FAQ Chubb Smart Travel Shield

Yes, you can purchase policy for one way single trip by choosing premium according to estimate days of travel from your original place to airport at your destination place. Coverage shall terminate on the earlier of the following:

• 12.00 p.m. Western Indonesian Time on the expiry date of the Period of Insurance specified in the Certificate of Insurance; or
• for domestic trip: three (5) hours after your arrival at the destination airport.
  for overseas trip: the time you leave the airport at the destination country.

1. Insured Person and husband/ wife of insured person must be an Indonesian, Indonesian permanent resident, or holder of a valid (issued by the authorities in Indonesia) work permit, temporary or permanent stay permit, long term social visit pass, or student pass, and be at least eighteen (18) years of age up to eighty five (85) years of age on the effective date and/or upon renewal;
2. the Child(ren) must be an Indonesian, Indonesian Permanent Resident, or holder of a valid (issued by the authorities in Indonesia) temporary or permanent stay permit or student pass; at least fourteen (14) days of age and not more than eighteen (18) years old (or twenty-three (23) years old if studying full-time in a recognized tertiary institution) on the effective date; unmarried; and unemployed.

Pre-existing Condition(s) means any condition which you have reasonable knowledge of, in the twelve (12) months prior to the effective date of policy. You are considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

• You have received or are receiving medical treatment, diagnosis, consultation or prescribed drugs; or
• medical advice, diagnosis, care or treatment was recommended by a Physician; or
• clear and distinct symptoms are or were evident; or
• its existence would have been apparent to a reasonable person in the circumstances.

No medical examination is required, but it should be noted that the Pre-existing Condition(s) are not covered by the policy.

Dental expense is covered by the policy only for the emergency dental treatment as a direct result of accident to sound natural teeth occurring during the period of insurance and the treatment must be given by a dentist. This benefit is applicable only when you are overseas.

Coverage under travel cancellation benefit is applied if you are forced to cancel your journey as the direct and necessary result of any of the following Specified Causes occurring within sixty (60) days for event (b), within thirty (30) days for events (c) and (d) and within fourteen (14) days for events (e) to (h) before the Scheduled Departure Date.

This coverage is effective only if the policy is purchased before you become aware of any circumstances which could lead to the disruption of your journey.

Specified Causes:

1. Your Death;
2. You are sustaining Bodily Injury or becoming ill, which in the opinion of a Physician causes You to be unfit to travel on a Scheduled Departure Date;
3. The death of Your Family Member or Travel Companion before the Scheduled Departure Date;
4. Bodily Injury or illness of Your Family Member or Travel Companion necessitating him/her to be Confined to a Hospital;
5. You or Your Travel Companion are required to be in Compulsory Quarantine on order by treating Physician only, or jury service, or are subpoenaed or hijacked;
6. Cancellation of scheduled Common Carrier services consequent upon Strike, Riot or Civil Commotion which is beyond Your control and this must be supported by travel advice from relevant authority;
7. Your residence in Indonesia becoming uninhabitable following fire, storm or flood occurring such that Your presence is required on the premises on the Scheduled Departure Date;
8. due to Natural Disasters at the Destination place which prevent You from commencing the Journey and this must be supported by travel advice from relevant authority.

In this case you are covered under the specific cause of item b) above, if the accident is not a part of the event excluded under the policy and in the opinion of a physician causes you to be unfit to travel on a scheduled departure date.

Coverage under travel cancellation benefit is applied if you are forced to cancel your journey as the direct and necessary result of any of the following Specified Causes occurring within sixty (60) days for event (b), within thirty (30) days for events (c) and (d) and within fourteen (14) days for events (e) to (h) before the Scheduled Departure Date.

This coverage is effective only if the policy is purchased before you become aware of any circumstances which could lead to the disruption of your journey.

In this case you are covered under the specific cause of item g) as stated under travel cancellation benefit, if the flood event causes your residence in Indonesia becoming uninhabitable so that your presence is required on the premises on the scheduled departure date, subject to terms and conditions of the policy.

Yes, Chubb is registered in the Schengen consulates in Indonesia.

Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Yes, all Indonesian citizens who are travelling to the European countries under the Schengen agreement need a travel insurance policy as a part of the requirements for Schengen Visa application. Please note, not all countries in Europe are under the Schengen agreement. For example the UK and Ireland are not part of the Schengen Visa arrangements.

We recommend Supreme or Ultimate Plans. Such plans meet with the Schengen Visa requirements. Just choose the most suitable plan for your needs.

Minimum benefit amount for medical expenses of EUR 30,000 Euros to meet the Schengen Visa requirements.

Yes, at your request, Chubb can refund the premium paid by you for single trip policy if your Visa Schengen application was declined by consulate. You need to provide written evidence that the consulate had declined your Visa Schengen application before your scheduled departure date. No premium refund for annual policy if your Visa Schengen application was declined by consulate. 

You can cancel your policy, with the following conditions:

• For single trip policy, you may cancel the policy at any time by giving written notice to Chubb. In the event the policy had already been issued by the time you give Chubb the cancellation notice, no refund of premium will be made to you.

• For annual policy, you may cancel the policy at any time by giving seven (7) days’ written notice to Chubb provided no claim has arisen during the current period of insurance. In the event of such cancellation, Chubb will apply a short rate refund.

Chubb can cancel your policy, with the following conditions:

• For single trip policy, Chubb may cancel the policy at any time by giving you notice in writing delivered to you or mailed to your last address as shown in our records, if you have breached any laws or the terms and conditions of the policy. In the event of such cancellation, no refund of premium shall be made.
• For annual policy, Chubb may cancel the policy at any time by giving seven (7) days’ notice in writing delivered to you or mailed to your last address as shown in our records stating when thereafter such cancellation shall be effective. In the event of such cancellation, Chubb will return promptly the pro-rata unearned portion of any premium actually paid by the you, after the deduction of administration and stamp duty cost. Such cancellation shall be without prejudice to any claim originating prior thereto.

Deductible of IDR 1,000,000 is only applicable for medical expenses due to sickness for domestic trip. No deductible applied for others benefit.