Life Insurance

icon CS
Questions?
Ask Us
Chat
Chat
Whatsapp
Whatsapp
Email
Email
Call
Call
Discount
20
Discount Life
Give the best gift for your precious ones with life insurance.
Promo Code
QOALAJIWA20

The Best Life Insurance to Protect Your Family

The best life protection for you from trusted insurance providers!

Without Return of Premium

The best life protection for you from trusted insurance providers!
Term life insurance that returns >100% of your premium if you outlive the policy period.

With Return of Premium

Term life insurance that returns >100% of your premium if you outlive the policy period.
Help me find the best product
Skip all the hassle by one simple step!
Free
WhatsApp
Chat on WhatsApp
Get the best insurance that suits you fit!
It is hard to find the perfect insurance. But don't worry, our insurance team from Qoala will contact and help you to find the perfect insurance according to your lifestyle.
Full Name
Phone No.
Hubungi dengan WhatsApp
+62
Email

Enjoy the best life insurance benefits:

Affordable Premium

Affordable Premium

starting from Rp22.000
Coverage for Death

Coverage for Death

up to Rp2 Billion
Easy and Quick Registration

Easy and Quick Registration

Get your policy in less than a minute
Instant Policy

Instant Policy

No more waiting to be protected!

Why Qoala?

Easy Compare

Transparent & Unbiased

Convenient Purchase

How easy it is for you to buy life insurance in Qoala.app?

Choose

Choose the life insurance according to your needs

Fill-in

Complete your personal information and make payment

Received

Receive your policy in your email inbox

FAQ Life Insurance

Life insurance is a protection program for yourself or others (such as your family members) for any financial losses from life risks, including the risk of death.
The types of life insurance products are term life insurance and whole life insurance.
Term life insurance is a type of life insurance that protects the insured for a specified period. Generally, the contracts are offered for five to 20 years with a fixed premium and are considered the cheapest premium.
Whole life insurance is a type of life insurance that provides lifelong protection. Although it’s lifelong protection, there is still a maximum age limit of 100 years.
The basics of a life insurance contract include valuable principle (having the policy value for a certain amount of money over a certain period and guaranteed as the right of the policyholder), unilateral principle (only one party—the insurance company—makes a legally enforceable promise), and aleatory principle (one party gives something of value to another in return for a conditional promise).
Life insurance benefits include compensation for death due to natural causes or accidents, and compensation for total permanent disability due to accidents.
The difference between life and health insurance lies in the types of benefits. Generally, health insurance will only cover hospital costs (for hospitalization, doctors, medicines, and procedures) to operating costs based on the conditions stated in the policy. Meanwhile, life insurance covers financial losses if a customer dies or has a physical disability.
Life insurance policy is an agreement contract document with legal force between the insurance company and the policyholder. In this contract, the insurance company is willing to bear the insured's risks within a certain period according to the agreement. Meanwhile, policyholders are obliged to pay the premium.
Pure life insurance provides protection for yourself or others against financial losses from life risks such as death, without any combination of investment or savings products at all.
In general, life insurance includes pure life insurance and unit-linked life insurance. The difference is that unit-linked life insurance offers additional benefits in the form of investment or savings products. In contrast, pure life insurance does not have it at all.
Sharia life insurance or insurance based on Islamic religious law is a form of protection from the risk of death and physical disability based on the principle of mutual help and mutual protection between participants through contributions to the Tabarru Fund. The Tabarru Fund is a collection of benevolence funds from the contribution money of sharia life insurance participants who agree to help each other in case of risk between them.
Online life insurance is an insurance service that aims to protect financial losses due to someone's death with all procedures that are supported by a comprehensive online system.
Accidental death insurance is another term for life insurance because it provides protection benefits if an insured dies during the coverage period, either died due to illness or an accident. However, death insurance alone does not cover other risks such as a partial disability or total disability.
You can buy life insurance products and make the premium payments digitally through Qoala.app. After that, Qoala will send a request for an insurance policy to apply to the insurance company. If approved, the insurance company and Qoala will issue an electronic policy certificate. This e-policy will be sent to the customer via e-mail.
Claims can be made digitally by sending a claim form, personal identity, family card, death certificate or doctor's letter stating that the participant has a total permanent disability that cannot be cured, and a police certificate if needed. Ensure that all claim documents are complete and sent no more than the maximum limit for submitting a claim for benefits from the date of the disaster as specified in the policy.
  • Acquisition fees: costs that need to be paid to obtain service as an insurance customer, including policy issuance, payment of agent fees, and insurance company’s operating costs.
  • Automatic premium loan: automatically takes the cash value you have on the policy if you postpone your premium payment until the due date.
  • Cash value: an amount of money, which is the redemption value of the policy in a certain period and is guaranteed as the right of the policyholder.
  • Claim: a formal request submitted by the policyholder to the insurance provider to pay the policyholder's rights according to the existing procedure.
  • Insured party: the party who is guaranteed a loss when a risk occurs according to the policy.
  • Lapse: a condition of a life insurance policy that is canceled due to unpaid premiums beyond the grace period of payment.
  • Policy: a written and legally enforceable insurance cooperation agreement between the insurance company and the policyholder.
  • Premium: nominal payment for life insurance policies that have been approved by the policyholder.
  • Rider: additional insurance benefits that you can include in the basic insurance that has been selected. Generally, riders cannot be purchased separately.
  • Sum insured: an amount of money that must be paid by the insurance company in the event of a claim from the policyholder for risks that have been guaranteed in the policy.

Find out more our products

Car

Car

Motorcycle

Motorcycle

Health

Health

Hospital Cash Plan

Hospital Cash Plan

Tropical Disease

Tropical Disease