A Real Step to Protect Your Finances from the Risk of Critical Illness
Salam Healthier Future Assurance (SHIFA) – Essential is a Sharia-based health insurance product that provides health protection when diagnosed with one of 4 (four) major Critical Illnesses: stroke, cancer, cardiovascular disease, and kidney failure. The protection provided includes inpatient, outpatient, and post-treatment recovery benefits. This product offers 4 (four) options that can be tailored to your needs, with annual coverage amounts and coverage areas adjusted accordingly, namely Indonesia and Asia (excluding Hong Kong, Japan, and Singapore).
Key benefits
How This Product Helps
Andi, 45 years old, a family breadwinner and active worker, took SHIFA Essential a year ago to ensure that he and his family remained protected from unexpected health risks.
When he suddenly suffered a heart attack, Andi had to undergo intensive treatment through long-term recovery. With SHIFA Essential protection, he received benefit support to help cover hospital costs, follow-up treatment, and rehabilitation.
With this support, Andi could focus more on his recovery process without being overly concerned about the financial burden, allowing him to return to his activities and be there for his family.
Dita, 40 years old, a working mother, chose SHIFA Essential as additional protection beyond the insurance she already had.
When she had to undergo treatment for heart disease, part of the costs had already been covered by another insurance company or policy? With SHIFA Essential, Dita continued to receive additional benefits, helping reduce the cost burden so she could focus on recovery.
Rina, 38 years old, a working mother, chose SHIFA Essential to protect herself while providing peace of mind for her family.
Throughout the first year, she and her family remained healthy without making any claims. As a form of appreciation, Rina received additional benefits, allowing her to continue experiencing the value of the protection she owned.
FAQ
1. What is SHIFA Essential?
Sharia health insurance for protection against 4 major critical illnesses.
2. What illnesses are insured?
Stroke, cancer, heart and cardiovascular disease, and kidney failure.
3. What are the main benefits provided?
Inpatient care, outpatient care, post-treatment recovery, and additional benefits including no-claim benefits and death benefits due to critical illness.
4. Is there any additional benefit?
Yes, you may receive the Critical Illness Allowance Benefit if diagnosed with a covered Critical Illness. The benefit is provided at 50% of the approved maximum Hospital bill limit, less any claim reimbursement from Coordination of Benefits, if applicable.
5. Can it be used with other insurance?
Yes. If you have other insurance, SHIFA Essential benefits can still be provided through the Coordination of Benefits mechanism, by taking into account claims that have been paid by other insurance.
6. Where does the protection apply?
Protection applies in Indonesia and Asia according to the selected Plan, excluding Singapore, Hong Kong, and Japan.
7. Is there a benefit if the insured passes away?
Yes, a death benefit may be provided if death occurs due to one of the 4 covered Critical Illnesses: stroke, cancer, heart and cardiovascular disease, or kidney failure.
8. Is there a benefit if no claim is made?
Yes, in the form of an additional benefit as appreciation.
9. Does this protection cover all treatment costs?
Not all treatment costs are covered. SHIFA Essential benefits may cover inpatient care, outpatient care, and post-treatment recovery related to the 4 covered Critical Illnesses. Costs outside the Policy benefits, exceeding the benefit limits, or not related to the covered Critical Illnesses are not covered
10. Is there a waiting period?
Yes. A waiting period of 180 days from the Policy Effective Date applies before benefits for the 4 covered Critical Illnesses can be submitted.
11. How do I submit a claim?
Claims can be submitted by completing the documents required under the Policy. For convenience, you may submit claims through Sun Life digital channels such as the application or website, or through Sun Life service offices/customer service.
This product is Sharia insurance with benefits, fees/ujrah, terms, conditions, and exclusions set out in the Policy. To help you better understand the product benefits and provisions, we kindly ask you to read the Policy upon receiving it.
Information Terms & Conditions. More
No product campaign
