More coverage for less

Complement your BPJS

Get better medication or treatment covered without paying out of your own pocket.

Daily cash benefits

If prolonged hospitalisation disrupts your income, Hospital Cash Cover provides you with daily cash benefits of up to Rp250.000 if you get hospitalised.

Affordable monthly payments

With low rates starting from Rp9.9K a month, you can also conveniently make auto-payments with your OVO Cash.

For annual payments you can use a debit / credit card or virtual account transfer

Purchase SiJi Health 1 insurance (“Hospital Cash Cover”) now and get GrabCar, GrabBike or GrabFood promo codes (“Promo Codes”) worth up to Rp30K! 

Valid for purchases made from 18 August – 7 November 2020. T&Cs apply*

Your premium benefits with Hospital Cash Cover ​

Payment mode OVO Cash

UnderwriterPT Asuransi Simas Jiwa

 Plan APlan BPlan C
Daily Hospital CashRp 150.000
(Max 60 days)
Rp 200,000
(Max 60 days)
Rp 250,000
(Max 60 days)
Daily ICU RoomRp 300,000
(Max 30 days)
Rp 400,000
(Max 30 days)
Rp 550,000
(Max 30 days)
Surgery Cash BenefitRp 1,500,000
(Per year)
Rp 2,000,000
(Per year)
Rp 2,500,000
(Per year)
Follow up care
(Reimbursement benefit)
Rp 300,000
(Per hospitalization)
Rp 400,000
(Per hospitalization)
Rp 500,000
(Per hospitalization)
Waiting Period – General Diseases, Specific Diseases30 days
Waiting Period – AccidentsImmediate
Minimum Hospitalization24hrs

Hospital Cash Cover Pricing Tiers​

Age Annual Premium (IDR)*
Plan A Plan B Plan C
6 months – 23 y.o 99.900 132.000 165.000
24 y.o – 34 y.o 217.000 289.000 361.000
35 y.o – 45 y.o 293.000 391.000 489.000
46 y.o – 54 y.o 399.000 532.000 665.000
55 y.o – 60 y.o 493.000 657.000 821.000
Age Monthly Premium (IDR)*
Plan A Plan B Plan C
6 months – 23 y.o 9.900 13.200 16.500
24 y.o – 34 y.o 21.700 28.900 36.100
35 y.o – 45 y.o 29.300 39.100 48.900
46 y.o – 54 y.o 39.900 53.200 66.500
55 y.o – 60 y.o 49.300 65.700 82.100

Terms & Conditions

1. During the Promotion Period, customer who signs up for:
  • Annual Payment option (12 cumulative months) will receive 3 x Rp10k worth of Promo Codes.
  • Monthly Payment option will receive 2 x Rp5k worth of Promo Codes.
2. Each customer shall fulfill the following criteria:
  • the customer shall purchase Hospital Cash Cover during the Promotion Period;
  • the customer shall have a successful payment and complete 14 days of sign-up for the Annual Payment option; and /or
  • the customer shall have a successful payment on three consecutive payment of the Monthly Payment option (“Criteria”)
3. The Promo Codes will be awarded within 21 days after the completion of the Criteria, and will be issued via Grab’s in-app messenger.
4. The Promo Codes shall apply to all GrabCar, GrabBike or GrabFood orders in Indonesia only. The Promotion cannot be used in conjunction with other incentives and promotions offered by Grab.
5. Each customer shall be entitled to one Promo Code per Annual and Monthly payment option only.
6. The Promo Codes shall expire on 28 Feb 2021.
7. The Hospital Cash Cover is an insurance product underwritten and distributed by PT. Asuransi Simas Jiwa (“Simas Jiwa”) to all Grab users via the Grab App. PT. Asuransi Simas Jiwa is registered and supervised by Otoritas Jasa Keuangan (OJK).
8. The Promotion is sponsored by Grab. Grab reserves the right to suspend or terminate the Promotion, or vary any terms and conditions herein, at any time by notifying you once such suspension, termination, and/or amendment to any of the terms and conditions herein has taken into effect.
9. The Promotion will not affect or vary any term of Hospital Cash Cover’s policy wording (“Policy Wording”). In the event of any conflict or inconsistency between this Terms & Conditions and the Policy Wording, the Policy Wording shall prevail. Please refer to the Policy Wording for the full details of all benefits, terms and exclusions that are applicable to Hospital Cash Cover.
10. To the fullest extent permitted by law, Grab and Simas Jiwa shall not be liable for any claim, loss or damage whatsoever incurred directly or indirectly due to the Promotion.
 

FAQs

This plan is only eligible for Indonesian Residents, defined as Indonesian citizens, KITAP holders, or KITAS holders. You must be between 18 and 60 years old to purchase a policy and insured members must be between 6 months and 60 years old. You have to agree to the health declaration if you are buying for yourself, your spouse, your parents, your siblings, or your child.
No, individuals insured under Hospital Cash Cover must pass the health declaration before purchasing the insurance. All information provided in the application must be accurate, true, and complete. Otherwise, PT Asuransi Simas Jiwa has the right to decline your claims or reject your coverage
Yes, you may register for Hospital Cash Cover with pre-existing conditions as long as the disease has been declared healthy at least 12 months before insurance is applied.
Yes, you may purchase for your spouse, your siblings, your parents, and your children.
Protection only applies in Indonesia
Coverage begins on the day your purchase is successful.

Payments will be deducted from your OVO Cash. Please ensure that your OVO Cash is linked to the Grab app and you have sufficient balance. For more information on how to use OVO Cash, please visit here.

You will only receive a refund if you cancel the insurance membership within the first 14 days of policy purchase given that no claims were submitted. Refunds will be sent to your bank account.
You are given a 30 day grace period to make payment. We will try to automatically deduct the balance from your OVO Cash. If the payment is successful, your plan will remain active for the following period. If payment is unsuccessful for 30 days, then we will terminate your plan and coverage will end for you and your family. Keep in mind that if you want to purchase another policy after termination, you’ll need to go through the waiting period again.
The waiting period is 30 days. You cannot submit a claim 30 days before the policy goes into effect, except for accidents.
You can make a claim by contacting PT Asuransi Simas Jiwa customer service at: Email: cs@simasjiwa.co.id WhatsApp: +62 882-1245-7999 Call Centre: 021-2854-7999
Once all required documentation is submitted, it will take 14-30 working days for you to receive your payment.
Your coverage details will be available in your Grab application by navigating to “Insurance” > “My Plans” > “Hospital Cash Cover.”
Within the app, you can cancel by navigating to “Insurance” > “My Plans” > “Hospital Cash Cover” > “Cancel Policy.” Keep in mind that if you want to purchase another policy after termination, you’ll need to go through the waiting period again.
After your insurance policy expires, you must repurchase the insurance policy.
Within the Grab app, you can get a copy of your e-policy by navigating to “Insurance” > “My Plans” > “Hospital Cash Cover” > “Email e-policy”

If you have a question that is not answered in the FAQ, you can fill out this form and someone from our team will get back to you.

The Hospital Cash Cover is an insurance product underwritten and distributed by PT. Asuransi Simas Jiwa (“Simas Jiwa”) to all Grab users via the Grab App. PT. Asuransi Simas Jiwa is registered and supervised by Otoritas Jasa Keuangan (OJK).