How can I buy Big 3 Critical Illness Insurance?

You can buy Big 3 Critical Illness insurance online with no medical examination, just by answering 4 health questions.

What is the maximum protection I can buy under Oona Big 3 Critical Illness Insurance?

Rp500 million is the maximum protection you can buy under Oona Big 3 Critical Illness Insurance.

Do I need to go for a medical check-up to buy Oona Big 3 Critical Illness Insurance?

No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.

Can I buy Oona Big 3 Critical Illness Insurance if I have a medical condition?

This depends on the type and severity of the medical condition you have or had. To determine your eligibility, please complete the health declaration as part of the purchase process.

When does my Big 3 Critical Illness Insurance cover start?

Your cover starts on the coverage start date as shown on the Policy Schedule. The Big 3 Critical Illness cover starts after a 90-day waiting period.

What’s the difference between Critical Illness Insurance and Health Insurance?

Critical illness insurance provides a lump-sum payment if the insured is diagnosed with one of the specific illnesses listed in the policy, such as cancer, heart attack, or stroke. Health insurance, on the other hand, offers broader coverage for medical expenses incurred from a wide range of health issues. It typically covers doctor visits, hospital stays, surgeries, paying directly to healthcare providers or reimbursing the insured for incurred medical expenses.

What are the symptoms of Cancer?

Cancer symptoms vary widely based on the type of cancer but can include: Unexplained weight loss, persistent cough or trouble breathing, difficulty swallowing, persistent indigestion or discomfort after eating, persistent, unexplained muscle or joint pain, unexplained bleeding or bruising, persistent fatigue, lumps or areas of thickening that can be felt under the skin, changes in the skin, such as jaundice, sores that do not heal, or changes to existing moles etc.

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Big 3 Critical Illness Insurance

When cancer, a heart attack or stroke hits, Oona’s got your back.

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

Get protected with Oona Big3 critical illness insurance.

But I’m healthy – why do I need Big 3 critical illness insurance?

The Big 3 critical illnesses are a Big Issue

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.

Cases are rising

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.

Medical costs are increasing

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.

So why is Oona Big 3 Critical Illness Insurance the right choice?

100% Payout for All Stages of Cancer, Heart Attack and Stroke

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.

Buy Online with No Medical Examination

Worried about questions and medical
checks? Don’t be!

You can apply online by answering 4 simple health declarations.

Flexible Length of Cover

Getting older? That’s no problem for your cover.

You can renew your Big 3 Critical Illness Insurance policy up to your 60th birthday.

Answer 4 simple questions to get your instant free quote

Download RIPLAY

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Male

Female

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Yes

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Date of Birth

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+62

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Please check the box to proceed

More Ways to Protect Yourself: Explore Our Standalone Critical Illness Insurance Plans Too!

Cancer

tick mark Covers all stages of cancer

tick mark No medical examination

tick mark 100% cash pay-out

Starts From

IDR 138,000 / year

Buy Now

Download RIPLAY

Stroke

tick mark No medical examination

tick mark 100% cash pay-out

tick mark Coverage options from IDR 100 mil to IDR 200 mil

Starts From

IDR 66,000 / year

Buy Now

Download RIPLAY

Heart Attack

No medical examination

100% cash pay-out

Coverage options from IDR 100 mil to IDR 200 mil

Starts From

IDR 71,000 / year

Buy Now

Download RIPLAY

Oona gives you...

Affordable premiums

Get IDR 50 million of coverage from as low as IDR 21,000 a month.

Multiple cover options

Choose from a range of cover options, from IDR 50 million to IDR 100 million.

0% Interest installment payment options

Option to pay in installments at 0% interest with leading credit cards, including BCA, Mandiri, BRI, BNI and others.

10% No-Claim Bonus for Renewal

Enjoy a 10% discount on your annual premium upon policy renewal if you make no claims throughout the term.

Extra Coverage for Your Health Insurance

Oona Big 3 Critical Illness Insurance works alongside your existing health insurance to provide extra protection.

Hear it straight from our satisfied customers

"The claims service is very fast. At the time of claim submission, the Work Order (Surat Perintah Kerja) is issued within 1 hour."

Edwin (Jakarta)

"Thank you as the claim process has been smooth and handled professionally."

Jiang - PT Matsugi Indonesia (Surabaya)

"I’ve proven it myself, OONA insurance is fast and hassle-free, claims are immediately approved"

Henry

View All

How to file a Claim for Big 3 Critical Illness Insurance

Step 1
Before you claim

Prepare and collate all the required documents and claim details for submission. Click here to see the required documents.

Step 2
Submitting the claim online

Fill out the online claim form and upload the required documents online. Make a Claim or Other Ways to File a Claim

Step 3
Track your claim

Claim result will be informed within 5 business days upon submissions of all required documents to Oona.

Got a Question?

Explore our FAQ page to find all the information you need.

View All FAQs

Can I make a claim under this critical illness product even if I already have another health insurance policy?

Answer: 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.
Questions: Can I make a claim under this critical illness product even if I already have another health insurance policy?
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How are claims processed for the critical illness insurance benefit?

Answer: 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.)
Questions: How are claims processed for the critical illness insurance benefit?
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Can I combine or bundle heart attack, stroke, and cancer insurance together?

Answer: 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.
Questions: Can I combine or bundle heart attack, stroke, and cancer insurance together?
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Can I purchase IDR 100 million coverage for each of the three products (heart attack, stroke, and cancer)?

Answer: 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.
Questions: Can I purchase IDR 100 million coverage for each of the three products (heart attack, stroke, and cancer)?
Sequence Id: 2
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How do I purchase heart attack, stroke, or cancer insurance online?

Answer: 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.
Questions: How do I purchase heart attack, stroke, or cancer insurance online?
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Is the payout from Oona’s critical illness insurance taxable?

Answer: 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.)
Questions: Is the payout from Oona’s critical illness insurance taxable?
Sequence Id: 9
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What is the maximum sum insured I can choose for heart attack, stroke, or cancer insurance?

Answer: 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.
Questions: What is the maximum sum insured I can choose for heart attack, stroke, or cancer insurance?
Sequence Id: 1
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Do I need a medical check-up to buy critical illness insurance with Oona?

Answer: 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.
Questions: Do I need a medical check-up to buy critical illness insurance with Oona?
Sequence Id: 7
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Can I increase my sum insured later after purchasing a policy?

Answer: 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.
Questions: Can I increase my sum insured later after purchasing a policy?
Sequence Id: 11
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If I already have critical illness coverage from another insurer, can I still buy Oona’s product?

Answer: 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.
Questions: If I already have critical illness coverage from another insurer, can I still buy Oona’s product?
Sequence Id: 8
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Can I buy more than one Oona critical illness insurance policy for the same condition?

Answer: 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.
Questions: Can I buy more than one Oona critical illness insurance policy for the same condition?
Sequence Id: 10
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Important Notes :

1. More than 396,000 people in Indonesia have cancer
- Globocan 2020 data.
2. Breast and lung cancer cases will go up by 63% by 2030
- WHO-Cancer Indonesia Country Profile
3. Health costs in Indonesia are projected to increase by 13.6%
- Jakarta Post

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Why Do I Need It?
Right Choice?
Why Oona?
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Providing quality insurance services with leading partners

Big 3 Critical Illness Insurance

When cancer, a heart attack or stroke hits, Oona’s got your back.

But I’m healthy – why do I need Big 3 critical illness insurance?

The Big 3 critical illnesses are a Big Issue

Cases are rising

Medical costs are increasing

So why is Oona Big 3 Critical Illness Insurance the right choice?

100% Payout for All Stages of Cancer, Heart Attack and Stroke

Buy Online with No Medical Examination

Flexible Length of Cover

Answer 4 simple questions to get your instant free quote

More Ways to Protect Yourself: Explore Our Standalone Critical Illness Insurance Plans Too!

Cancer

Stroke

Heart Attack

Oona gives you...

Affordable premiums

Multiple cover options

0% Interest installment payment options

10% No-Claim Bonus for Renewal

Extra Coverage for Your Health Insurance

Edwin (Jakarta)

Jiang - PT Matsugi Indonesia (Surabaya)

Henry

How to file a Claim for Big 3 Critical Illness Insurance

Step 1Before you claim

Step 2Submitting the claim online

Step 3Track your claim

Got a Question?

Can I make a claim under this critical illness product even if I already have another health insurance policy?

How are claims processed for the critical illness insurance benefit?

Can I combine or bundle heart attack, stroke, and cancer insurance together?

Can I purchase IDR 100 million coverage for each of the three products (heart attack, stroke, and cancer)?

How do I purchase heart attack, stroke, or cancer insurance online?

Is the payout from Oona’s critical illness insurance taxable?

What is the maximum sum insured I can choose for heart attack, stroke, or cancer insurance?

Do I need a medical check-up to buy critical illness insurance with Oona?

Can I increase my sum insured later after purchasing a policy?

If I already have critical illness coverage from another insurer, can I still buy Oona’s product?

Can I buy more than one Oona critical illness insurance policy for the same condition?

Important Notes :

Articles Related to Big 3 Critical Illness Insurance

Is BPJS Sufficient to Cover Critical Illnesses?

Avoiding Heart Attacks and Their Risk Factors

Heart-Healthy Foods: A Complete Guide to a Healthy Lifestyle

How Critical Illness Insurance Protects Your Savings

Step 1
Before you claim

Step 2
Submitting the claim online

Step 3
Track your claim