTraveller has arranged with Global Assistance & Healthcare to provide you with its 24-hour worldwide emergency assistance service. The services provided by Global Assistance & Healthcare include medical advice, hospital admission and arrangement of compassionate visits, also monitoring of medical condition and medical expense guarantee, referral to doctors, hospitals, embassies, lawyers and interpreters. In addition SmartTraveller will reimburse you up to the selected amount for emergency medical evacuation and repatriation arrangements.

 
 
 
 
 
40,000

Family 50,000

 

 
 
 
 
 
40,000

Family 50,000

 
 
 
 
 
40,000

Family 50,000

  TRAVEL INCONVINIENCE      
8. Baggage and Personal Effects

Loss of or damage to your personal luggage including contents and articles worn or carried during your journey are covered up to the limit shown in the policy certificate.


Deductible USD25

1,500

Maximum USD 300 any one item/set

Maximum USD 500 for Laptop

1,500

Maximum USD 300 any one item/set

Maximum USD 500 for Laptop

1,500

Maximum USD 300 any one item/set

Maximum USD 500 for Laptop

9. Travel Documents

This is a reimbursement for the cost of obtaining replacement passports, travel tickets and other relevant travel documents up to USD 150.

Deductible USD25

 
 
 
300
 
 
 
300
 
 
 
300
10 Baggage Delay

If your baggage is delayed for more than 12 hours due to mishandling by the airlines or hijack, SmartTraveller will reimburse expenses incurred for emergency items such as clothing or toiletries.

 
 
 
 
500
 
 
 
 
500
 
 
 
 
500
11. Personal Liability

SmartTraveler cover you against personal Legal Liability to Third Parties for bodily injury or property damage together with associated legal costs and expenses, due to your negligence arising during your journey.

 
 
 
150,000
 
 
 
135,000
 
 
 
125,000
12. Travel Delay

You may claim the cash benefit amount shown in the policy certificate for each 12 hour period that the aircraft, train or sea vessel on which you have arranged to travel is delayed due to events beyond your control. Should you choose to re-route, your cost of cancellation charges and any additional cost including accommodation will be reimbursed

 
 
 
500

(50/12 hours)

 
 
 
500

(50/12 hours)

 
 
 
500

(50/12 hours)

  Cancellation due to trip delay.
Deductible USD25
2,000 2,000 2,000
13. Loss of Deposits

This is the reimbursement of any irrecoverable prepaid deposit if it is necessary and unavoidable for you to cancel your trip within 30 days prior to your trip.

Deductible USD25

 
 
 
3000
 
 
 
3000
 
 
 
3000
14. Trip Curtailment

You will be reimbursed for the prepaid and unused part of your journey if you have to curtail your trip due to reasons beyond your control up to the limit stated in policy schedule.

Deductible USD25

 
 
 
2,500
 
 
 
2,500
 
 
 
2,500
15. Flight Misconnection

This is to reimburse any expenses incurred for additional accomodation, meals or refreshment incurred due to flight misconnection.

 
 
200
 
 
200
 
 
200
16. Hijacking

If your conveyance is hijacked, SmartTraveller will pay a daily cash benefit for delay or interruption to your journey.

1,000

(50/24 hours)

1,000

(50/24 hours)

1,000

(50/24 hours)

17. Household cover

We will reimburse by payment or at its option by reinstatement or repair against physical loss or damage to the contents based within the residence of the Insured in Indonesia that was left vacant because of the Insured person trip, caused by fire during the period of insurance, but only after the Insured Person has legally left Indonesia.

 
 
 
 
5,000
 
 
 
 
No
 
 
 
 
No
18. Own Risk of Rental Vehicle

We will reimburse the Insured person for any or deductible which Insured person becomes legally liable to pay in respect of loss or damage caused by an Accident to the rented. The Insured person must be either as a named driver or passenger of the rental vehicle.

 
 
 
250
 
 
 
No
 
 
 
No
19. Golfing Equipment Cover

This section will cover
a. Loss of or damage to your golf equipments
b. Entertainment cost if the insured win the
    hole-in-one competition.

 
 
 
250
200
 
 
 
No
 
 
 
No
20. Terrorism

This section will cover claim of section 1 - 19 due to terrorism act during your trip.

 
 
Yes
 
 
Yes
 
 
Yes
 
 
 
                PERIOD
                                 WORLDWIDE
 
  Special Asia (USD)
          Platinum (USD)           Gold (USD)
  Individual Family Individual Family Individual Family
1 - 4 days 12 18 9 15 4 10
5 - 6 days 21 33 15 24 7 20
7 - 8 days 32 48 24 36 12 30
9 - 10 days 39 59 29 45 18 39
11 - 15 days 43 68 37 57 23 50
16 - 20 days 55 84 40 60 30 58
21 - 25 days 63 95 43 65 35 63
26 - 31 days 70 105 46 71 38 69
Each Additional Week 10 20 8 12 6 10
Annual Policy 135 185 N.A N.A N.A N.A
 

Notes
Special Asia : Brunei, China, Hongkong, Kamboja, Laos, Macao, Malaysia, Myanmar, Philipina,
                        Singapura,Taiwan, Thailand, Vietnam, Timor Leste.

Single Trip : maximum for any one trip is 180 days
Annual Policy : maximum for any one trip is 60 days

 
The following is a summary of the main exclusions in the Policy, but please refer to your certificate of insurance for further details.
 
  • War, revolution, government acts, terrorism and sabotage (this Exclusion does not apply to passive risks). Passive risk shall be deemed to mean Insureds being killed or injured because they were
     accidentally in a place when an act of terrorism or strike, riot and civil commotions occurred.
  • Nuclear hazard.
  • Self-inflicted injury or illness.
  • Venereal disease, AIDS or AIDS related disease.
  • Alcoholism or drug abuse.
  • Any pre-existing conditions.
  • Racing, motor sport, mountaineering, pot-holing, underwater activities or other hazardous pursuits and flying as a pilot or crew member, winter sports.
 
  • At the time of effecting this insurance you must be fit to travel and not be aware of any circumstances which could lead to cancellation or disruption of your planned journey.
  • Coverage is available to adults up to the attainment of 70 years of age on the date of departure.
  • A family means the Insured, spouse and dependant children over 1 years of age up to 19 years of ageor if full-time students up to a maximum of 25 years old.
  • No refund premium will be allowed once coverage under any section of the policy has become operative.
  • The maximum period of insurance for a single trip is 180 days and for annual policy is 60 days per trip.
  • One way cover is not available.
  • This policy can only be bought by Indonesia citizens or expatriates who have permanent resident permits or KITAS to stay in Indonesia.
  • The countries which is include in Special Asia are Brunei, China, Hong Kong, Cambodia, Laos, Macao, Malaysia, Myanmar, Philippine, Singapore, Taiwan, Thailand, Vietnam, Timor Leste.
  • The maximum for any one trip are
  1. Single Trip Policy : maximum for any one trip is 180 days
  2. Annual Policy : maximum for any one trip is 60 days

 

Service Assistance

24-Hours Alarm Centre : (62-21) 299 78999 (collect call)
Other telephone numbers:

  • Australia : 1800-352028
  • France : 0800-909825
  • Hong Kong : 800-901536
  • Singapore : 800-6211105
  • United States : 888-6564234

Get in Touch
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