Terms and Conditions


In these Terms and Conditions, the use of the words "we" refers to the msigonline.co.id and "User" refers to anyone who uses the services of msigonline.co.id (the “Services”).

Msigonline.co.id provides online services for users who plan to buy any insurance products provided by PT. Asuransi MSIG Indonesia. The services are provided free of charge.

The payment of premium can only be made through the payment channels we have provided.

The currency we use is Rupiah (IDR).

General Provisions

  1. Pursuant to the applicable law, we are fully entitled to restrict, block or terminate services of a User's account, prohibit access to the content and services, and take legal steps to maintain other Users, if we consider that the User violates the applicable laws, infringe intellectual property rights of the relevant parties, or commit an offense that constitutes violation under these Terms and Conditions.
  2. The User understands that the User’s content (except credit card information) can be transferred without being unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to the technical requirements of networks or devices. Credit card information is always encrypted during transfer over networks.
  3. The User agrees not to produce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services without express written consent of PT. MSIG Insurance Indonesia
  4. The section headings and subheadings in these Terms and Conditions are for only convenience, and will not limit or affect the Terms and Conditions on this page.

Account Activation

By agreeing to these Terms and Conditions, the User is at least 18 years or older.

The User may not use the Services and our products for illegal or invalid purposes. Any international User is automatically deemed to have agreed to comply with the applicable law in Indonesia regarding acceptable online activities and content. If the User is found to have engaged in any illegal use or misuse of our Services, PT. MSIG Insurance Indonesia will suspend the User’s account.

Any violation of one of the Requirements as specified in these Terms and Conditions will result in the immediate termination of Services for the User.

Accuracy, Completeness and Timeliness of Information on This Website

We endeavor to continue our best to provide information and Services to ensure they are optimal, so the User feel comfortable and safe, but we cannot guarantee that the information provided on the Services are fully accurate, complete, and updated.

The materials on the Service are provided only as general information and should not be relied upon or used as the only basis for making significant decisions without consulting with other sources of more accurate, complete, and updated information.

We have the right to change the content of the Services at any time without prior notice to the User.

The User agrees that any consequences arising from reliance upon this material on the Services are borne by the User. The User is obliged to monitor changes to the Services.

Use of the Website

To access the Services, the User must be at least 18 years old. Access to and use of the Services are governed by our Terms and Conditions and Privacy Policy. Using the Website, the User agrees to our Terms and Conditions and Privacy Policy. If the User does not agree to comply with the regulations, the User is not allowed to access or use the content or Services provided by Msigonline.co.id.

We have at any time the right to display, modify, delete, edit, remove, or change any data, content, materials, features or information displayed on the Services without prior notice. The User is responsible for checking these Terms and Conditions pages periodically to see any changes. The User’s continued use of or access to the Services following changes is a form of acceptance of the changes.

Limitation of Liabilities

After the User signs up as a registered User of our Services, we can use the data of the User for the following purposes:

  1. to contact the User to verify the personal data provided, or to request the required additional information
  2. to send information about products and services that the User may find interesting
  1. PT. MSIG Insurance Indonesia gives the User freedom to use the Services in accordance with the Terms and Conditions.
  2. PT. MSIG Insurance Indonesia is not responsible for the wrong data the User enters, which results in the User’s inability to make a claim.
  3. PT. MSIG Insurance Indonesia does not guarantee that the Services will be uninterrupted, timely, secure, or error free.
  4. PT. MSIG Insurance Indonesia does not guarantee that the result that from the use of the Services will be accurate or reliable.
  5. PT. MSIG Insurance Indonesia may at any time remove or cancel the Services for an undetermined time without prior notice.

Prohibited Uses

The following uses are prohibited:

Any use or attempted use of the Services (i) for purposes which are unlawful, unauthorized, fraudulent or other malicious intentions more, or (ii) that may damage, disable, overburden, or impair any server, or network(s) connected to any server, or (iii) to interrupt other party's use and satisfaction gained from using the Services, or (iv) to gain access to an unauthorized account, computer system or network sharing which is connected to the server or systems through hacking, stealing passwords or other means, or (v) to access the system, data or information that is not intended by its owner to be accessed by the User, or (vi) to in any manner obtain materials or information not intended by the owner to be given, or (vii) for any other uses other than for the benefit of businesses that become the purpose of the Services.

In addition, in connection with the User's use of the Services, the User agrees not to:

  1. Upload or send any messages, information, data, text, software or images, or other contents (the "Contents") that are unlawful, harmful, threatening, offensive, harassing, injurious, libelous, abusive, obscene, defamatory, or other matters that are not acceptable, or that might violate the rights, privacy or publicity of others.
  2. Upload or insert files that contain viruses, worms, or corrupt files, or any other similar software or programs that may damage the operation of the computer or property of others;
  3. Use the communication features of the Services in a way that negatively impacts the availability of its resources to other users (e.g., excessive comment, use of capital letters, or continuously flood with repetitive posts and texts);
  4. Violate any applicable laws, whether local, regional, national or international laws;
  5. Manipulate or display the Services using the technique of framing, mirroring or similar navigational technology or create direct links to any part of the Services in addition to the main page, www.msigonline.co.id, in accordance with limited permissions and access to the Website as described above;

Security and Privacy Activities

We are very concerned about the User’s security and convenience when using the Services. Therefore, we have a security system to provide assurance to the User that the User's activities and information are secure.

When the User uses a public computer, the User must always log out/sign out after completing the activity.

The User must make sure the user ID and password / PIN of the User’s account are not known by anyone, in order to avoid the misuse by others.

Responsibilities of the User

When we ask the User to provide data, including personal data, the User is solely responsible for any information that the User provides to us. The User is required to provide information truthfully.

The User is solely responsible for their behavior while using the Services. The User agrees that the Services are only intended for lawful purposes and in accordance with the applicable terms and conditions.

The User is expected to:

  1. Maintain the confidentiality of the password that the User has created.
  2. Restrict access to the User’s computer or mobile device.
  3. Agree to accept full responsibility for all activities on the User’s account.
  4. Mandatorily inform us if there is a security breach or misuse of the User’s account.

Third Party and Data Confidentiality

The Services may contain links to Websites operated by parties other than Msigonline.co.id. The User hereby acknowledges and agrees that the act is based on the User’s personal responsibility. The User that enters another Website is beyond our control and responsibility.

Governing Law

The Terms and Conditions shall be governed by and construed in accordance with the applicable laws of the Republic of Indonesia. Thereby, the User agrees and undertakes to submit to the jurisdiction of the courts in the territory of the Republic of Indonesia.


If there is a provision that is unenforceable or invalid, the remaining provisions will remain valid and enforceable to the extent that it is permitted by the applicable law, and it will not affect the validity and enforceability of other provisions.