Most people have not considered the importance of

having health insurance protection. Nevertheless,

based on a survey taken by Towers-Watson Global
Medical on 2014, medical expenses in Indonesia have
witnessed increases of approximately 11% - 15% per
year. Imagine, what if something bad happened to you
when you don’t have any preparation yet. You will
Asuransi jeopardize your family’s life because of the high
medical expense.
X-Tra Flexi PProtect your health by choosing the best health
Bahagia insurance product. Sun Life Financial Indonesia
presents Asuransi X-Tra Flexi Bahagia for CIMB
Niaga clients. Besides medical expenses benefit, this
The right protection from Exclusive for
insurance product also gives no claim bonus and
CIMB Clicks
various health risks Customers death by accident benefit.

Benefits: Important Notes

• Compensation for daily care at the hospital • Asuransi X-Tra Flexi Bahagia is an insurance product of PT Sun Life
• Death by accident benefit Financial Indonesia that has been approved and recorded in the
• No claim bonus Financial Service Authority.
• PT Bank CIMB Niaga Tbk is not responsible for the risks that arise
from insurance products, including but not limited to the payment
Terms & conditions of claims to the customers and this product is not covered by the
• Entrance Age: government’s guarantee program.
• Children: 6 – 17 years • The offer of the product and the use of PT Bank CIMB Niaga Tbk’s
• Adult: 18 – 55 years logo are based on the approval of PT Bank CIMB Niaga Tbk and as
• Currency: IDR the realization of marketing cooperation in the business model of
• Policy period: Insurance period up to 65 years old. product distribution between PT Bank CIMB Niaga Tbk and PT Sun
• Premium payment frequency: monthly Life Financial Indonesia.
• Premium payment period: based on insurance period and annually • PT Sun Life Financial Indonesia is registered with and overseen by
updated up to 65 years the FSA.
• This document is not an insurance policy. This information is
prepared and made as concisely as possible by Sun Life Financial
Premium
Indonesia to provide an overview of the various insurance benefits
PLAN A PLAN B and terms of ownership of this insurance to product’s purchaser.
Monthly Premium The full terms can be read in the Policy.
Age 6-40 Rp173.000 Rp240.000
Age 41-50 Rp189.000 Rp264.000
Age 51-55 Rp232.000 Rp326.000 About Sun Life Financial
Benefit
Sun Life Financial is a leading international financial services organiza-
Daily Inpatient Rp400.000/day Rp800.000/day
tion providing a diverse range of insurance, wealth and asset manage-
Dies due to accident Rp200.000.000 Rp400.000.000 ment solutions to individuals and corporate clients. We operate in a
No Claim Bonus 25% of Premium 25% of Premium number of markets worldwide, including Canada, the United States,
(paid every 3 years) paid paid the United Kingdom, Ireland, Hong Kong, the Philippines, Japan,
Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and
Bermuda.
General Exclusion
a. War Our ambition is to be one of the best insurance and asset manage-
b. Suicide, and/or hurt themselves in any way ment companies in the world by helping our clients achieve lifetime
c. Carrying out dangerous and high-risk work financial security and live healthier lives.
d. Nuclear contamination, radiation or chemical warfare As of December 31, 2017, Sun Life Financial had total assets under
e. Use of Alcohol and / or drug abuse management of $944 billion. Sun Life Financial Inc. trades on the
f. Pregnancy, including childbirth, miscarriage, abortion, infertility and all Toronto (TSX), New York (NYSE) and Philippine (PSE) stock exchanges
the complications that occur because of it. under the ticker symbol SLF.
g. Unlawful acts or acts of crime or the criminal trial that directly or
indirectly by the policy owner, insured and / or Beneficiary under this
Policy. About Sun Life Financial Indonesia
Since 1995, PT Sun Life Financial Indonesia (Sun Life) has provided
clients with a comprehensive range of protection and wealth
How to File Your Claim management products, including life insurance, education insurance,
Fill and submit health insurance, and retirement plans. At Sun Life, our Purpose is
Obtain claim the form clear: to help our clients achieve lifetime financial security and live
form at the altogether with Claim is
processed healthier lives.
client service required
center office document
by Sun Life Every year, we have experienced significant growth in the markets we
operate in. We continuously improve our products and services to
meet the needs of our clients. Our advisors and employees have
worked tirelessly to gain the trust of our clients and we continue to
expand our business through agency (conventional and shariah) and
partnership distribution. Today we provide innovative products to our
clients through a network of 130 conventional and 58 shariah
marketing offices in 56 cities across Indonesia.

Life’s brighter under the sun PT Sun Life Financial Indonesia terdaftar dan diawasi oleh Otoritas Jasa Keuangan (OJK)