Zurich Optima Health Assurance (ZOHA)

Comprehensive Health Insurance Solutions for Your Precious Life

As the lifestyle of modern society improves, the need for optimal and comprehensive medical services also increases. Zurich understands that each individual has different health protection needs.

Zurich Optimal Health Assurance (ZOHA) is a health protection solution that can provide you with the medical care you need, so you can get back to work and continue to be active.

ZOHA ADVANTAGES

PROVIDES PROTECTION FOR MEDICAL TREATMENT COSTS OF UP TO IDR 40 BILLION* PER YEAR.

ZOHA provides reimbursement of medical treatment costs according to the plan you choose with an Annual Benefit of up to IDR 40 billion.

6 CHOICES OF BENEFIT PLANS TAILORED TO YOUR HEALTH NEEDS.

ZOHA provides 6 Plans to suit your needs; Plan Nusantara, Plan NusantaraPro, Plan NusaPlus, Plan AsiaLite, Plan Asia, and Plan Global.

PREMIUM DISCOUNT FOR YOU THAT ALWAYS KEEP HEALTHY LIFESTYLE

Premium discount up to 25% for you that always keep healthy lifestyle.

COVERAGE FOR YOUR MEDICAL CARE WORLDWIDE**

ZOHA gives you access to the best medical care in various parts of the world according to the available Plan, also equipped with cashless facilities for treatment in Indonesia, Malaysia, and Singapore.

TREATMENT OUTSIDE OF COVERAGE AREA

ZOHA allows to do treatment outside of coverage area according to the Plan you choose.

SHORT WAITING PERIOD FOR SPECIFIC ILLNESSES

ZOHA provides waiting period of 90 days only for specific illnesses.

HOSPITAL CASH PLAN

ZOHA provides Hospital Cash Plan if the treatment done by another insurer.

ADDITIONAL OPTION FEATURES AVAILABLE: OPTIMAL

Optimal choice features for those of you who want to have ideal health protection with more affordable premiums. If you want peace of mind on the cost of Health care, including for critical illness care even though you are covered by other Health Insurance, ZOHA offers Optimal Option features that provide convenience and can complement your current Health Insurance.

Notes:
* According to the Annual Benefit Plan option you choose, refer to the Zurich Optimal Health Assurance Benefit Table
** Except the United States, Based on the applicable provisions in the Policy.

Criteria	Information
Insured entry age	30 days - 70 years old (last birthday)
Policyholder entry age	18 - 99 years old (last birthday)
Coverage period	Until the police anniversary when the insured age reaches 100 years old
Insurance Premium	Premiums are calculated based on age, gender, and Plan selected
Currency	Rupiah