Legal
Terms of Service
Effective as of August 16, 2026.
Last updated on August 16, 2026.
These Terms of Service govern your use of KLAIMQU INDONESIA's ("Klaimqu," "we") service. By accessing or using our service, you agree to the following terms along with our Privacy Policy.
About Klaimqu's service
Klaimqu is an assistance service that helps you find the right hospital, coordinates your visit, and supports your hospital insurance claim process. Klaimqu is not a medical provider, a hospital, or an insurance company. We do not provide diagnoses or medical advice — medical decisions always remain with qualified medical professionals.
User eligibility
This service is intended for people aged 18 and over, or for a parent/guardian submitting a request on behalf of a family member.
How the service works
You submit your care needs through our assistance request form. A Klaimqu team member will contact you to understand your needs, help you explore hospital options, and coordinate the next steps, including your insurance claim if relevant. The final decision on which hospital and provider to use always remains yours.
Membership and fees
Klaimqu Membership is currently free for the first 2 years, through December 2026. After that period, paid membership is optional — we won't charge you automatically. We'll let you know the regular membership fee (Rp199,000 per year) beforehand, and paid membership only becomes active once you explicitly agree to it. An official payment method for paid membership is being finalized.
User responsibilities
You're responsible for providing accurate and truthful information when submitting an assistance request. For requests involving coordination with a hospital or insurer, you may be asked to provide us with an official Power of Attorney (Surat Kuasa).
No guarantee of outcome
Klaimqu does its best to help you find the right hospital and support your insurance claim, but we do not guarantee that your insurance claim will be approved, that a hospital will accept your preferred visit schedule, or any other particular outcome. Those decisions rest entirely with the relevant hospital, medical professionals, and insurer.
Limitation of liability
Klaimqu helps coordinate your administrative process, but is not responsible for medical decisions made by a hospital or medical professional; approval or denial decisions made by an insurer; or disruptions to third-party services we use, including Google Forms. Klaimqu works to help the process run smoothly, but those final decisions are entirely outside our control. To the extent permitted by applicable law, Klaimqu's liability for losses arising from your use of this service is limited to the amount of membership fees you've paid us in the preceding 12 months.
Indemnity
You agree to indemnify and hold Klaimqu harmless from any third-party claims, losses, or demands arising from inaccurate information you provided, or from your use of Klaimqu's service in violation of these Terms.
Force majeure
Klaimqu is not liable for delays or failures in providing the service caused by events reasonably beyond our control, including but not limited to natural disasters, infrastructure disruptions, regulatory changes, or disruptions to third-party services we rely on.
Not medical advice
The content and guides available on the Klaimqu site are informational and do not replace consultation with a qualified medical professional.
Intellectual property
All content, logos, and materials on the Klaimqu site belong to KLAIMQU INDONESIA and are protected under applicable law, unless stated otherwise.
Changes and availability of the service
We may change, suspend, or discontinue any part of Klaimqu's service at any time, for example for maintenance or development. We'll notify you in advance where a change significantly affects a service you're actively using, whenever practical.
Termination of service
We reserve the right to suspend or terminate your access to Klaimqu's service if we find misuse or a violation of these terms. You may also stop using Klaimqu's service at any time and request deletion of your data in accordance with our Privacy Policy.
Governing law
These Terms of Service are governed by the laws of the Republic of Indonesia, including its consumer protection law. Any disputes will first be resolved through discussion, and if necessary, through the applicable legal process in Indonesia.
Changes to these terms
We may update these Terms of Service from time to time. Continuing to use Klaimqu's service after a change means you accept the updated terms.
Contact us
For questions about these Terms of Service, contact us at [email protected]. KLAIMQU INDONESIA's business registration number (NIB) is currently in progress.