Klaim 25 menit adalah pemrosesan klaim kesehatan untuk peserta asuransi kesehatan kumpulan, dimana pembayaran klaim akan dikirimkan ke rekening peserta dalam jangka waktu 25 menit setelah persyaratan klaim lengkap dan diproses oleh petugas kami.
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).
One Day Service adalah layanan cepat bagi nasabah BNI Life Insurance untuk nasabah yang memiliki polis individu yang melakukan transaksi sebagai berikut:
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.
Anda dapat memperoleh produk asuransi melalui:
Produk unit link adalah produk investasi yang mengkombinasikan antara fungsi proteksi dan fungsi investasi.
Dana investasi Anda dapat dipantau melalui :
Rumus untuk menghitung perkembangan dana invetasi Anda adalah:
“Total Jumlah Unit Investasi x Harga Unit yang Berlaku”
Contoh:
Anda dapat melakukan perubahan polis dengan cara:
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.
Untuk mengetahui jatuh tempo tahapan/manfaat polis, Anda bisa :
Anda bisa melakukan penarikan sebagian nilai tunai dengan cara
Pemegang polis dan ahli waris dapat dirubah selama terdapat Insurable Interest (kepentingan dalam asuransi) dengan tertanggung. Akan tetapi tertanggung tidak dapat diubah.
Anda dapat mengetahuinya setiap saat dengan sangat mudah melalui customer portal yang dapat diakses di website ini, pada homepage. Silahkan pilih portal lalu klik customer portal. Selanjutnya silahkan mengikuti instruksi step by step yang ada pada laman tersebut.
- Persyaratan pengajuan klaim Rawat Inap / Rawat Lahir :
- Persyaratan pengajuan klaim Rawat Jalan :
- Persyaratan pengajuan klaim Kaca Mata :
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.
Anda mendapatkan santunan harian apabila menjalani rawat inap sesuai jumlah hari rawat inap dikalikan dengan benefit harian yang tercantum dikartu peserta yang Anda miliki.
Syaratnya sebagai berikut :
Anda dan pasangan mendapatkan benefit kesehatan santunan harian rawat inap sampai dengan saldo Optima Group Saving Anda habis.
Bisa, dengan syarat sebagai berikut:
Anda dapat mengetahui nya setiap saat dengan sangat mudah melalui customer portal yang dapat diakses di website ini, pada homepage. Silahkan pilih portal lalu klik customer portal. Selanjutnya silahkan mengikuti instruksi step by step yang ada pada laman tersebut.
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 :
- Persyaratan pengajuan klaim Rawat Jalan :
- Persyaratan pengajuan klaim Kaca Mata :
Bisa, Persyaratan klaim 25 menit dapat diproses adalah sebagai berikut:
Berkas klaim akan dibayarkan 10 (sepuluh) hari kerja sejak klaim diterima lengkap oleh Kantor Pusat BNI Life Insurance.
Manfaat polis anuitas Anda dapat dibaca pada polis dan jika kurang jelas Anda dapat menghubungi HRD perusahaan atau datang langsung ke BNI Life Customer Care yang daftarnya bisa anda lihat pada website ini dengan meng klik Kontak → Hubungi Kami dan scroll kebawah.
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 :
Produk Telemarketing adalah produk perlindungan asuransi yang dipasarkan lewat oleh tenaga pemasar BNI Life lewat telepon. Anda tidak perlu direpotkan dengan berbagai macam administrasi, cukup dengan kata setuju dari Anda, maka otomatis Anda akan mendapatkan proteksi asuransi sesuai dengan penawarannya. Adapun untuk kenyamanan transaksi, pembicaraan Anda akan direkam sebagai dasar penutupan asuransi tersebut.
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 :
1. PT BNI Life Insurance “BNI Life” has the right to receive, reject and investigate the insurance claim documents that uploaded by the Participants or the Insured through the BNI Life Mobile “Application”.
2. In the event that BNI Life finds that the documents uploaded by the Participant or the Insured are false or not authentic or not in accordance with the policy, BNI Life has the right to reject the insurance claim and has the right to make other attempt to escalate into a more serious level.
3. If in the future the insurance documents that already uploaded by the Participants or the Insured and received by BNI Life are false or not authentic, accordingly the Participant or the Insured is obliged to return the insurance payment that have been paid by BNI Life and has the right to make legal remedies.
4. Based on a claim that submitted through the Application, BNI Life will process the claim in accordance with the applicable regulation in BNI Life.
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. 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.
Polis adalah akta perjanjian Asuransi antara pihak Penanggung dan Pemegang Polis pengalihan risiko dan syarat-syarat pertanggungan
(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
Estimated delivery of merchandise 7 working days (excluding Saturdays, Sundays, and public holidays).
For Papua and surrounding areas, it is estimated 10 working days (excluding Saturdays, Sundays and national holidays).
Make sure the shipping address is complete, including RT/RW, Kelurahan, Kecamatan and postal code and an active telephone number.
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:
BNI Life Mobile application procedure:
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:
• 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).
• Requirements can be viewed via the following link: https://www.bni-life.co.id/storage/formulirs/1561102799-1511095010-persaatan-pengajuan-klaim-asuransi-kesehatan.pdf
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).
Several services can be used to find out the maturity of the stages/benefits of the policy.
The customer (policyholder or the insured) can contact the call center service to find out information about the maturity of the stages/benefits of the policy.
The customer (policyholder or the insured) can send an email to care@bni-life.co.id by including complete personal data as stated in the policy, to find out the maturity stages/benefits of the policy
Live chat services can be accessed on the BNI Life website at www.bni-life.co.id, where customers will be served by customer service staff to find out the maturity of the stages/benefits of the policy. Customer portal services can be accessed on the BNI Life website at www.bni-life.co.id,
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.
It's very easy, you just need to show your participant card at the time before treatment to the Hospital/Clinic administration officer, and the officer will process your treatment guarantee according to the available flow and benefits.
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
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BNI Life berizin dan diawasi oleh Otoritas Jasa Keuangan.