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Travel Insurance 360

Travel Insurance 360 is an insurance product that provides coverage for the insured against various risks of loss that may occur during travel. This protection includes both domestic and international travel, whether for business or leisure purposes, allowing you to travel with peace of mind and a sense of security.

Advantages of Travel Insurance 360

  • Coverage for death or permanent disability due to accidents.
  • Medical expenses due to accidents or illnesses.
  • Protection against various travel disruptions such as cancellations, delays, or schedule changes.
  • Compensation for loss or damage to baggage and personal belongings.
  • Coverage for personal liability towards third parties.
  • Emergency services ready to assist whenever needed.

Benefits of Travel Insurance 360

  1. Domestic Travel Benefits
    BENEFIT TABLE
    Benefit Limit
    Personal Accident Benefits Domestic
    Section 1 Personal Accident (Death and Permanent Disability due to Accident)
    Adults under 66 years IDR150,000,000
    Adults aged 66 and above (up to 80 years) IDR75,000,000
    Children IDR75,000,000
    Section 2 Personal Accident (Death and Permanent Disability due to Natural Disasters)
    Adults under 66 years IDR150,000,000
    Adults aged 66 and above (up to 80 years) IDR75,000,000
    Children IDR75,000,000
    Medical Benefits
    Section 3 Incurred Medical Expenses
    Adults under 66 years IDR20,000,000
    Adults aged 66 and above (up to 80 years) IDR20,000,000
    Children IDR20,000,000
    Maximum per family IDR50,000,000
    Section 4 Hospital Cash Allowance IDR250,000 per 24 hours, maximum IDR2,500,000
    Travel Assistance Benefits
    Section 5 Emergency Medical Evacuation
    Adult aged below 66 years old IDR 50,000 ,000
    Adult aged 66 years old and above (Up to 80) IDR 50,000,000
    Child IDR 50,000,000
    Section 6 Repatriation of Mortal Remains IDR 20,000,000
    Liability Benefits
    Section 7 Personal Liability IDR 30,000,000
    Travel Inconvenience Benefits
    Section 8 Trip Cancellation and Loss of Deposit IDR3,000,000
    (Up to 14 Days before Departure)
    Section 9 Travel Curtailment (Including Hijacking) IDR3,000,000
    Travel Postponement (Up to 14 Days before Departure) IDR3,000,000
    Section 11 Travel Delay IDR250,000 every 6 hours, max IDR1,000,000
    Section 12 Personal Effects Including Laptop Computer
    Individual IDR300,000 per item, max IDR3,000,000
    Maximum per Family IDR6,000,000
    Other Benefits
    Section 13 Emergency Medical Assistance Included
    Section 14 24-hour Travel Hotline Included
    Section 15 Free Automatic Extension (Up to 14 days) Included
  2. International Travel Benefits
    TABLE OF BENEFITS
    Benefits Limits
    Personal Accident Benefits Classic Deluxe Suite
    Section 1 Personal Accident (Accidental Death and Permanent Disablement)
    Adult aged below 66 years old IDR750,000,000 IDR1,500,000,000 IDR3,000,000,000
    Adult aged 66 years old and above (Up to 80) IDR375,000,000 IDR750,000,000 1.500.000.000,00
    Child IDR375,000,000 IDR750,000,000 1.500.000.000,00
    Section 2 Personal Accident (Accidental Death and Permanent Disablement due to Natural Disaster)
    Adult aged below 66 years old NA IDR1,500,000,000 3.000.000.000,00
    Adult aged 66 years old and above (Up to 80) NA IDR750,000,000 1.500.000.000,00
    Child NA 750.000.000,00 1.500.000.000,00
    Overseas Medical Benefits
    Section 3 Medical Expenses Incurred Overseas
    Adult aged below 66 years old 500.000.000,00 1.000.000.000,00 2.000.000.000,00
    Adult aged 66 years old and above (Up to 80) 250.000.000,00 500.000.000,00 1.000.000.000,00
    125.000.000,00 250.000.000,00 500.000.000,00
    Child
    Maximum Per Family 1.250.000.000,00 2.500.000.000,00 5.000.000.000,00
    Section 4 Hospital Visit NA 30.000.000,00 50.000.000,00
    Section 5 Compassionate Visit 10.000.000,00 20.000.000,00 30.000.000,00
    Section 6 Child(ren) Guardian 15.000.000,00 30.000.000,00 50.000.000,00
    Section 7 Hotel Extension NA 5.000.000,00 7.500.000,00
    Section 8 Overseas Hospital Income IDR 500,000 every 24 hours,
    max IDR 5,000,000     		IDR 750,000 every 24 hours,
    max IDR 15,000,000     		IDR 750,000 every 24 hours,
    max IDR 22,500,000
    Section 9 Mobility Aid Reimbursement NA 2.500.000,00 5.000.000,00
    Section 10 Women’s Benefits (Coverage after 12 Weeks) NA 15.000.000,00 25.000.000,00
    Local Medical Benefits
    Section 11 Post-Trip Medical Expenses Incurred in Indonesia
    Section 11A 1) For Injury Sustained While Overseas
    2) For Illness Sustained While Overseas where Emergency Medical Evacuation has been Arranged to Return You to Indonesia
    Adult aged below 66 years old 10.000.000,00 20.000.000,00 25.000.000,00
    Adult aged 66 years old and above (Up to 80) 5.000.000,00 10.000.000,00 12.500.000,00
    Child 5.000.000,00 10.000.000,00 12.500.000,00
    Section 11B For Illness Sustained While Overseas and Medical Treatment or Follow-up Medical Treatment upon Return to Indonesia
    Adult aged below 66 years old 10.000.000,00 20.000.000,00 25.000.000,00
    Adult aged 66 years old and above (Up to 80) 5.000.000,00 10.000.000,00 12.500.000,00
    Child 5.000.000,00 10.000.000,00 12.500.000,00
    Section 12 Hospital Income in Indonesia IDR 250,000 every 24 hours IDR 300,000 every 24 hours IDR 500,000 every 24 hours
    Max IDR 2,500,000 Max IDR 3,000,000 Max IDR 5,000,000
    Travel Assistance Benefits
    Section 13 Emergency Medical Evacuation
    Adult aged below 66 years old Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit
    Adult aged 66 years old and above (Up to 80) Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit
    Child Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit
    Section 14 Repatriation of Mortal Remains to Indonesia Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit
    Section 15 Direct Repatriation of Mortal Remains to Home Country Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit Actual cost, up to 100% of AD&D Limit
    Section 16 Emergency Telephone Charges 500.000,00 1.000.000,00 2.500.000,00
    Liability Benefits
    Section 17 Personal Liability Abroad 250.000.000,00 1.000.000.000,00 2.000.000.000,00
    Travel Inconvenience Benefits
    Section 18 Trip Cancellation and Loss of Deposit 15.000.000,00 45.000.000,00 75.000.000,00
    (Up to 14 Days before Departure)
    Section 19 Travel Curtailment (Including Hijacking) 15.000.000,00 45.000.000,00 75.000.000,00
    Section 20 Travel Postponement 5.000.000,00 10.000.000,00 20.000.000,00
    (Up to 14 Days before Departure)
    Section 21 Replacement Traveller NA 5.000.000,00 10.000.000,00
    (Up to 14 Days before Departure)
    Section 22 Penundaan Perjalanan IDR 500,000.00 every 6 hours, max IDR 2,000,000 IDR 1,000,000.00 every 6 hours, max IDR 5,000,000 IDR 1,500,000.00 every 6 hours, max IDR 9,000,000
    Travel Delay
    Section 23 A) Travel Misconnection & 5.000.000,00 7.500.000,00 10.000.000,00
    B) Flight Diversion (IDR 1,000,000.00 every 6 hours)
    Section 24 Personal Effects Including Laptop Computer
    Individual IDR 2,500,000 per item, max IDR 20,000,000 IDR 2,500,000 per item, max IDR 30,000,000 IDR 2,500,000 per item, max IDR 35,000,000
    Maximum per Family 40.000.000,00 60.000.000,00 70.000.000,00
    Section 25 Baggage Delay IDR 500,000.00 every 6 hours, max IDR 2,000,000 IDR 1,000,000.00 every 6 hours, max IDR 5,000,000 IDR 1,500,000.00 every 6 hours, max IDR 9,000,000
    Section 26 Loss of Travel Documents (Including Money) 5.000.000,00 10.000.000,00 15.000.000,00
    Limit per Individual for Money 1.000.000,00 2.000.000,00 3.000.000,00
    Section 27 Fraudulent Credit Card Usage 1.500.000,00 4.500.000,00 7.500.000,00
    Section 28 Hijacking (IDR 2,500,000 every 24 hours) 15.000.000,00 20.000.000,00 25.000.000,00
    Section 29 Home Contents Cover 25.000.000,00 25.000.000,00 25.000.000,00
    Section 30 Rental Vehicle Excess NA 5.000.000,00 10.000.000,00
    Section 31 Pet Care (IDR 250,000 every 6 hours) NA 2.500.000,00 5.000.000,00
    Section 32 Golf Cover
    A) Golf Hole-In-One NA 2.500.000,00 2.500.000,00
    B) Golf Equipment NA 2.500.000,00 4.000.000,00
    C) Unused Green Fee NA 2.500.000,00 2.500.000,00
    Section 33 Sports Equipment Protector NA 2.500.000,00 2.500.000,00
    Other Benefits
    Section 34 Terrorism Extension NA Included Included
    Section 35 Worldwide Emergency Medical Assistance Included Included Included
    Section 36 24-hour Travel Hotline Included Included Included
    Section 37 Free Automatic Extension (Up to 14 days) Included Included Included
    Optional Benefits (COVID-19 Coverage)
    Section 38 Travel Postponement (Up to 14 Days before Departure) 5.000.000,00 10.000.000,00 20.000.000,00
    Section 39 Medical Expenses Incurred Overseas 250.000.000,00 750.000.000,00 750.000.000,00
    Section 40 Post-Trip Medical Expenses Incurred in Indonesia 10.000.000,00 20.000.000,00 25.000.000,00
    Section 41 Overseas Hospital Income IDR 250,000 every 24 hours Max IDR 2,500,000 IDR 250,000 every 24 hours Max IDR 2,500,000 IDR 250,000 every 24 hours Max IDR 2,500,000
    Section 42 Hospital Income in Indonesia IDR 250,000 every 24 hours Max IDR 2,500,000 IDR 250,000 every 24 hours Max IDR 2,500,000 IDR 250,000 every 24 hours Max IDR 2,500,000

Premi (Rp)

  1. Domestic Travel
    Day Individual Family
    1 - 3 IDR38.400 IDR66.400
    4 - 6 IDR64.800 IDR113.600
    7 - 10 IDR91.200 IDR160.000
    11 - 14 IDR113.600 IDR199.200
    15 - 22 IDR148.000 IDR259.200
    23 - 31 IDR190.400 IDR333.600
    Weekly IDR34.400 IDR59.200
    Annually IDR667.000 IDR1.167.250
  2. International Travel
    1. Individual Package
      Day ASEAN (Zona 1) / Asia (Zona 2) Worldwide (Zona 3)
      Classic Deluxe Suite Classic Deluxe Suite
      1 - 3 IDR80,000 IDR120,000 IDR144,000 IDR140,000 IDR210,000 IDR252,000
      4 - 6 IDR160,000 IDR240,000 IDR288,000 IDR280,000 IDR420,000 IDR504,000
      7 - 10 IDR240,000 IDR360,000 IDR432,000 IDR420,000 IDR630,000 IDR756,000
      11 - 14 IDR310,400 IDR464,800 IDR558,400 IDR543,200 IDR814,400 IDR977,600
      15 - 22 IDR416,000 IDR624,000 IDR748,800 IDR728,000 IDR1,092,000 IDR1,310,400
      23 - 31 IDR544,000 IDR816,000 IDR979,200 IDR952,000 IDR1,428,000 IDR1,713,600
      Weekly IDR96,000 IDR144,000 IDR172,800 IDR168,000 IDR252,000 IDR302,400
      Annually IDR1,632,000 IDR2,448,000 IDR2,937,600 IDR1,904,000 IDR2,856,000 IDR3,427,200
    2. Family Package
      Day ASEAN (Zona 1) / Asia (Zona 2) Worldwide (Zona 3)
      Classic Deluxe Suite Classic Deluxe Suite
      1 - 3 IDR140,000 IDR210,400 IDR252,000 IDR244,800 IDR367,200 IDR440,800
      4 - 6 IDR280,000 IDR420,000 IDR504,000 IDR490,400 IDR735,200 IDR882,400
      7 - 10 IDR420,000 IDR630,400 IDR756,000 IDR735,200 IDR1,102,400 IDR1,323,200
      11 - 14 IDR542,400 IDR813,600 IDR976,800 IDR950,400 IDR1,425,600 IDR1,710,400
      15 - 22 IDR728,000 IDR1,092,000 IDR1,310,400 IDR1,274,400 IDR1,911,200 IDR2,293,600
      23 - 31 IDR952,000 IDR1,428,000 IDR1,713,600 IDR1,686,400 IDR2,499,200 IDR2,999,200
      Weekly IDR168,000 IDR252,000 IDR302,400 IDR294,400 IDR440,800 IDR529,600
      Annually IDR2,856,000 IDR4,284,000 IDR5,140,800 IDR3,332,000 IDR4,998,000 IDR5,997,600
    3. Additional Coverage (Optional): Covid-19 Benefit
      Day Classic Deluxe Suite
      1 - 3 IDR41,500 IDR50,000 IDR62,500
      4 - 6 IDR65,200 IDR79,200 IDR99,000
      7 - 10 IDR113,000 IDR137,400 IDR171,700
      11 - 14 IDR167,000 IDR203,300 IDR254,200
      15 - 22 IDR233,500 IDR284,800 IDR356,100
      23 - 31 IDR329,500 IDR401,900 IDR502,400
      Weekly Add-on IDR62,500 IDR75,300 IDR94,200
      Annually IDR386,700 IDR471,600 IDR589,500

Fee

  1. POLICY FEE :
    Policy Type Policy Type
    Hardcopy IDR60.000,-
    e-Policy -
  2. ENDORSEMENT / POLICY CANCELLATION FEE :
    Policy Type Policy Type
    Endorsemen IDR25.000,-
    Cancellation IDR25.000,-
  3. STAMP DUTY FEE :
    Premium Value Stamp Duty Fee
    > IDR 5.000.000,- IDR20.000,-
    ≤ IDR 5.000.000,- -

Terms and Conditions of Asuransi Perjalanan 360 

Participant’s Age – As of the Insurance Effective Date
  • Policyholder: 18 – 80 years old
  • Children: 3 months – 18 years old (or up to 25 years old if studying full-time at a recognized college/university)
Maximum Duration per Trip 180 days for Single Trip Policies and 90 days per trip for Annual Trip Policies.
Policy Coverage Period
  • Single Trip (one-way, according to the selected travel duration)
    The premium must be paid in full before the Policy effective date. A grace period for premium payment does not apply to this type of Policy.
  • Annual (multiple trips)
    The premium must be paid within a grace period of thirty (30) days from the Policy effective date.
Premium Payment Premium payment must be made in a lump sum and exclusively through a Maybank account.
Currency

IDR
Application Requirements
  • Proposal Form (Infosite Travel 360)
  • Copy of ID Card / Passport
Note for Family Package
  • Single Trip Policy – A maximum of two (2) adults traveling with up to eight (8) children. The two (2) adults do not need to be related; however, the children must be related to at least one of the insured adults.
  • Annual Multi-Trip Policy – The Insured includes you, your spouse, and your children.
  • The Family Package limit is a maximum of 250% of the Individual Limit as stated in the Benefit Table, with a maximum of 100% allocated for adults and 25% for children.
  • For Family Packages, all insured members must depart from and return to Indonesia together.
Geographical Zone
  • Zone 1: ASEAN – Brunei, Cambodia, Singapore, Laos, Malaysia, Myanmar, Thailand, the Philippines, and Vietnam.
  • Zone 2: Zone 1 plus Asia – Armenia, Australia, Azerbaijan, Bahrain, Bangladesh, China (excluding Tibet), Cyprus, Georgia, Hong Kong, India, Israel, Japan, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Lebanon, Macau, Maldives, Mauritius, Mongolia, New Zealand, Oman, Pakistan, Palestine, Qatar, Saudi Arabia, South Korea, Sri Lanka, Taiwan, Tajikistan, Timor-Leste, Turkey, Turkmenistan, United Arab Emirates, and Uzbekistan.
  • Zone 3: Zone 1 and Zone 2 plus Nepal, Tibet, and Worldwide coverage, excluding the Democratic Republic of Congo, Iran, Libya, North Korea, Somalia, South Sudan, Sudan, Yemen, and countries subject to UN sanctions.

Benefit Illustration of Asuransi Perjalanan 360 

  1. Domestic Travel Simulation
    Customer Name : Jasmine Pertiwi (Female)
    Birthdate : 18 April 1990 – 35 years old
    Destination : Lombok
    Trip Duration : 1 – 31 October 2025 (31 days)
    Policy Type : Individual
    Plan : Domestic

    Premium Calculation:
    Asuransi Perjalanan 360 – Domestic Plan – Individual – 23 until 31 days
    Premium : IDR 190.400
    Policy Fee – Hardcopy : IDR   60.000
    Total Premium :  IDR 250.400

    Claim Calculation :
    On the third day of her trip in Lombok, Mrs. Jasmine fell ill and had to visit a local hospital for treatment. She incurred medical expenses amounting to IDR 3,500,000. Mrs. Jasmine then submitted a claim to PT Asuransi Etiqa Internasional Indonesia for reimbursement of these medical costs. The coverage limit for medical expenses under the Domestic Plan is IDR 20,000,000. Once Etiqa receives the complete claim report and supporting documents, they will reimburse the full amount of IDR 3,500,000. 

  2. International Travel Simulation
    Customer Name : Jasmine Pertiwi (Female)
    Birthdate : 18 April 1990 – 35 years old
    Destination : Malaysia
    Trip Duration : 1 – 31 October 2025 (31 days)
    Policy Type : Individual
    Plan : Deluxe

    Premium Calculation :
    Asuransi Perjalanan 360 – Deluxe Plan – Individual – 23 s/d 31 days – Zona 1
    Premium : IDR 816.000
    Policy Fee – Hardcopy : IDR   60.000
    Total Premium : IDR 876.000

    Claim Calculation:
    On the third day of her trip in Malaysia, Mrs. Jasmine fell ill and had to visit a local hospital for treatment. She incurred medical expenses amounting to RM 1,000. Mrs. Jasmine then submitted a claim to PT Asuransi Etiqa Internasional Indonesia for reimbursement of the medical expenses. The coverage limit for medical expenses under the Deluxe Plan is IDR 1,000,000,000. Once Etiqa receives the complete claim report and supporting documents, they will reimburse the full amount of RM 1,000.

About Etiqa

In Indonesia, the journey began when eTiQa completed the acquisition process of a local insurance company, PT Asuransi Asoka Mas, in 2017. From 2017 to 2019, Asuransi Asoka Mas underwent a rapid transformation to change its name to PT Asuransi eTiQa Internasional Indonesia.

Vision and Motivation
Bringing eTiQa's path to Indonesia by prioritizing customers above all else. The main focus is to develop products and services properly and to use technology as a medium so that customers can more easily access the products and services offered.

Company Vision
To become a meaningful and beneficial company that always prioritizes the interests of customers and the community, by providing insurance protection for the wider public for business activities, ownership of assets, as well as their loved ones.

Company Mission
To provide services easily, along with solutions for the benefit of customers. Easy to obtain protection and when a claim occurs. Applying a technological and digital approach in all areas so that the services provided to customers are better and more efficient. Creating a conducive work environment to foster creative, innovative mindsets and the desire to progress in every employee, to be the best in both work and life.

Disclaimer :

  1. PT Bank Maybank Indonesia Tbk (“Bank”) is a bank licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan) and Bank Indonesia.
  2. PT Asuransi Etiqa Internasional Indonesia is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan).
  3. The premium paid already includes a commission for the Bank.
  4. This Insurance product is a product of PT Asuransi Etiqa Internasional Indonesia and PT Asuransi Etiqa Internasional Indonesia is responsible for this insurance product. This Insurance product is not a product of PT Bank Maybank Indonesia Tbk, therefore it does not impose any obligations on PT Bank Maybank Indonesia Tbk and is not guaranteed by PT Bank Maybank Indonesia Tbk or its affiliates, and is not included in the deposit insurance program as referred to in the laws and regulations concerning the Indonesia Deposit Insurance Corporation (LPS).

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PT Bank Maybank Indonesia Tbk is a Bank licensed and supervised by OJK & Bank Indonesia and LPS. PT Bank Maybank Indonesia Tbk is a guarantee participant in the LPS. The maximum deposit guarantee value per Customer per bank is IDR2 billion. To find out the applicable LPS interest rates, please CLICK HERE