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Comprehensive critical illness insurance for
life's unplanned moments.

Protects against cancer, heart attack and stroke—causing 60% of deaths. 100% cash benefit up to IDR 200 million, no medical check, buy online in 2 minutes.

Global Shield Plan

Heart Attack

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  • 100% lump sum payout
  • Up to IDR 200 million coverage
  • Premiums start from IDR 6,000/month
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Global Shield Plan

Stroke

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  • 100% lump sum payout
  • Up to IDR 200 million coverage
  • Premiums start from IDR 5,500/month
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Global Shield Plan

Cancer

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  • Covers all stages of cancer
  • No medical pre-examination
  • Premiums start from IDR 11,500/month
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Global Shield Plan

Big 3 Critical Illness

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  • Covers Cancer, Heart Attack, and Stroke
  • No medical examination
  • Premiums start from IDR 21,000/month
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Protecting you and your family so you can focus on your recovery

Simple, Fast, and Fully Digital Enrollment

Simple, Fast, and Fully Digital Enrollment

Oona makes it easy to get critical illness coverage online in just a few minutes. No complicated paperwork, just quick approval and peace of mind when it matters most.

Lump-Sum Cash Benefit When You Need It

Lump-Sum Cash Benefit When You Need It

Receive a cash payout upon diagnosis, giving you the flexibility to cover medical bills, recovery costs, lost income, or daily living expenses—without financial stress.

Flexible Length of Protection to Fit Your Needs

Flexible Length of Protection to Fit Your Needs

Getting older? No worries! You’ll continue to stay protected. Renew your Critical Illness Insurance policy up to age 60, so you can live with lasting peace of mind.

How to Purchase Critical Illness Insurance Online

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Step 1
Choose the Coverage That Fits Your Needs

Select the protection that suits you best. Oona offers four coverage options for cancer, heart attack, and stroke—choose one or all three for maximum protection.

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Step 2
Customize Your Coverage

Adjust your coverage to match your needs and life plans, because Oona provides sum insured options ranging from IDR 100 million to IDR 200 million.

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Step 3
Apply & Get Covered Instantly

Complete your personal details, proceed with payment using the available methods, and receive your policy instantly. Enjoy peace of mind knowing you’re fully protected.

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Answer 4 simple questions to get your instant free quote

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Why is Oona Critical Illness Insurance the Right Choice?

Affordable Premium

Affordable Premium

Get protection coverage of up to IDR 200 million, with premiums starting from IDR 5.500 per month.

Buy Online, No Medical Check

Buy Online, No Medical Check

You can easily purchase it online in just minutes by simply answering 4 basic questions about your health.

Includes Early-Stage Cancer

Includes Early-Stage Cancer

Cancer protection designed for you covers all stages, with comprehensive benefits.

Complements Your Health Insurance

Complements Your Health Insurance

Oona Big 3 Critical Illness Insurance works alongside your existing health insurance to provide extra protection.

Protects Against 3 Major Critical Illnesses

Protects Against 3 Major Critical Illnesses

Provides coverage for cancer, heart attack, and stroke, which are responsible for around 60% of deaths in Indonesia.

0% Interest Installment Payment Options

0% Interest Installment Payment Options

Option to pay in installments at 0% interest with leading credit cards, including BCA, Mandiri, BRI, BNI and others.

How to file a Claim for Critical Illness Insurance

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Step 1
Before you claim

Prepare and collate all the required documents and claim details for submission. Click here to see the required documents.

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Step 2
Submit your claim

Fill out the online claim form and upload the required documents online. Make a Claim or Other Ways to File a Claim

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Step 3
Track your claim

Claim results will be informed within 5 business days upon submission of all required documents to Oona for review.

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Got a Question?

Explore our FAQ page to find all the information you need.

Buy Oona Critical Illness Insurance

When is the best time to buy critical illness insurance?

Answer
The best time to buy is when you are young and healthy. Premiums are typically lower, and you can secure coverage before developing any pre-existing conditions.
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What is Critical Illness Insurance?

Answer

Critical Illness Insurance is a health protection plan that provides a lump sum payout if you are diagnosed with a covered serious illness such as cancer, heart attack, or stroke. This benefit can be used for medical treatment, recovery expenses, or to replace lost income.

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What does stroke insurance cover?

Answer
Stroke insurance offers financial protection if you are diagnosed with a stroke that meets the policy definition. The payout can be used for hospital bills, therapy, rehabilitation, and lifestyle adjustments during recovery.
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Who should buy heart attack, stroke, or cancer insurance?

Answer

Critical illness coverage is recommended for:

  • Working professionals
  • Self-employed individuals
  • Parents and breadwinners
  • Individuals with family history of cancer, heart disease, or stroke
     

Early protection helps secure financial stability during unexpected health challenges.

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How do I make a claim for critical illness insurance?

Answer

To file a claim:

  1. Inform the insurer as soon as possible after diagnosis
  2. Submit required documents (medical reports, diagnosis confirmation, ID, policy details)
  3. The claim will be reviewed based on policy terms
  4. Approved claims are paid as a lump sum benefit
     

Always check your policy wording for specific claim requirements.

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How do I purchase heart attack, stroke, or cancer insurance?

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You can purchase critical illness insurance online through a simple application process:

  • Choose your preferred coverage (standalone or bundled)
  • Select your coverage amount
  • Complete the health declaration
  • Make payment online
  • Receive your policy digitally
     

This allows fast and convenient protection without lengthy paperwork.

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How does heart attack insurance work?

Answer
Heart attack insurance provides a lump sum payout if you are diagnosed with a covered heart attack condition as defined in the policy. The benefit can help cover hospitalization costs, rehabilitation, medication, and recovery-related expenses.
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Is critical illness insurance different from regular health insurance?

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Yes. Regular health insurance reimburses hospitalization and medical expenses. Critical illness insurance provides a fixed lump sum payout upon diagnosis of covered conditions, regardless of actual medical bills.

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Can I buy heart attack, stroke, or cancer insurance separately?

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Yes. You can choose to purchase standalone heart attack insurance, stroke insurance, or cancer insurance, depending on your needs. Some plans also offer bundled critical illness coverage that protects you against multiple conditions under one policy.

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How does cancer insurance work?

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Cancer insurance pays a lump sum upon diagnosis of covered cancer stages (early or advanced, depending on the plan). This helps manage treatment costs such as chemotherapy, surgery, hospital stays, and other related medical expenses.
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What are the benefits of choosing Oona Critical Illness Insurance?

Answer

Oona Critical Illness Insurance offers:

  • Affordable premiums
  • Simple and fast online purchase
  • Lump sum payout upon diagnosis
  • Flexible coverage options (standalone or combined)
  • Dedicated claims support
     

This ensures financial protection so you can focus on recovery without financial stress.

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Why should I consider standalone cancer, heart attack, or stroke insurance?

Answer

Standalone coverage allows you to:

  • Focus protection on specific high-risk illnesses
  • Customize coverage amounts
  • Keep premiums affordable
  • Receive targeted financial support upon diagnosis
     

This is ideal if you want focused protection for particular health risks.

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Important Notes :

  1. 1. More than 396,000 people in Indonesia have cancer
  2. 2. Breast and lung cancer cases will go up by 63% by 2030
  3. 3. Health costs in Indonesia are projected to increase by 13.6%
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Providing quality insurance services with leading partners

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