Lippo Insurance: Products, Advantages & Disadvantages, How to Claim, etc
Lippo Insurance is a general insurance company that offers a variety of insurance products, ranging from health insurance, car insurance, to property insurance. Find out more about the following General Insurance Lippo, starting from the product, how to register, how to claim, to how to stop.
What is Lippo Insurance?
Lippo General Insurance, Tbk. is an insurance service provider company that has been operating since July 6, 1991. As a general insurance company, Asuransi Lippo presents a number of insurance products which include:
- Health Insurance
- Motor vehicle insurance
- Travel insurance
- Life insurance
- Property insurance
- Cargo insurance
- Miscellaneous insurance
Currently, Lippo Insurance, which is part of the Lippo Group, has branch offices spread across Jakarta, Cikarang, Karawaci, Bandung, Semarang, Solo Surabaya, Medan, Pekanbaru, Palembang, Balikpapan and a number of other big cities in Indonesia.
Lippo Insurance Products
Well, here are the various insurance products from Lippo Insurance that you need to know:
1. Health Insurance
Health insurance is one type of insurance owned by this provider. The health insurance products offered are:
- Prime Health Protection
- Medicare
- HealthPlus Family
- HealthPlus Business
- HealthPlus Micro
2. Group Insurance
There is also group health insurance, which is insurance intended for company employees. The group insurance products owned by General Insurance Lippo include:
- Health Insurance
- Life insurance
- Pension fund
3. Car Insurance
Car insurance is Lippo's insurance product which is intended to provide protection for cars, both personal and business. From various risks such as accidents, natural disasters, and damages caused by riots and so on.
There are 2 (two) kinds of benefits, namely:
- Comprehensive (All Risk)
- Total Loss Only (TLO)
4. Motorcycle Insurance
Considering that motorbikes are also prone to various risks, such as accidents to motorbikes being lost, General Insurance Lippo also offers motorbike protection insurance products with benefits including:
- Accident Cover
- Motor loss coverage of 75% of the market price (when the motor is lost for more than 60 days)
- Coverage for the cost of repairing motorcycle damage from a number of causes such as accidents, natural disasters, and riots
- Third party lawsuit coverage
5. Travel Insurance
For those who like traveling , Lippo General Insurance also has a travel insurance products. This insurance will provide a guarantee of protection to the policyholder during the trip, be it domestic or international travel.
Travel insurance products consist of:
- MyTravel Domestic
- MyTravel International
6. Accident Insurance
Accident insurance ( personal accident ) provides benefits in the form of cash compensation if the insured has an accident that results in permanent disability until death.
Specifically, the benefits of this insurance product include:
- Total permanent disability compensation
- Compensation for death
- Hospital care cost coverage
- Funeral expense coverage
7. Property Insurance
Property Insurance owned by Lippo General Insurance provides benefits in the form of coverage for the cost of repairing damage to home, apartment, or office property caused by natural disasters such as:
- Flood
- Earthquake
- Fire
8. Cargo Insurance
Another Lippo insurance product is cargo insurance. This type of insurance will provide protection against the risk of damage or loss of goods that are in transit, whether by land, sea, or air. This insurance is also commonly known as shipping insurance.
Cargo insurance from Lippo Insurance is suitable for those of you who are engaged in the business of exporters and importers, logistics, freight forwarders , and the like.
The conditions for being able to get cargo insurance benefits include:
- Items damaged or lost due to natural factors
- Goods are damaged or lost due to a problem or incident with the means of transportation
- Items damaged or lost due to crime
9. Miscellaneous Insurance
The miscellaneous insurance owned by Lippo Insurance is actually divided into two, namely Engineering Insurance and Miscellaneous Insurance. Both provide coverage benefits against:
- Loss of installation of heavy equipment
- Machine breakdown
- Golf equipment damage or loss
10. Microinsurance
Micro insurance is actually a health insurance product from Lippo Insurance. The difference is, this insurance has a more affordable premium. However, the scope of benefits you can get is even more limited.
Advantages of Lippo Insurance
Lippo insurance has a number of advantages that are important for you to consider. These advantages include:
- It is safer and more secure because it is under the auspices of the Lippo Group
- Amenities cashless and eBenefit application for benefit claims process easier and faster
- Expansion benefits called Prima Balance for vitamin and medicine refunds
- Premium return feature with profit sharing system (only for HealthPlus+ Micro products)
- Premium prices are affordable
Disadvantages of Lippo Insurance
- No pure life insurance
- No Sharia-based insurance
- Telemarketing agents often change
- Most insurance products are not accompanied by investment instruments
Lippo Insurance Membership Terms
If you are interested in becoming a Lippo Insurance customer, there are two requirements that must be met
- Complete the required documents (identity card etc.)
- Fill out the Lippo insurance membership registration form
How to Buy Lippo Insurance Policy
Buying Lippo Insurance policies can be offline or online. To be more practical, you are advised to buy online. You can compare Lippo insurance premiums that suit your needs through Risdosagala.com.
Not only Lippo Insurance, you can also find information on insurance products from other companies. That way, you can really find the most suitable insurance premium.
How to Pay Lippo Insurance Premium
Lippo Insurance premium payment depends on the type of insurance product purchased. There are several methods of paying Lippo Insurance premiums that you can choose according to your convenience.
How to Check Lippo Insurance Balance
If you are already a Lippo insurance policy holder, you can access ePolicy as a way to check Lippo Insurance balance. This ePolicy service has three advantages, namely:
- Make it easier to access policy status anytime and anywhere
- Make it easier to monitor the status of benefit claims
- Simplify the process of applying for a policy extension
How to Claim Lippo Insurance Benefits
If you want to claim Lippo insurance benefits, there are four ways you can do it, namely:
Through the e-Benefit application
Ask a telemarketing agent for help
Asking for help Customer Service
Come directly to the branch office
How to Quit Lippo Insurance
Well, maybe you who are already a Lippo Insurance customer want to close the policy. If yes, then some of the ways that can be done are as follows:
- Submitting a policy closure to a telemarketing agent
- Come directly to the branch office or head office
- Contact Lippo Insurance call center at (021) 525 6161
- Download the insurance cancellation form
- Fill out the form completely
- Return the police book
- Attach a photocopy of your ID card and savings book
- Paying administrative fees and so on (if charged)
After that, you just have to wait for the verification process by the insurance company for a maximum of 14 working days until the policy is successfully closed.
That's the information about Lippo Insurance that you need to know. Hope it is useful!
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