Policy Terms & Conditions
RU
Rizki Underwriter Senior Underwriter

Policy T&C — per product

Underwriting rules applied to each applied case. Rules are data, not code — editing saves a new version (old versions stay for audit).

Asuransi Jiwa (Life)

Rule
Param
Param
On fail
Loading %
Batas usia masuknumeric_range · age
Batas BMInumeric_range · bmi
Cap uang pertanggungan (retensi)threshold · sum_insured
—
Bukti medis wajibthreshold · sum_insured
—
Loading perokokboolean_flag · smoker
—
Kelas pekerjaanenum_class · occupation_class
class 1–2 pass · 3 loading · 4 refer/decline
Riwayat keluarga beratboolean_flag · has_serious_family_history
—

Asuransi Kesehatan (Health)

Rule
Param
Param
On fail
Loading %
Batas usia masuknumeric_range · age
Kondisi pre-existingboolean_flag · has_preexisting
—
Batas BMInumeric_range · bmi
Cap uang pertanggunganthreshold · sum_insured
—

Personal Accident (PA)

Rule
Param
Param
On fail
Loading %
Batas usia masuknumeric_range · age
Kelas pekerjaan (PA)enum_class · occupation_class
class 1–2 pass · 3 loading · 4 refer/decline
Aktivitas berbahayalist_exclusion · hazardous_activities
Cap uang pertanggunganthreshold · sum_insured
—