As part of its strong commitment to the health and well-being of its students, Universitas Islam Internasional Indonesia (UIII) automatically enrolls all scholarship recipients in a health insurance program provided by BNI Life Insurance. This insurance is designed to ensure that students have access to quality healthcare services throughout their academic journey in
Indonesia, without the burden of unexpected medical costs.

The program provides both inpatient and outpatient coverage, helping students stay focused on their studies with the assurance that they are protected against potential health issues.

Insurance Plans: IP750 and OP250

BNI Life offers two types of policies for UIII students:

1. IP750 (Inpatient Plan 750|

• Coverage: Hospital admissions due to illness or accidents
• Benefits: Includes daily hospitalization benefits, room and board, surgeries, and other inpatient medical expenses, subject to an annual maximum limit
• Maximum Duration: Up to 120 days of hospitalization per year.

2. OP250 (Outpatient Plan 250|

• Coverage: Outpatient treatments such as general and specialist consultations, diagnostic tests, medications, and laboratory procedures
• Benefits: Reimbursement is available up to a certain annual limit, based on submitted receipts and medical documentation.

Detailed information on limits, exclusions, and specific benefits can be found in the policy document distributed to each student. All students are advised to read and understand the terms of their coverage.

Claims Submission via BNI Life Mobile Application
UIII strongly encourages students to manage and submit their claims independently using the BNI Life mobile application, which is available for both Android and iOS. This digital approach simplifies the process and shortens claim processing times

Features of the BNI Life App:

Online Claim Submission: Upload your medical receipts, prescriptions, and related documents directly through the app, without the need for hard copies

• Access to Policy Information: View your policy details, track your remaining benefits, and monitor your claim history in real time
• Customer Service Support: Contact BNI Life directly through the app for assistance regarding claims or policy information
• Notifications: Receive real-time updates on claim status and policy announcements.

Students should download and register on the app as soon as they receive their insurance
credentials to ensure they are ready to submit claims when needed.

Manual Claim Submission (Alternative Method)

For students unable to use the mobile app, claims may be submitted manually by preparing and sending the required documents:

Required Documents

• Completed insurance claim form (available from BNI Life or UIII)
• Medical summary from the treating physician
• Original payment receipts and detailed billing breakdowns
• Copies of diagnostic test results, prescriptions, or other supporting documents, if applicable.

Submission Process

• Submit all documents to the nearest BNI Life office, or
• Send scanned copies via email to: care@bni-life.co.id

Claim Processing Time:

Claims are typically processed within 7 to 14 working days, depending on the completeness
of the documentation and verification procedures.

Contact Information

For further inquiries or assistance, students may contact BNI Life through the following
channels:

• Call Center: 1-500-04K
• Email: care@bni-life.co.i
• Website: www.bni-life.co.i
• Office Locations: Visit the official website for the address of the nearest BNI Life branch.

Students may also consult the UIII Student Affairs Office for guidance related to insurance
matters.

Importance of Health Insurance for International Students

Health issues can arise unexpectedly and may interfere with academic progress if not
properly managed. By providing this insurance, UIII ensures that international students are supported in accessing necessary healthcare services, without experiencing undue financial stress.

This health insurance program reflects UIII’s broader mission to create a safe, inclusive, and
well-supported academic environment. Through the collaboration with BNI Life, students receive access to essential medical services and tools to manage their insurance efficiently, including the convenience of a mobile-based system.

Reminders

• Insurance is automatically activated for all scholarship recipients
• Download and activate the BNI Life app immediately after receiving policy details
• Keep copies of all medical receipts and reports when visiting a hospital or clinic
• Use the mobile app whenever possible for faster claim processing.

Contact BNI Life or UIII Student Affairs for help if you experience any issues with your insurance.