What is Covered
"Cash Free" group policy with Inpatient facility within Indonesia.
Also Outpatient and Specialist using "Cash Free" card
Types of Cover
Hospitalisation & Surgical (In-patient) Hospital accommodation, nursing care, drugs and dressings, surgeons' anaesthetists and physcians' fees, theatre charges, intensive care, pathology, X-rays, diagnostic tests, private nursing, ambulance
FULL REFUND up to Internal & Overall Limits (Compulsory)
Outpatient Cover, family doctor or GP, Specialist fees, pathology, X-rays, diagnostic tests, therapists and prescribed medicines
"Cash Free" using over 400 Provider Clinics throughout Indonesia, up to Internal Limits
90% Reimbursement up to Internal Limits for Non-providers (Compulsory)dMAC Affinity card
dMAC designed insurance
Minimum 10 Employees
Cash Free on-line system
No more claims - using the extensive Admedika Provider Network. 345 Inpatient - 457 Outpatient Providers throughout Indonesia
Your administration burden almost eliminated 
How Does the Card Work ?
• Member presents card to Registration at clinic/hospital
• Card swiped on EDC Terminal machine
• Receipt of Registration printed out
• Member see the doctor
• After seeing doctor - go to cashier
• Card swiped again. Print out of bill details
• Member signs the receipt
• Member goes home
Telephone Hotline supported 24-hours. 7 days a week. Phone in advance to arrange admission
You can seek treatment at Non-provider hospitals and clinics. However in this case you will have to pay first and lodge a claim.
Claims for Non-provider hopsitals reimbursed 100%
Claims for Non-provider clinics reimbursed 90%
PT Asuransi Winterthur Life Indonesia
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