Syarat pengajuan klaim 25 menit terdiri dari :
-Kuitansi asli dan sah atas biaya perawatan
-Perincian biaya perawatan
-Kuitansi pembelian obat
-Copy resep obat
-Kuitansi pemeriksaan laboratorium /  pemeriksaan penunjang diagnostik dengan hasilnya
-Perincian pemerikasaan laboratorium / pemeriksaan penunjang diagnostik
-Resume medis
-Pengajuan klaim dengan nominal hingga Rp 10.000.000,- (sepuluh juta rupiah).
 

Apabila dokumen pengajuan Anda diterima lengkap oleh Walk In Customer Service kami sebelum jam 10.30, maka akan pembayaran akan dilakukan keesokan harinya maksimal pukul 17.00. Pengajuan yang kami terima lebih dari pukul 10.30 akan kami berlakukan sebagai pengajuan regular.

Produk unit link adalah produk investasi yang mengkombinasikan antara fungsi proteksi dan fungsi investasi.

Dana investasi Anda dapat dipantau melalui :

• Telepon ke contact centre di nomor 1-500-045.
• Melalui customer portal, yang dapat diakses melalui website ini pada Portal → Customer Portal.
• Melalui layanan SMS Centre dengan mengetik SMS dengan format : SALDO [spasi] nomor polis dan kirim ke 0811117626.
• Datang langsung ke Pusat Informasi atau BNI Life Customer Centre , daftar lengkap bisa diakses di Kontak → Hubungi Kami.

Rumus untuk menghitung perkembangan dana invetasi Anda adalah:

“Total Jumlah Unit Investasi x Harga Unit yang Berlaku”

Contoh:

• Jumlah Unit                : 9.457,3115
• Harga Unit berlaku   :  Rp 2.234,2114
• Maka Nilai Investasi :  9.457,3115 x Rp 2.234,2114 = Rp 21.129.633,1666

Anda dapat melakukan perubahan polis dengan cara:

• Datang langsung ke Pusat Informasi atau BNI Life Customer Centre , daftar lengkap bisa diakses di Kontak → Hubungi Kami.
• Kantor Cabang BNI terdekat dan Kantor Pemasaran BNI Life, daftar lengkap bisa diakses di Kontak → Tenaga Pemasaran dan Kontak → Kantor Pemasaran.
• Dengan membawa Polis Asli, Kartu Identitas yang masih berlaku, Buku Tabungan, dan data pendukung atas data yang ingin diubah.

Unit Link merupakan suatu portofolio investasi yang terdiri dari berbagai macam investasi pada surat berharga. Naik turunnya harga unit tersebut disebabkan oleh harga pasar yang berlaku.

Anda bisa melakukan penarikan sebagian nilai tunai dengan cara 

• Pengajuan Pinjaman Nilai Tunai. Adapun persyaratannya sbb:

1. Peminjaman polis bisa dilakukan apabila polis asuransi sudah memiliki nilai tunai dan status polis dalam keadaan aktif.
2. Dana maksimal yang bisa dipinjam adalah 80% dari total nilai tunai dan besarnya bunga ditentukan oleh PT BNI Life Insurance.
3. Mengisi formulir pengajuan pinjaman polis, copy buku tabungan dan fotocopy identitas yang berlaku.

• Pembatalan polis dapat dilakukan dan Anda akan mendapatkan Nilai Tunai yang telah terbentuk (jika ada). Adapun persyaratannya sbb:

1. Mengisi formulir pengajuan pinjaman polis, copy buku tabungan dan fotocopy identitas yang berlaku.

Pemegang polis dan ahli waris dapat dirubah selama terdapat Insurable Interest (kepentingan dalam asuransi) dengan tertanggung. Akan tetapi tertanggung  tidak dapat diubah.

- Persyaratan pengajuan klaim Rawat Inap / Rawat Lahir :

• Formulir pengajuan klaim Reimbursement
• Kwitansi Asli (biaya dokter/obat/pemeriksaan Laboratorium).
• Resume Medis yang dikeluarkan rumah sakit.
• Perincian biaya perawatan.
• Copy resep (jika ada).
• Copy hasil lab (jika ada).

- Persyaratan pengajuan klaim Rawat Jalan :

• Formulir pengajuan klaim Reimbursement.
• Kwitansi Asli (biaya dokter/obat/pemeriksaan Laboratorium).
• Form Rawat Jalan yang diisi oleh dokter yang merawat atau diagnose medis yang diberikan dokter yang merawat.
• Copy resep (jika ada).
• Copy hasil lab (jika ada).

- Persyaratan pengajuan klaim Kaca Mata :

• Formulir pengajuan klaim Reimbursement.
• Kwitansi Asli (biaya dokter/optik), apabila harga kacamata lebih dari Rp 1 juta maka optic wajib memberikan kwitansi bermeterai.
• Form Rawat Jalan yang diisi oleh dokter yang merawat (jika ada).
• Ukuran lensa dari dokter dan optik.

Anda dapat melakukan pengecekan dengan mengakses customer portal anda yang bisa diakses pada laman home pada website ini. Adapun pembayaran klaim dilakukan dengan bank transfer ke rekening payroll pegawai.

Untuk pengajuan klaim peserta yang status klaimnya di pending, artinya ada berkas yang belum dilengkapi pada saat pengajuan klaim pertama. Supaya dapat segera diproses pembayarannya maka segala kelengkapan klaim yang diminta harus dilengkapi.

Bisa, dan prosedur ini dinamakan Coordination of Benefit (COB). Apabila BNI Life sebagai penjamin pertama, maka Anda cukup mengisi Form Permintaan Coordination of Benefit, dan kami akan memproses permintaan Anda begitu tagihan dari RS/Klinik atas perawatan terkait kami terima.

Sebaliknya jika ada ingin mengklaimkan kelebihan tagihan perawatan dari Asuransi lain kepada BNI Life. Anda cukup menyerahkan surat COB yang diterbitkan asuransi lain kepada BNI Life, dan kami akan memproses nya sesuai benefit Anda.

Syaratnya sebagai berikut :

• Mengisi formulir pengajuan Optima Cash Plan (OCP)
• Copy resume medis / surat keterangan dari RS berstempel dan tanda tangan dokter yang merawat , yang berisi:

1. Tanggal perawatan yaitu tanggal masuk dan tanggal keluar RS
2. Diagnosa medis

Anda dan pasangan mendapatkan benefit kesehatan santunan harian rawat inap sampai dengan saldo Optima Group Saving Anda habis.

Bisa, dengan syarat  sebagai berikut:

• Peserta datang langsung ke Walk-In Customer BNI Life dan Kantor Layanan BNI Life (jika diwakilkan   olehpasangan yang terdaftar / keluarga, diwajibkan membawa kartu kepesertaan).
• Nominal penggantian klaim / jumlah santunan ≤ 10 juta.
• Dokumen yang diterima lengkap dan tidak memerlukan verifikasi lebih lanjut (termasuk pengecualian polis).
• Mengisi formulir klaim 27 menit.
• Nomor rekening Inhouse BNI atas nama peserta.

BNI Life telah bekerja sama dengan lebih dari 1500 rekanan Rumah Sakit dan Klinik di seluruh Indonesia.  Anda dapat melihat daftar rekanan provider BNI Life secara lengkap dan update di website dengan meng klik Layanan → Directory.

Sangat mudah, Anda cukup menunjukkan kartu peserta Anda pada saat sebelum berobat  kepada petugas administrasi Rumah Sakit/Klinik, dan petugas akan memproses penjaminan pengobatan Anda sesuai alur dan benefit yang tersedia.

Anda bisa melakukan klaim reimburse jika melakukan pengobatan pada dokter/klinik/RS yang belum bekerjasama dengan Admedika. 

Adapun syarat klaim reimbursement adalah sebagai berikut:

- Persyaratan pengajuan klaim Rawat Inap / Rawat Lahir :

• Formulir pengajuan klaim Reimbursement.
• Kwitansi Asli (biaya dokter/obat/pemeriksaan Laboratorium).
• Resume Medis yang dikeluarkan rumah sakit.
• Perincian biaya perawatan.
• Copy resep (jika ada).
• Copy hasil lab (jika ada).

- Persyaratan pengajuan klaim Rawat Jalan :

• Formulir pengajuan klaim Reimbursement.
• Kwitansi Asli (biaya dokter/obat/pemeriksaan Laboratorium).
• Form Rawat Jalan yang diisi oleh dokter yang merawat atau diagnose medis yang diberikan dokter yang merawat.
• Copy resep (jika ada).
• Copy hasil lab (jika ada).

- Persyaratan pengajuan klaim Kaca Mata :

• Formulir pengajuan klaim Reimbursement.
• Kwitansi Asli (biaya dokter/optik), apabila harga kacamata lebih dari Rp 1 juta maka optic wajib memberikan kwitansi bermeterai.
• Form Rawat Jalan yang diisi oleh dokter yang merawat (jika ada).
• Ukuran lensa dari dokter dan optic.

Bisa, Persyaratan klaim 25 menit dapat diproses adalah sebagai berikut:

• Perusahaan dalam keadaan aktif dalam system BNI Life.
• Rekening penerima manfaat yang terdaftar di sistem adalah rekening karyawan/bukan rekening perusahaan.
• Peserta/keluarga datang sendiri ke Walk In Centre/Service Support .
• Jumlah pengajuan < Rp 10 juta/pengajuan.
• Klaim yang dapat diproses adalah klaim Rawat Inap, Rawat Jalan, Rawat Gigi, One Day Care/Surgery, Rawat Melahirkan dan Kacamata.
• Dokumen klaim lengkap, mengikuti persyaratan klaim  pada asuransi kesehatan kumpulan.

Berkas klaim akan dibayarkan 10 (sepuluh) hari kerja sejak klaim diterima lengkap oleh Kantor Pusat BNI Life Insurance.

Anda dapat menghubungi HRD perusahaan tempat almarhum/mah bekerja atau datang ke datang langsung ke BNI Life Customer Care yang daftarnya bisa anda lihat pada website ini dengan meng klik Kontak → Hubungi Kami dan scroll kebawah.

Adapun syaratnya adalah :

• Akta Kematian.
• Kartu Keluarga.
• KTP Almarhum/mah dan Ahli waris.
• Copy buku tabungan.
• Polis asli.

Anda bisa menghubungi call centre kami di 1-500-045 untuk mengetahui status pengiriman buku polis.

Anda dapat melihat pada buku polis yang anda terima atau jika kurang jelas dapat :

• Menghubungi 1-500-045.
• datang langsung ke BNI Life Customer Care yang daftarnya bisa anda lihat pada website ini dengan meng klik Kontak → Hubungi Kami dan scroll kebawah

1. BNI Life Mobile “Application” is an electronic media owned by PT BNI Life Insurance “BNI Life”.

2. For this Application BNI Life shall change the contents of Application without giving notification to the Participant/Policy Owner/Sales Force formerly.

3. BNI Life will not be responsible for the disadvantage of the Participant or the Insured who uses this Application, with the result that the use of this Application is completely the risk of Participant/Policy Owner/Sales Force.

4. BNI Life has the right to block or suspend an Application account of Participant/Policy Owner/Sales Force at any time if it is reasonably necessary.

5. The Participant/Policy Owner/Sales Force agreed to use the Application properly and hold harmless BNI Life from a responsibility for negligence which caused by the Participant/Policy Owner/Sales Force.

6. Participant/Policy Owner/Sales Force guarantees the documents or information given to the BNI Life when using the application are the correct.

7. BNI Life if necessary shall takes any legal action if BNI Life find out that Participant/Policy Owner/Sales Force make efforts that could harm BNI Life.

1. Claim applies only for Reimbursement

2. Claim applies only for Optima Group Health product

3. Maximum submission of claim is IDR 5,000,000

4. Claim through BNI Life Mobile can be done at any time with the following conditions:

a. Claim submission process will be done during operational hours from Monday  to Friday, 08.30-17: 00 WIB, excluding National Holidays.

b. SLA of Claim Process :

Claim will be processed with maximum SLA in H+4 working days after the customer receives a notification informing that the         document has been received by BNI Life Mobile 

c. Claim Payment :

Claim payment made by transfer to the destination Bank Account Number that already registered in membership data of BNI Life

5. Other Bank Account Number that used for claim payment will be cleared by following the payment’s role of each bank

6. Claim Notification status will be sent to inbox of BNI Life Mobile and auto sent email to the company's PIC  (Person In Charge)

7. If you need further information, please contact BNI Life Call Center at:

- Telephone number 1-500-045

- Faximile (021) 2953 9998

- Email care.eb@bni-life.co.id

Privacy Policy

1. Your Security and Privacy is the priority of BNI Life Insurance “BNIL”. BNIL concern that providing online information need huge trust from you and thus our priority to ensure the security and confidentiality of your submitted personal data “Personal Data”.
   
   We will only collect required and relevant Personal Data for the transaction, manage, and save Personal Data as long as required by the law or such information still relevant with the initial purpose of Personal Data collection.
   
   While using BNIL mobile application, you’re as the user will be listed in our log. By submitting Personal Data to BNIL through BNIL mobile application, then you are agree on the submission, use, and disclosure of your personal information in accordance with this Privacy Policy.

2. The Data We Collect from You
   1. When you are using our mobile application, Personal Data that we collect are including but not limited to :
      1. User Profile, among others, including but not limited to username, e-mail address, phone number, password and address. This Data will be collected when account making process and renewal.
      2. User participation data, not limited to the date of birth, gender, age, active participation date, participation number, bank account (bank name, branch, account number, and account name), claim record and insurance benefit owned;
      3. Detail transaction data, among others, including but not limited to type, number and/or information from product or services that you buy, delivery address, payment procedure that used, transaction nominal, transaction date and time. This Personal Data will be collected when using the mobile application;
      4. The use of our product and service, on each date of maintenance, claim completeness documents and including whether the claim is paid or not (and any details related to this claim process); and/or
      5. Access permission to User device when using the features on the mobile application.
         
         
   2. When you are using BNIL mobile application, recorded personal data are including but not limited to :
      1. Real data location or prediction like IP address, Wi-Fi location and geo-location;
      2. Data in the form of time on each user activity, including registration, log in and transaction;
      3. Usage data or user preference, among others user interaction when using mobile application, option that you save, and selected setting. Data will be obtained using cookies, pixel tags, and similar technology that create and maintained unique identification.
      4. Device data, such as the type which used to access mobile application, including hardware model, operating system and its version, software, file name and its version, choice of language, unique device identifier, advertisement identifier, serial number, device movement information, and/or mobile network information.

3. Data usage.
   We may use or combine all or half of data that we obtained, collected, and recorded from User as mentioned in the previous section for anything, including but not limited to:
   1. Process all kind of request, activity as well as transaction conducted by user from mobile application, including for the purpose of product delivery to user.
   2. Providing features to give, implement, maintain and improve our product and service, including but not limited to:
      1. Offers, obtain, provide, or facilitate claim submission service from mobile application;
      2. Provide and facilitate provider registration service, nearest provider location and informs the available fare to provider;
      3. Provide and informs available insurance benefits for You;
      4. Provide and informs participant data for You;
      5. Provide and informs user regarding products, services, promotions, study, survey, news, latest updates, events and others from mobile application.
   3. Contact the user by, including but not limited to e-mail, letter, phone, fax, and etc, including but not limited, to help and/or complete the transaction process as well as claim settlement process.
   4. Using Personal Data for the purpose of research, analysis, development, and product testing, in order to enhance the security and safety of services on mobile application, and develop new features and products.

4. User’s Personal Data Disclosure.
   We guarantee that there is no sale, transfer, distribution or lend of your Personal Data to third party without prior written consent from you, unless in the conditions as follows:
   1. It is required that User’s Personal Data to be disclosed to partners or any third party who help BNIL in providing the service on mobile application and process any kind of User’s activity on mobile application, including but not limited to the process of transaction, verification, payment and delivery of product/service, request, activity and transaction conducted by the User through mobile application, including for the purpose of product delivery to User.
   2. There is communication required between BNIL business partners (such as logistic provider, payment, etc) with User in terms of constraint resolve and others.
   3. It is required for providing relevant informations to vendor, consultant, marketing partner, research firm, or similar provider.
   4. Provision of User information for BNIL affiliation to help providing service or conducting data processing for and on behalf of BNIL.
   5. In the effort to comply legal liability and/or there is valid request by the law enforcers including in the terms of dispute or legal proceedings between User and BNIL or any relevant third party.

5. Cookies
   1. Cookies is small file which automatically will take place in the User’s device that performs the function in saving preference and User’s configuration while visiting BNIL mobile application.
   2. The Cookies is not intended to be used while accessing the data belongs to User on User’s mobile device, beside from that has approved by User to be conveyed.
   3. Although User’s mobile device will automatically accept cookies, User may determine the choice to conduct modification through User’s application settings that is through choosing to deny cookies (this choice may limit the optimal service while accessing mobile application).
   4. We may use features provided by third party in order to improve service and BNIL content, including among others are adjustment and advertising serving to each Users based on interest and history of visit.

6. Storage and deletion of Personal Data
   We will save the data as long as User’s account is remain active and may conduct deletion in accordance with the prevailing law.
   
   
7. Privacy Policy Update.
   We may at any time conducting change and updates towards this Privacy Policy. We suggest for the User to read carefully and check this Privacy Policy page from time to time to find out any changes.
   
   By remain accessing and using mobile application, then User shall be deemed agree with any changes of the Privacy Policy.

8. Your consent by using BNIL mobile application, you admit and realized that you has read and understand this Privacy Policy and agree for collection, management, and storage of your Privacy Policy by Us as stated in this Privacy Policy. You also give the rights, power, and authority to BNIL to use your Personal Data in accordance with the provision stated herein.

9. Give Authority to BNIL with substitution rights to verify the information which given to any party and obtain all notes and information regarding User’s personal and health condition from Doctor, Clinic, Hospital, Puskesmas, insurance company, legal entity, government institution, individual or other organizations. If the information data and any changes given by User evidently is incorrect, then BNIL hereby declare that we are not responsible for any consequences may occur in relation with providing information and improper changes and User is subject to the provision of Policy.

1. BNI Life Mobile “Application” is an electronic media owned by PT BNI Life Insurance “BNI Life”.

2. For this Application BNI Life shall change the contents of Application without giving notification to the Participant/Policy Owner/Sales Force formerly.

3. BNI Life will not be responsible for the disadvantage of the Participant or the Insured who uses this Application, with the result that the use of this Application is completely the risk of Participant/Policy Owner/Sales Force.

4. BNI Life has the right to block or suspend an Application account of Participant/Policy Owner/Sales Force at any time if it is reasonably necessary.

5. The Participant/Policy Owner/Sales Force agreed to use the Application properly and hold harmless BNI Life from a responsibility for negligence which caused by the Participant/Policy Owner/Sales Force.

6. Participant/Policy Owner/Sales Force guarantees the documents or information given to the BNI Life when using the application are the correct.

7. BNI Life if necessary shall takes any legal action if BNI Life find out that Participant/Policy Owner/Sales Force make efforts that could harm BNI Life.

(i)  Buku Polis

(ii) Polis elektronik (e-Policy)

(i)    Ketentuan Umum

(ii)   Ketentuan Khusus

(iii)  Ikhtisar polis

(iv) Surat Pengajuan Asuransi Jiwa (“SPAJ”)

(v)  Ketentuan Tambahan (jika ada)

(vi) Perubahan polis (endorsement)

Polis akan dinyatakan berlaku jika Premi telah dibayarkan dan pertanggungan dinyatakan setuju oleh BNI Life

e-policy akan dikirimkan melalui link, yang wajib diunduh paling lambat 90 hari setelah pengiriman link polis pada WA, SMS atau email Pemegang Polis

COP adalah masa mempelajari polis selama 15 hari kalender sejak polis diterima

1. Ikhtisar Polis
2. Manfaat Asuransi
3. Prosedur Pengajuan Klaim

If within 7 working days the consumer has not received the goods, please contact BNI Life Shop Customer service at +62 811-1967-0919 by including your full name and active telephone number.

Shipping costs depend on the delivery area and the weight of the merchandise ordered

If the goods sent to consumers are damaged, defective or lost, please contact BNI Life Shop Customer service at +62 811-1967-0919 for follow up.

Orders that have already been paid for cannot be canceled.

If you have complaints about merchandise or service products, please WhatsApp BNI Life Shop Customer Service +62 811-1967-0919.

Shop BNI Life offers a variety of merchandise that can be viewed through social media (Facebook, Instagram, Website).

You can contact BNI Life Shop Customer Service via WhatsApp at +62 811-1967-0919, Monday to Friday, 09.00 – 14.00 WIB.

Payment by transfer to BNI Branch Menteng No. Account 0184250212 in the name of PT. BNI Life Insurance.

Shipment will be processed after payment has been made.

For payment confirmation after 14.00 WIB, the shipment will be processed the next day.

A 25-minute claim is a customer claim process with a nominal submission of up to IDR 10 million (ten million rupiahs). Customers can submit claims and disbursement of claim funds can be directly received by transfer in just 25 (twenty-five) minutes. This service can be enjoyed by BNI Life group health insurance participants. The terms and procedures for claiming 25 minutes are as follows:

Terms of claim submission 25 minutes:
• Claims submitted are a maximum of IDR 10,000,000 per submission,
• Submissions must be submitted by participants (not represented) to the Walk-In Customer Care/Service Office/Service Point BNI Life. Claim service hours for 25 minutes are 08:00 – 15:00 WIB after that the claim will be processed the next day,
• If the claim file received is complete, it does not require further completion, if it still requires completeness or further analysis, it will be processed regularly.
• Mandatory claim payment to participant's account

25 minutes claim submission procedure:
• Complete and sign the claim submission form, (available at Walk-In Customer Care/Service Office/Service Point)
• Attach original/legalized copy of a receipt,
• Attach a copy of the policyholder's ID (KTP, SIM, or Passport),
• Attach details of costs during treatment and details of operating costs (If surgery is performed during treatment),
• Attach a copy of the drug prescription,
• Attach a medical resume / medical supporting data that has been filled out completely and clearly,
• Attach a copy of the results of laboratory examinations or other supporting examinations (including the results of supporting examinations). (Such as laboratory, x-ray, etc.) , if any

BNI Life Mobile claim is a claim submission process that can be submitted using the BNI Life Mobile application with a nominal submission of up to IDR 5,000,000 (five million rupiahs). The terms and procedures for claiming BNI Life Mobile are as follows:

Conditions for submitting BNI Life Mobile:

• The customer first downloads the BNI Life Mobile application on the play store or app store
• Then register the policy number by confirming the customer's mobile number and email address by making sure the writing of the mobile number of the email address is active.
• Claims submitted are a maximum of IDR 5,000,000 (five million rupiahs) per submission,
• Claim payments are made 4 (four) working days from the successful submission of a claim at BNI Life Mobile with a popup notification showing "Your claim submission has been sent, please be willing to wait".
• For accounts for claim payment purposes outside BNI, following the clearing process will apply and follow the clearing provisions of the destination bank

BNI Life Mobile application procedure:

• Take a photo of the claim document that will be submitted (documents cannot be taken from the gallery/file)
• Taking photos of claim documents for each requirement can be done with a maximum limit of 15 (fifteen) photos.
• Attach original/legalized copy of the receipt,
• Attach a copy of the policyholder's ID (KTP, SIM, or Passport),
• Attach details of costs during treatment and details of operating costs (If surgery is performed during treatment),
• Attach a copy of the drug prescription,
• Attach a medical resume / medical supporting data,
• Attach a copy of the results of laboratory examinations or other supporting examinations (including the results of supporting examinations).

One Day Claim Payment (ODCP) is a special service for BNI Life Mobile users with claim submissions up to IDR 500,000 (five hundred thousand rupiahs). Customers can submit claims through BNI Life Mobile Apps and disbursement of claim funds can be directly received via transfer in just 1 (one) day. This service can be enjoyed by BNI Life group health insurance participants. The ODCP provisions and procedures are as follows:

Conditions for submitting a ONE DAY CLAIM PAYMENT (ODCP) claim:

•  Claims submitted for a maximum of IDR 500,000 (five hundred thousand rupiahs) per submission,
• Submissions must be submitted through BNI Life Mobile a maximum of 10.00 WIB after which the claim will be processed for payment on the next working day.
• For accounts for claim payment purposes outside BNI, following the clearing process will apply and follow the clearing provisions of the destination bank.
• If the claim file received is complete, it does not require further completion, if it still requires completeness or further analysis, it will be processed pending.

Fast Claim is a claim process for individual health customers with a nominal application of up to Rp 100 million (one hundred million rupiahs). Customers can submit claims and disbursement of claim funds can be directly received by transfer in just 1 (one) day. This service can be enjoyed for BNI Life individual health insurance participants. The terms and procedures for the Fast Claim claim are as follows:

Conditions for submitting claims for Fast Claims:
• Claims submitted are a maximum of IDR 100,000,000 per submission,
• Receipt of documents at 08.30 WIB to 11.00 WIB will be processed the same day, for documents received after 11.00 WIB will be processed on the next working day,
• Submission of claims in the form of Hard copy,
• For the claim file received is complete without further verification,
• Payment of mandatory claims to the Customer's account.

Procedure for submitting Fast Claims:
• Complete and sign the claim submission form,
• Attach original/legalized copy of the receipt,
• Attach a copy of the policyholder's ID (KTP, SIM, or Passport),
• Attach a copy of the passbook for payment of claims,
• Attach details of costs during treatment and details of operating costs (If surgery is performed during treatment),
• Attach a copy of the drug prescription,
• Attach medical resume/medical supporting data,
• Attach a copy of the results of laboratory examinations or other supporting examinations (including the results of supporting examinations).

Withdrawal of funds outside the due schedule / policy benefits cannot be carried out, because it must be in accordance with the schedule stated on the policy. However, if the customer needs funds, they can apply for a policy loan.

A policy loan is a loan from the cash value formed in the customer's policy with the amount of 80% of the cash value formed. This policy loan must be repaid within 12 months/1 year with an interest of 1% per month, if more than the specified time will be subject to compound interest.

BNI Life has collaborated with more than 1500 Hospital and Clinic partners throughout Indonesia. You can see a complete list of BNI Life provider partners and updates on the website by clicking Services → Directory

You get daily benefits if you are hospitalized according to the number of days of hospitalization multiplied by the daily benefits listed on your participant card