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With premiums starting at IDR 21,000 per month, you'll get 100% cash payout with coverage of up to IDR 300 million to use any way you need, so you can focus on getting healthy again without worrying about your bills.This insurance works alongside your existing health insurance to provide extra protection.
ENDS IN -
30% Discount
CINTA30
Cancer, heart attacks and strokes are the causes of 60% of deaths in Indonesia.
Big 3 Critical Illness Insurance covers all three, including early stage cancer.
Breast and lung cancer cases will go up by 63% by 2030, according to WHO data.*
Heart disease will impact 6 million people in Indonesia by 2024.
Health costs in Indonesia are projected to increase by a huge 13.6%.
That’s higher than inflation* - and your other living costs are rising too.
Got Big 3 Critical Illness Insurance? Great!
You get a 100% of your coverage amount in cash to help you with anything you need as you recover, even if you're already covered by another insurance policy. Oona Big 3 Critical Illness Insurance is designed to complement your existing health insurance, giving you added financial security.
Worried about questions and medical
checks? Don’t be!
You can apply online by answering 4 simple health declarations.
Getting older? That’s no problem for your cover.
You can renew your Big 3 Critical Illness Insurance policy up to your 60th birthday.
Get IDR 100 million of coverage from as low as IDR 21,000 a month.
Choose from a range of cover options, from IDR 100 million to IDR 300 million.
Option to pay in installments at 0% interest with leading credit cards, including BCA, Mandiri, BRI, BNI and others.
Enjoy a 10% discount on your annual premium upon policy renewal if you make no claims throughout the term.
Oona Big 3 Critical Illness Insurance works alongside your existing health insurance to provide extra protection.
Prepare and collate all the required documents and claim details for submission. Click here to see the required documents.
Fill out the online claim form and upload the required documents online. Make a Claim or Other Ways to File a Claim
Claim result will be informed within 5 business days upon submissions of all required documents to Oona.
Oona's Critical Illness coverage is comprehensive, but the definition of "critical" is precise. Coverage typically applies to Major cancer conditions, which are defined as malignant tumors characterized by the uncontrolled growth and spread of malignant cells.
Most policies will exclude certain Early Stage or less severe cancers (such as certain skin cancers or pre-malignant conditions) that do not yet meet the severity threshold defined in the policy document. We highly recommend reviewing your policy's definitions of "Major Cancer" and "Carcinoma-in-situ" to understand the specific covered stages.
The maximum age for policy renewal varies depending on the specific Critical Illness product you choose. Typically, Oona offers policy renewals up to the age of 60 years old. This ensures that you can maintain essential financial protection during your key earning years and into early retirement.
Please check the "Policy Term" section of your individual policy for the exact maximum renewable age, or consult with our digital support team for clarity on your specific plan.
The benefit for a Critical Illness claim is paid as a lump sum (one-time) cash payout directly to you upon the diagnosis and confirmation of a covered critical illness that meets the severity criteria defined in your policy.
This payment is made regardless of any payments you receive from other health insurance plans you may hold. The lump sum is designed to provide you with financial flexibility to cover costs like specialized treatment, daily living expenses, or income replacement during recovery, helping you manage the unexpected without financial worry.
Specific bonuses for never claiming, such as "No-Claim Bonuses" (NCB), are more commonly associated with motor insurance. Most Critical Illness policies, including those offered by Oona, do not typically include a No-Claim Bonus as a standard feature.
However, certain plans might offer features like "Return of Premium" (ROP) options, which, if you survive the full policy term without claiming, might return a portion of your total paid premiums. You should consult the specific features of your chosen plan to see if a premium return feature is included.
Yes, like all insurance products, there are necessary exclusions to ensure the policy remains viable. The most common exclusions that prevent CI claims from being paid include:
Pre-Existing Conditions: Illnesses or symptoms that were diagnosed, or for which medical advice/treatment was sought, before the policy's commencement or waiting period.
Waiting Period: Claims submitted during the initial waiting period (e.g., 90 days) after the policy start date.
Self-Inflicted Injury or Attempted Suicide.
Specific Illnesses: Conditions not listed in the defined list of covered critical illnesses.
Full details are provided in your policy wording, and we encourage all customers to review the exclusion section thoroughly.
Generally, yes. If you are legally residing in Indonesia with the necessary permits (such as a KITAS or KITAP) and meet all other underwriting criteria (including age and health status), you are typically eligible to purchase Oona's Critical Illness coverage.
The policy is designed to cover events occurring globally, but the policy contract itself is governed by Indonesian law. We ensure the application process is simple and digital for all qualified residents.
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