中国人寿印尼隆重介绍新产品

China Life Insurance Indonesia proudly present

CLI
团体意外保险
CLI Group
Accident Protection Plan

保护您的员工免受意外风险的全面解决方案
A comprehensive solution to protect your employee towards accidental risk
 中国人寿是全球领先的保险集团
China Life is the world's leading Insurance Group
中国最大的国有金融保险公司——中国人寿连续 20 年跻身《财富》世界 500 强行列，
2022 年位列第 40 位，品牌价值超过 4520 亿元 China‘s largest state-owned financial
insurance corporation — China Life Insurance Group, has joined the ranks of Fortune
Global 500 companies for 20 consecutive years, and was ranked 40th in 2022, with a
brand value exceeding RMB 452 billion.
。
中国人寿（集团） 中国人寿（集团）
¥ 452 2022 年品牌价值（人民 ¥ 750 总保费收入
¥5.7 2021 年总资产（元） 2021 （人民币）
币）
Tril China Life (Group) Bil China Life (Group) Bil China Life (Group)
Total Asset in 2021 (RMB) Brand Value in 2022 Total Premium Income in
(RMB) 2021 (RMB)

中国人寿（海
年财富世界 500 强企 中国人寿（海 外） 2021 年 Standard
外） Moody 2021 年财 & Poor 财务实力评级
A
业排名 Fortune Global
40 500 Company Ranking
in 2022 2022
A1 务实力评级 China Life
Insurance (Overseas)
China Life Insurance
(Overseas) Standard &
Moody’s Financial Poor’s Financial
Strength Rating in 2021 Strength Rating in 2021

2
Internal Use Only
 作为公司，我们对最宝贵的资产：员工 , 我们
面临哪些风险？ What are the risks that facing
us as the company toward our most valuable
asset: Employee?

 自然灾害、火灾等外部因素
External factors such as natural disaster, fire
 高流动率、人才、关键角色、关键人物的流失可能导致绩效低下和业务失
败
High turn over, losing talent, key role, key person may lead to
low performance and business failure
 意外事件可能导致公司成本增加和重大损失 Unexpected events may
lead to increase company costs and loss
 目录
CONTENTS

01. 产品介绍 02. 覆盖范围

Product Introduction Scope of Coverage 03. 资格 Eligibility
 什么是 CLI 团体意外保险计划？  承保福利  条款和条件 Terms and Conditions
 What is CLI Group Accident Protection Plan?  Coverage Benefits
产品优势 Product Advantages 其他特性 Other Features

04. 产品优势 05. 我们的服务

Coverage Exclusion Our Services
 排除清单 List of Exclusions  支持团队 Support Team
什么是 CLI 团体意外保险计划
What is CLI Group Accident Protection
Plan?

CLI 团体意外保险计划是中国人寿印尼公司（ CLII ）发行的个人意外保险产

品（团体），提供以下保险保障选项：
CLI Group Accident Protection Plan is a personal accident insurance
product (group) issued by China Life Insurance Indonesia (CLII) which
provides the following coverage benefit options

- Accidental Death Benefit 意外身故赔偿

- Accidental Permanent Disability Benefit 意外永久伤残福利
- Medical Treatment Benefit due to Accident 意外医疗
 C L I 团 体 意 外 保 险 计 划
C L I G R O U P A C C I D E N T P R O T E C T I O N P L A N

产品优势
Product Advantages
多项索赔 Additional Benefit Scheme
产品灵活
Product Flexibility 每项保险福利都有自己的保额，参与者可以针对不同
类型的风险提交多项索赔 Every coverage benefit has
每个保单持有人都可以根据公司的需求或偏好定制承保范围 Every
its own sum assured and is possible for the participant
policyholder can customize the scope of coverage depend on the
to submit multiple claims for different type of risks. 。
needs or preference of the company. 。

覆盖全球 团体保险产品责任齐全 Complete Range of

Coverage benefits are valid everywhere Group Insurance Products
CLI 集团意外保险计划的承保范围为全球 Coverage are
for CLI Group Accident Protection Plan is
配合 CLII 提供的人寿保险及医疗保险，完成意

worldwide. 。 外保障保险计划。 Complete the accident

支持多种货币 Multi
Currencies protection with life and health protection
提供印尼盾 (IDR) 或美元 (USD) 或人民币 (CNY) provided by CLII.
Available in Indonesian Rupiah (IDR) or US Dollar (USD)
or Chinese Yuan (CNY)

意外身故责任
Accidental Death Benefit
 因意外立即死亡或意外发生后
最多 90 天而死亡。
 Death due to accident which
happened immediately or
max. 90 days after the said
accident.
 CLII 将向受益人支付 100%
保额 CLII will pay 100% of
sum assured to the
beneficiary
S C O P E
承保责任
Coverage Benefits
意外永久伤残责任
Accidental Permanent Disability Benefit
 因意外导致的永久性残疾，直接
发生或最长不超过 90 天从意外
发生。 Permanent disability due
to accident which happened
immediately or max. 90 days
after the said accident.
 CLII 将根据永久残疾的严重程度
向参与者额外支付最高 100% 的
保额 CLII will pay additional max.
100% sum assured to the
participant, following the severity
of permanent disability. 。
覆 盖 范
O F C O V E R A G E
围
 例如，双眼完全失明， CLII 将
支付 100% 保额。 For
example, total lost of sight from
both eyes, CLII will pay 100%
sum assured.
 可以索赔多重残疾，但不得超过
意外永久残疾保额的 100% It is
possible to claim multiple
disabilities but not exceeding
100% of accidental permanent
disability sum assured.
。
意外医疗责任
Medical Treatment Benefit
due to Accident
 参与者因意外事故在医院接受的急救
（ 1x24 小时）。 First aid (1x24
hours) in the hospital received by
participant due to accident.
 CLII 将支付医院帐单中注明的医疗
费用，但不超过医疗保额的
100% 。 CLII will pay medical
expense as stated in the hospital
billing but not exceeding 100% of
medical treatment sum assured.
 CLII 将向参与者支付保额。 CLII will
pay sum assured to the participant.
其他组合
O T H E R F E AT U R E S

团体产品组合
GROUP PRODUCT PORTFOLIO

CLII 还提供其他类型的团体保险产品，以满足
CLII Excellent CLII Excellent
公司对员工保障的需求。 Group Health Care ， CLI 团体医疗保 Group Protection CLI 团体定期寿险
CLII also provide other type of group 险
insurance products to fulfill company needs Product Features 产品特点 :
on the protection for the employee. Product Features
Life Coverage 人寿承保 (Death Benefit
我们相信员工是公司稳定发展必须珍惜的宝贵 产品特点： : 身故福利 )
资产。 We believe that employee is the Hospitalization and Surgery Benefit 住院
Rider Options 附加可选福利 :
great asset that must be taken care of for the 和手术福利
Accidental Death Benefit 意外身故福利
stable growth of the company.
Rider Options 附加可选福利 : Accelerated Total and Permanent
Outpatient Benefit 门诊 Disability 完全和永久残疾
Maternity Benefit 分娩
Dental Benefit 牙科
Glasses Benefit 眼镜
 投保人 Participant
Policyholder 被保人
商业实体，如公司、有限公司、  员工 Employee
资格、条款和条件 事务所、有限合伙企业等。
 员工家庭成员
Business entity such as
ELIGIBILITY, TERMS & CONDITIONS company, limited company,
Family Member of
firm, limited partnership & the Employee
others.

保什么 参保 Enrollment
 至少 100 员工 低于 100 ，保费率
投保年龄 Entry
Age
STANDARD COVERAGE 将有所调整
 Min. 100 participants (If less than
 员工或配偶： 18 - 64 岁 Employee
or spouse:
100 employee there will be 18 - 64 y.o 儿童： 1 - 24 岁，未婚且
insurance premium adjustment) 未工作。 Children: 1 - 24 y.o, not
Mandatory for all employees 所有 married & not working.
员工必须参加
Sum Assured 保险金
其他 Non-standard
额 Coverage
一个员工最大保额 :
15 亿印尼盾 , or 或 投保人可以自定义条款和条件，
Max. Sum Assured per 但须经 CLII 批准
employee IDR1.5 billion Policyholder can customize
95,000 美元、 USD95,000 the terms & conditions,
or 或 subject to CLII approval.
 681 ， 000 人民
币， CNY681,000
不保什么
COVERAGE EXCLUSIONS
CLII 设置了与以下事件有关或由于以下事件而发生的意外风险的排除列表： CLII
set the list of exclusion of accidental risk which happened in connection with or as
a result of the following events :
 自杀、试图伤害或危险或伤害自己或他人 Suicide, a trial to harm or danger or
injuring oneself or other parties
 危险和高风险的活动或爱好或运动 Dangerous and high-risk activity or hobby or
sport
 危险物质，如爆炸物、酒精、毒品、核、放射性、化学或生物反应、毒气
Dangerous substance, such as explosive materials, alcohol, drugs, nuclear,
radioactive, chemical or biological reactions, poison gas
 非法行为、犯罪行为、斗殴 Unlawful acts, criminal acts, fights
 内乱、参与内乱或恢复安全和公共秩序 Civil unrest, taking part in civil unrest or
security and public order restoration
 非意外类 Non-accidental category
 非官方商业航班和直升机 Irregular flight and helicopter
 意外发生在承保生效日期之前 Accident happened prior to coverage effective
date
免责声明：有关除外责任的完整列表，请参阅 CLII 签发的保单合同或参与者证书。
Disclaimer: For the complete list of exclusions please refer to the policy contract
or participant certificate issued by CLII.
 我们的服务
O U R S E R V I C E S

认识我们的支持团队
MEET OUR SUPPORT TEAM
Andrew Teguh dr. Christine Felicia

销售和保单服务 Distribution and Policy 客服 Customer Care: 索赔和客户服务

Services (62 21) 3119 5519 Claim and Customer Service
中文，印尼文，英文 （ 0853-8976- customercare@chinalife.co.id 印尼文和英文 Indonesian and English service
1417 ） (62 21) 3119 5519
Chinese, Indonesian and English service
THANK YOU

谢谢