• Medicare Plan Participants may download and access the MyAdMedika application.
• Managed Health Care Participants may contact our Call Center for confirmation or reach out via WhatsApp Business at +62 811-8984-460.

• EMERGENCY
  1. Copy of Participant Card.
  2. Original receipt.
  3. Supporting documents (laboratory, radiology, etc.).
  4. Medical diagnosis.
  5. Medical resume from the attending physician or the hospital regarding the suspected illness.
  6. Copy of prescription.
  7. Emergency/ER stamp from the hospital (for emergency conditions).
  8. Copy of Participant’s bank account book.
• MATERNITY
  1. Copy of Participant Card.
  2. Birth certificate/statement from the hospital.
  3. Summary of maternity receipts with supporting documents.
  4. Medical resume and Maternal and Child Health (KIA) book.
  5. Supporting results and attachments (USG, laboratory, etc.).
  6. Reimbursement amount is subject to the applicable benefit package.
  7. Copy of Participant’s bank account book.
• EYEGLASSES REIMBURSEMENT CLAIM REQUIREMENTS
  1. Copy of Participant Card.
  2. Copy of prescription (min. 0.5) from an Ophthalmologist (Eye Specialist).
  3. Original receipt of eyeglasses purchase.
  4. Copy of Participant’s bank account book.
• OUTPATIENT CLAIM REQUIREMENTS
  1. Copy of Participant Card.
  2. Original receipt (outpatient payment).
  3. Copy of prescription and medical resume or diagnosis, completed and signed by the attending physician.
  4. Detailed treatment breakdown.
  5. Diagnostic supporting results.
• BPJS CASH BENEFIT CLAIM REQUIREMENTS (INPATIENT ONLY)
  1. Copy of Participant Card.
  2. Medical resume regarding the diagnosis from the attending physician or hospital.
  3. Original receipt, stating coverage or guarantee by BPJS.

Participants may utilize PertaLife Insurance as their primary coverage first. Once the claim has been processed by PertaLife Insurance, Participants may request a Coordination of Benefits (COB) letter to be submitted to another insurance provider.

Participants may use their Participant Card at any healthcare provider within the PertaLife Insurance network.

Participants may proceed using the reimbursement procedure.

Claims are processed according to policy terms. Please send complete claim documents to the PertaLife Insurance Head Office, or use E-Claim for amounts up to IDR 2,000,000.

Claims are settled in accordance with the Policy Terms and Conditions, with an SLA of 14 business days upon receipt of complete documentation.

– Managed Health Care
– Medicare Plan

• Surrender (Policy Termination)
  1. Copy of valid ID Card (KTP).
  2. Copy of Participant’s bank passbook.
  3. Original Policy / E-Policy pages 1-5.
  4. Completed Surrender (Policy Termination) form.
• Withdrawal (Unit Link Product)
  1. Copy of valid ID Card (KTP).
  2. Copy of Participant’s bank passbook.
  3. Original Policy pages 1-5.
• Withdrawal Terms:
  1. Withdrawals can be made at any time.
  2. Partial withdrawal fees apply as per the applicable terms and conditions.
  3. Minimum partial withdrawal is IDR 1,000,000 per transaction.
  4. Minimum remaining balance (holding fund) is IDR 2,500,000.
• Death Claim
  1. Completed Individual Insurance Claim Form.
  2. Original Policy (if unavailable, a police loss report file must be provided).
  3. Copy of the Beneficiary’s bank passbook.
  4. Power of Attorney from the Beneficiary.
  5. Copies of ID Cards/KTP of the Policyholder and Beneficiary, with a copy of the Family Card/KK.
  6. Death Certificate issued by the local authorities (Kelurahan/District) if deceased at home.
  7. Legalized Death Certificate issued by hospital or police (if due to an accident).

Participants may contact our Call Center to request a Policy reprint. However, if Participants are filing a claim and their Policy is lost, Participants must provide an official police loss report document.

Participants may inquire about their Cash Value or NAV by contacting our Call Center or via WhatsApp Business at +62 811-8984-460.

According to Law No. 4 of 2023, is a Financial Institution Pension Fund (DPLK) that may be established by legal entities holding a business license from the Financial Services Authority (OJK), namely:

Commercial Banks, Sharia Commercial Banks, Life Insurance Companies, Sharia Life Insurance Companies, Investment Managers, Sharia Investment Managers, and other institutions as further regulated by OJK in coordination with the Minister.

The DPLK Program is a Defined Contribution Pension Plan (PPIP), wherein contributions are stipulated in the Pension Fund Regulations. All contributions and investment returns are credited to each Participant’s individual account as Pension Benefits.

Competitive Fees

Costs related to investment execution, transactions, and asset custody incurred for the management of an investment package shall be charged to the respective package. Fees are calculated and accrued daily based on the fund balance or Net Asset Value (NAV) of the day.

Services
1. Participants can monitor their fund balance in real-time through the “SiPerdana” mobile app or website.
2. Investment switching fees are waived for up to 4 changes per year.
3. Fund Fact Sheets, containing investment performance and market outlook, are provided semi-annually (every 6 months).
4. Claim settlement within a maximum of 5 business days upon receipt of the final contribution and complete documentation.
5. The Claim Tracker feature in the SiPerdana app provides end-to-end visibility of the claim process until the funds are disbursed.

Security
1. Establishment of a Joint Investment Committee (KIB) that provides investment directives, ensuring optimal and properly monitored fund growth.
2. The KIB is authorized to determine the selection of investment portfolio instruments.

Fund Management Model
a. Segregated Fund (Individualized Management)
1. Investments are managed according to the Joint Investment Committee (KIB) directives.
2. Financial and Investment Reports are prepared on a standalone basis.
3. Subject to financial and system audits.
4. Semi-annual reporting (every 6 months).
5. Investment Manager selection.
6. Quarterly review meetings (every 3 months).
7. Minimum Asset Under Management (AUM) of IDR 50 Billion (negotiable).

b. Public Fund (Pooled Fund Management)
1. Funds are invested based on the Participant’s chosen investment option.
2. Investment Manager involvement (as required).
3. Flexibility in selecting investment options.
4. Participants may perform Top-Ups.

Additional investment alternatives are available through Sharia Investment Packages, including Sharia Money Market and Sharia Fixed Income funds.

• Participants must be at least 18 years of age or married, with a steady source of income.
• DPLK PertaLife is open to all individuals regardless of profession, including civil servants, private-sector employees, state-owned or regional-owned enterprise employees, doctors, notaries, teachers, entrepreneurs, farmers and other informal sector workers seeking financial security for their retirement.

• Individual Participants
  1. Complete the registration form.
  2. Attach the required documents, including a copy of a valid personal identification card.
  3. Minimum age of 18 or married, with a steady source of income.
• Employer Participants
  1. Complete the Employer Data Form.
  2. Attach copies of corporate legal documents, including the Business License (SIUP), Company Registration Certificate (TDP), Company Tax Identification Number (NPWP), and the Deed of Establishment.
  3. Submit a list of employees to be enrolled in the DPLK program.

• Syarat Kepesertaan
  1. ‌Perorangan baik Karyawan maupun Pekerja Mandiri, dapat menjadi Peserta dengan terlebih dahulu mendaftar pada DPLK PertaLife.
  2. ‌Pada saat pendaftaran Peserta minimal berusia 18 tahun atau sudah nikah dan mempunyai penghasilan.

  ‌
  ‌Prosedur Kepesertaan

  1. ‌Mengisi formulir pendaftaran yang disediakan oleh DPLK PertaLife. Bagi Peserta yang memilih Paket Investasi Syariah, mengisi dan menandatangani Akad yang disediakan oleh Dana Pensiun, dimana Akad yang digunakan Wakalah bil Ujrah.
  2. ‌Menyampaikan dokumen yang dipersyaratkan oleh DPLK PertaLife.
  3. ‌Membayar Iuran pertama kepada Dana Pensiun dan mengalihkan Dana dari DPLK lainnya dan atau DPPK dan atau Dana Pemberi Kerja, apabila ada.

DPLK PertaLife Participants may choose from 3 contribution models:
1. A percentage of salary or take-home pay.
2. Based on job grade or seniority level.
3. A fixed nominal amount.

• For Participants / Employees
  1. Tax incentives on personal income tax (Article 21 / PPh 21).
  2. Accelerated fund growth as investment returns are tax-exempt (PPh 23).
  3. Enhanced financial security.
  4. Sustainable income stream throughout retirement.
• For Employers / Companies
  1. Enables companies to provide pension programs without the need to establish an independent pension fund.
  2. Corporate income tax incentives (PPh 25), as employer contributions are recognized as deductible expenses.
  3. Fulfills corporate obligations to retiring employees in accordance with Law No. 13 of 2003, Article 167.
  4. Boosts employee motivation and serves as a competitive talent attraction tool.

• Participants’ Rightsa. To determine the designated retirement age.
  b. To select and switch between available investment portfolios or alternatives provided by the Pension Fund.
  c. To access information regarding Participant Fund balance.
  d. To designate and update beneficiaries who shall receive the funds in the event of the Participant’s passing.
  e. To receive Pension Benefits.
• Participants’ Obligations
  1.To remit contributions to DPLK PertaLife.
  2. To bear the fees as stipulated in the Pension Fund Regulations.
  3. To fulfill tax obligations as per the applicable tax laws.
  4. To provide accurate information regarding their participation and contribution status.
  5. To comply the Pension Fund Regulations.

– Bank transfer via teller.
– Auto-debit from savings or current accounts.
– Bank e-channel services, including Mobile Banking, Internet Banking, SMS Banking, and ATMs.

Participants are not permitted to make a claim prior to reaching the Normal or Early Retirement Age. However, a partial withdrawal of contributions is allowed under the following conditions:

1. A minimum participation period of 5 (five) years.
2. The withdrawn funds must originate from the Participant’s own contributions.
3. Withdrawals can only be made once every 5 (five) years.
4. The withdrawn amount does not include investment returns and funds transferred from DPPK or Employer Contributions.
5. A withdrawal fee of 0.5% of the withdrawn amount applies, with a maximum fee of IDR 150,000.
6. All withdrawals are subject to applicable tax regulations.

1. Money Market Fund
2. Fixed Income Fund
3. Equity Fund
4. Sharia Money Market Fund
5. Sharia Fixed Income Fund