Get to Know AIA Insurance and How to Claim It

American International Assurance or commonly known as AIA is a health insurance company founded by Cornelius Vander Starr in Shanghai on December 19, 1919. AIA Insurance itself is the largest insurance company with an Asia Pacific market and now has a head office located in Hong Kong. Currently, AIA insurance has also been operating in 18 countries.

The 18 countries that have AIA insurance branches include Hong Kong, the Philippines, Asia Pacific, Taiwan, Lanka, Macau, China, Thailand, Indonesia, Singapore, New Zealand, Malaysia, Korea, Vietnam, Myanmar, Brunei, Cambodia and Australia.

According to the most recent data collected at the end of 2019, AIA insurance employs more than 23,000 people worldwide and provides insurance to more than 36 million individuals and 16 million groups. In 2009, AIA insurance became known in Indonesia for the first time. At the time, AIA insurance was rated 213 on the Fortune Global 500.

AIA Insurance in Indonesia

The Financial Services Authority (OJK) has even overseen AIA insurance, one of the well-known and commonly utilized life insurance products among Indonesians. Health insurance, life insurance, investment-related insurance, personal accident insurance, pension fund programs (DPLK), and employee welfare programs are just a few of the various products offered by AIA Insurance.

All of these things are often made available to the public through merchants, who employ more than 6,000 skilled and seasoned workers across various distribution channels. as Corporate Solutions (Pension and Employee Benefits), agency, and Bancassurance.

AIA insurance has its own advantages, namely having premiums that are not expensive for the people of Indonesia and has been trusted through the many awards that AIA insurance has won in Indonesia for this type of life insurance. Meanwhile, the drawback of insurance is that AIA itself does not have the option of pure health insurance or a type of health insurance specifically intended for health protection without having an investment.

In addition, there are several benefits if you have insurance such as:

1. Assist in Performing Financial Management

Insurance will help you in carrying out financial management in the form that if one day something happens and you have insurance, then the insurance can be used and your finances are not disturbed to pay for treatment or other things. Generally, health costs will be covered  in full or according to the policy you have.

2. Form Self Love in Yourself  

If you have life insurance, then you will also take care of your mental health because it can be a form of you caring and loving yourself to take care of yourself in the future.

3. Make an Investment for the Future

This is because life insurance is beneficial for health and finances both now and in the future. Of course having insurance will be your guarantee if something happens in the future and also saving which results can be used in the future.

4. Minimizing the Burden of Anxiety and Stress 

Why? Because insurance itself can benefit the mind and reduce the worst possibility that could happen. You can also get complete life insurance because insurance itself has several benefits such as accident benefits, hospitalization benefits, death benefits, critical illness benefits, and of course investment benefits.

In addition, there are several things that can affect the price of health insurance premiums at AIA. The following are factors that can affect the price of insurance premiums at AIA, namely:

1.  The price of the insurance premium will adjust to your medical history. If you already have a congenital disease, or are experiencing a serious illness, or have also experienced a serious illness, then the price of your insurance premium can be more expensive than usual.

2.  The price of insurance premiums also adjusts to your gender and age. If you are a 20 year old prospective customer, of course your insurance premium will be cheaper than other customers who are over 30 years old. Why? As you get older, there is a greater chance of getting sick.

3.  The price of insurance premiums adjusts how you live your life. If you have a lifestyle that likes smoking, extreme sports, or other things, then your insurance premium will be more expensive than usual because you have a higher risk of getting sick.

4.  The insurance premium price will of course also adjust to how much policy benefit you want to get. If you exceed basic benefits such as outpatient care, hospitalization and surgery, you will be charged an additional premium.

 

How to Claim AIA Insurance

The method of claiming AIA insurance is divided into 3, namely ODS and Inpatient Guarantee Claims ( Cashless ), Post Inpatient Guarantee Claims ( Cashless ) , and  Reimbursement Claims . Generally, ODS & hospitalization and post-hospitalization insurance claims will be assisted by the hospital. The following is how to claim replacement or reimbursement , namely:    

1.     You can fill out the Hospitalization Insurance Claim Form completely, clearly, and correctly, which form can be obtained at the 24-hour AIA Helpline, AIA office, or  downloaded  on the AIA  website  .

2.     Complete the claim requirements document by:

3.     Photocopy of a valid and valid identity card, as well as participant card.

4.     All original receipts for medical expenses and doctors, medicines, and others are original and stamped.

5.     The doctor's original diagnosis or insurance claim form filled out by the doctor which can be downloaded on the AIA  website  .

6.     A copy of the recipe.

7.     If it is caused by an accident, you can ask for an original statement from the police or authorities regarding the cause of the accident.

8.     Referrals and laboratory results/ultrasound/  X -rays /others.

9.     Medical data request authorization letter.

10.  If the claim form and all required documents are complete, then you can send them to AIA UP: Receiving Center section Claim lt. 8 AIA Central Building.