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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 100 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 50 million of coverage from as low as IDR 21,000 a month.
Choose from a range of cover options, from IDR 50 million to IDR 100 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.
You can choose a sum insured (coverage amount) typically ranging from IDR 50 million up to IDR 100 million for each individual critical illness product such as heart attack, stroke, or cancer insurance on MyOONA.id.
Yes. You can purchase multiple critical illness policies from Oona (or other insurers) even for the same condition — as long as you meet health eligibility requirements. Each policy may pay out independently upon claim.
Depending on the policy terms, you may be able to adjust your coverage amount at renewal or by purchasing an additional policy — but this depends on underwriting and product rules. Always review the specific product terms on MyOONA.id for details.
Yes. You can purchase each critical illness product separately with up to IDR 100 million coverage per product, so you could potentially have IDR 100 million for heart attack, IDR 100 million for stroke, and IDR 100 million for cancer insurance as separate protections.
Yes. MyOONA.id offers both standalone critical illness products and a combined “Big 3” critical illness policy that covers all three conditions in one plan if you prefer bundled protection.
You can buy critical illness insurance online through MyOONA.id by selecting the product you want, answering a few simple health declaration questions, choosing your coverage amount, and completing your payment — all without a medical examination.
Yes. Oona’s critical illness insurance provides a fixed cash payout upon diagnosis of a covered condition (such as heart attack, stroke, or cancer). It is designed to complement existing health insurance — so you can claim the lump sum benefit from Oona even if you have another health or critical illness policy.
To make a claim, you typically need to notify Oona after diagnosis and submit required medical documents. Once approved, you receive a one-time lump sum payment equal to your chosen coverage amount, providing financial support for treatment and recovery costs. (General industry principle; check specific policy wording for full details.)
No. You can apply for Oona’s critical illness insurance online without undergoing a medical examination, just by answering a few straightforward health questions during the application.
Yes. You can buy Oona’s critical illness product even if you have an existing policy from another insurer. Having multiple critical illness policies is permitted, and you may be able to claim benefits under each one if the conditions are met.
In most cases, the lump sum payout from a critical illness policy is non-taxable and paid directly to you upon diagnosis, meaning you can use it freely for medical bills, daily expenses, or recovery needs. (Tax treatment may vary by jurisdiction; always consult a tax advisor.)
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