What is Cyber Protection (by MSIG)?

Cyber Protection is an insurance product from PT Asuransi MSIG Indonesia that provides coverage against digital risks such as unauthorized online transactions, cyber fraud, or identity theft that may cause financial loss.

What benefits are included in Cyber Protection?

Cyber Protection provides the following coverage benefits:
1. Compensation for unauthorized online transactions.
2. Protection from online shopping fraud.
3. Coverage against identity theft and personal data breaches.
4. Reimbursement for recovery costs after a cyber incident (e.g., account hacking).
5. Access to MSIG’s cyber emergency assistance services.

How is Cyber Protection different from other digital insurance products?

1. Focused: This Cyber Protection is focused on online activity and cyber risks.
2. Fully digital: The entire process, from purchase to claims, is done through the Jenius app.
3. No physical check-ups: No health documents or examinations are required.
4. Quick & flexible protection: Policy becomes active within 2 working days after purchase.
5. Transparent: All benefit details, premiums, and validity periods can be viewed anytime in the app.

How does Cyber Protection work?

After purchasing Cyber Protection and paying the premium, the policy will be issued and sent to your email. You’ll be protected for the coverage period (12 months). If a digital incident occurs, such as an unauthorized transaction, you can file a claim with MSIG within 30 days of the event with the required supporting documents.

What’s the advantages of buying Cyber Protection?

When you buy a Cyber Protection, you will enjoy advantages such as:
1. Easy and practical: The entire process, from purchase to claim, is done via the Jenius app.
2. Modern protection: Specifically designed for today’s digital lifestyle.
3. Affordable premiums: Multiple plan options suited to your needs and budget.
4. Quick support: MSIG customer assistance is available to help with any issues.

Are there risks in buying Cyber Protection?

Possible risks include:
1. Credit risk: If the insurer is unable to fulfill its obligations.
2. Operational risk: System issues, internal errors, or technical disruptions that may delay services.
3. Exclusion risk: Claims that do not fall within policy coverage are not eligible.

What are the exclusions of Cyber Protection?

Cyber Protection does not cover losses caused by:
1. Pre-existing Known Circumstances: Situations existing before the policy period that you were aware of and that could lead to a claim.
2. Intentional & Negligent Acts: Deliberate, malicious, dishonest, or negligent acts by the Insured.
3. Business & Professional Activities: Acts related to your employment, self-employment, or business.
4. War & Hostilities: Any kind of war, use of force, or acts of hostility.
5. Physical Property Damage: Loss or damage to tangible property.
6. Financial & Investment Losses: Losses from investments, trading, or market failure, including all types of crypto currency.
7. Bodily Injury & Illness: Physical injury, illness, psychological trauma, or death.
8. Intellectual Property Issues: Theft or infringement of patents, trademarks, and copyrights.
9. Internal Lawsuits: Claims between co-insured persons under the same policy.
10. Third-Party Service Failure: Disruption of services from providers such as internet, electricity, or telecommunications.

You can view the complete exclusions in the policy document or through the Jenius app.

What are my obligations as a Cyber Protection participant?

As a participant, your responsibility is to make sure that:
1. Data accuracy: Participants must complete the life insurance application form with accurate and complete information, including personal data and health conditions. Errors or incomplete data may result in policy cancellation. Prudential reserves the right to reject a policy application if it does not meet the applicable requirements and regulations.
2. Document understanding: Participants must read and understand the life insurance application form and the insurance benefit illustration sheet in the Product and Service Information Summary (RIPLAY), both personal and general, before agreeing to and digitally signing it through the purchase confirmation in the Jenius app.
3. Premium payment: Participants must pay the premium for one year in full before the policy is issued.

What are the requirements to become a Cyber Protection participant before buying a policy?

Make sure you have a Jenius account and have updated your personal data. You also need to ensure that your age is above 17 years old.

If all requirements are met, you can proceed directly to apply for Cyber Protection through the Jenius app.

Are there any health requirements or medical checkups needed to buy Cyber Protection?

No. You can immediately have Cyber Protection without needing to undergo medical examinations.

What should I do when my age is said not to meet the requirements, even though I am still within the insured age requirement range?

If this happens, you can update your data first through the Edit Profile feature in the Jenius app.

After completion, recheck the recap page to ensure your data is correct.

Can I buy Protection for family or others?

For Cyber Protection, you can only buy a policy for yourself. Payment or purchase of Protection for others is not yet available at this time.

If I already have Personal Cyber Protection by MSIG elsewhere, can I still buy it again in the Jenius app?

Yes. Purchases can be made as long as they meet product requirements.

Can I transfer my policy to another person?

No. The policy will always be registered under the name of the policyholder, which is the person who bought Cyber Protection from the Jenius app.

What protection plan options are available on Jenius?

There are 3 plans you can choose from:
– Silver: Affordable price, with basic benefits, covers digital crimes involving funds & transactions in the Jenius app.
– Platinum: Mid-range price, with moderate benefits, covers digital crimes involving funds & transactions in the Jenius app.
– Ultimate: Premium price, with the highest benefits, covers digital crimes involving funds & transactions in all digital banking applications.

For premiums, detailed benefits, and other information, you can check in the Jenius app.

The protection period is valid for 12 months and purchases can be made directly in the Jenius app.

What are the differences between each Cyber Protection plan?

The differences between each plan lie in:
– The maximum claim limit per incident.
– The total annual protection coverage amount.
– The annual premium.

Specifically for the Ultimate plan, coverage extends to all digital banking applications.

You can check the benefit details and prices in the Jenius app.

What are the details of the online shopping reimbursement benefit?

When you have Cyber Protection, your losses from online shopping fraud or stolen payments will be covered up to IDR 50,000,000.

The coverage amount will follow the plan you have chosen. For the premium, detailed benefits, and the current sum insured, you can check in the Jenius app.

What are the details of the protection from cybercrimes benefit?

When you have Cyber Protection, your losses from money theft through phishing, online identity theft costs, or extortion will be covered up to IDR 50,000,000.

The coverage amount will follow the plan you have chosen. For the premium, detailed benefits, and the current sum insured, you can check in the Jenius app.

What are the details of the damaged device cost replacement benefit?

When you have Cyber Protection, your device replacement costs due to virus or malware damage will be covered, up to IDR 50,000,000, when repair exceeds replacement cost.

The coverage amount will follow the plan you have chosen. For the premium, detailed benefits, and the current sum insured, you can check in the Jenius app.

What is a waiting period, and is there a waiting period for Cyber Protection before coverage starts?

A waiting period is a specific time frame that must pass after purchase before the policy holder or beneficiary can file a claim.

There is no waiting period for Cyber Protection.

How to buy Cyber Protection through the Jenius app?

To find Cyber Protection in the Jenius app:
1. On the Home page, open the Wealth page from the bottom navigation
2. On the Wealth page, select Insurance
3. Scroll to the Cyber Protection area, and select View Details
4. The product detail page will display information about insurance benefits, terms and conditions, and other information you need to study

To purchase:
1. On the product detail page, tap Buy
2. Select the plan that suits your needs, then tap Continue
3. Make sure all information is correct before tapping Continue
4. On the terms and conditions page, read all documents, agree to the statements, then tap Confirm
5. Make sure that all information is correct, then tap Buy Protection
6. Enter your password then submit the application

Your Active Balance will be debited for the amount of the selected premium, and the policy will be issued within a maximum of 2 working days after MSIG approves your application.

How long is the validity period of Cyber Protection on Jenius?

The validity period of Cyber Protection after purchase is 12 months.
What should I do if the data that appears on the recap/purchase confirmation page for Cyber Protection does not match my actual data? “If that happens, you can update your information first through the Edit Profile feature in the Jenius app.

Once you’re done, you can restart the Cyber Protection purchase and make sure your information is correct on the purchase confirmation page.

What if I send wrong data when I’m buying Cyber Protection?

If this happens, you can immediately contact MSIG by phone at 1500 674 or email [email protected].

Mention the problems you face so MSIG can immediately serve the data changes you need. If you are asked to provide a policy number, you can open the Wealth page from the bottom navigation menu, select Insurance, find the Cyber Protection box, and tap that box to see the policy number in the Protection Details.

What if I want to update my data in Cyber Protection, such as changing my name, phone number, email, or beneficiary name?

You can contact MSIG by phone at 1500 674 or email [email protected] and request the data changes you want.

If you are asked to provide a policy number, you can open the Wealth page from the bottom navigation menu, select Insurance, find the Cyber Protection box, and tap that box to see the policy number in the Protection Details.

Can I buy Protection again even though my Protection application was rejected in the Jenius app?

You can confirm rejection info or policy repurchase by contacting MSIG by phone at 1500 674 or email [email protected].

What method can I use to pay premiums?

You can use Jenius Active Balance to pay premiums easily and practically.

Will I get a notification if my purchase is declared successful or failed?

Yes. If the insurance purchase application is rejected, you will get a notification from the Jenius app.

How long is the Protection purchase process on Jenius?

The Cyber Protection purchase process on Jenius takes a maximum of two working days after the application is successfully sent.

Can I have multiple policies in the Jenius app at the same time?

Yes, as long as the policies come from different Protection provider partners.

Can I pay premiums monthly?

No. Currently only premium payments for 12-month coverage periods are available directly, and payments are made when purchase transactions occur.

If my purchase fails, where should I make a complaint?

You can contact SMBCI Care by phone at 1500 365 or email [email protected]. You can also contact MSIG at 1500 674 or email [email protected].

If I buy Cyber Protection on Jenius, will my beneficiaries be informed about the purchase?

No. You can inform your beneficiary or beneficiaries about this Cyber Protection purchase independently.

Can I cancel the policy purchase while it’s still being processed?

No, you can’t cancel your policy purchase while it’s still being processed.

How long is the policy issuance process after successful purchase?

The policy will be issued within a maximum of 2 working days after purchase. If it takes longer than that, contact MSIG by phone at 1500 674 or by email at [email protected] to confirm your policy status.

Why hasn’t my policy been issued after 2 working days?

You can check the policy issuance status through the app. You can go to the Wealth page from the bottom navigation menu, select Insurance, find the Cyber Protection box, and tap on it to view the policy status on the Protection Details page.

You can also contact MSIG by phone at 1500 674 or via email at [email protected] to confirm your policy status.

If my policy issuance is declared failed, where should I make a complaint?

You can contact MSIG by phone at 1500 674 or via email at [email protected] to confirm your policy status.

Why haven’t I received the policy in my email, even though the policy has been declared issued?

If this happens, you can immediately contact MSIG by phone at 1500 674 or email [email protected].

If you are asked to provide a policy number, you can open the Wealth page from the bottom navigation menu, select Insurance, find the Cyber Protection box, and tap that box to see the policy number in the Protection Details.

Will I get a hard copy of the policy?

No. Personal Cyber Protection is a digital insurance product so it’s not possible to send hard copies. The policy is only a soft copy document that will be sent to the email registered on Jenius.

Where can I download my policy?

The policy will be sent and can be downloaded via the email registered on the Jenius app.

How to monitor the policy through the Jenius app?

1. On the Home page, select Wealth from the bottom navigation menu
2. On the Wealth page, click Insurance
3. Scroll to the Cyber Protection area and tap the box with your Personal Cyber Protection product

You can see all detailed insurance information including active period, policy number, benefits, insurance exclusions, and other info on the Protection Details page.

Can I access my policy through the partner’s app?

You can confirm this directly to MSIG by phone at 1500 674 or email [email protected].

What is meant by active period and grace period?

Active period is the policy validity period. Grace period is the period when the policyholder gets a deadline to pay the policy renewal premium. The grace period starts from the premium due date. The number of days for the grace period can vary, depending on the Protection provider.

How long is the active period of the Personal Cyber Protection policy?

The membership or coverage period of the Personal Cyber Protection policy you buy on the Jenius app is 1 year.

Is the policy automatically renewed or do I need to manually repurchase?

After the policy becomes inactive, you need to manually repurchase the policy.

Will I receive notifications when the policy reaches the grace period or approaches the end of the active period?

Yes, you will receive notifications when the policy reaches the grace period or approaches the end of the active period. You can check the policy status on the app.

Can I renew if the active policy period has ended?

Yes, you can renew your policy starting from 5 days before the policy expires until 15 days after the policy expires (grace period).

Can I cancel my policy?

You can cancel your policy. Contact MSIG by phone at 1500 674 or email [email protected] to confirm this policy.

What happens to my premium if no life risk occurs during the policy period?

If the policy validity period of 12 months has passed, the policy will automatically become inactive and can be purchased again.

How do I claim daily hospitalization benefits, ICU treatment, surgical procedures, and emergency care due to accidents?

First, prepare the claim documents:
1. Claim Form: Name, Identity Number, E-mail, Mobile Phone Number, Chronology of the event.
2. Bank Account Number.
3. Confirmation Letter from the Bank.
4. Police Report.
5. Proof of Payment.
6. Fraudulent Advertisement (for Online Shopping claims).
7. Other supporting documents (if required).

Then, go to the MSIG website and submit your claim: https://www.msigonline.co.id/

How do I check the status of claims made to MSIG?

Claim status can be confirmed through partners directly. You can contact MSIG by phone at 1500 674 or email [email protected] to confirm your claim status.

If I am a beneficiary or beneficiary, what account can I use to receive claims?

As a beneficiary, you can include any account number you have on the claim form page. This form will be provided by MSIG when you file a claim.