Personal Accident Insurance

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 You can apply anywhere and anytime, personal accident insurance can also give you a myriad of benefits.

Having personal accident insurance is very important in order to provide financial relief in the event of a risk of an accident, thus making the family feel more comfortable and safe.

Guarantees and police

Personal accident insurance can guarantee you when you are active for 24 hours, wherever and whenever. Because of this, personal accident insurance has a wider scope than work accident insurance or traffic accident insurance.

Guarantees Incurred

• Accidental death
• Compensation 100% of the sum insured
• Physical disturbance due to accident
• Compensation proportional to the sum insured
• Hospital costs due to accidents (usually additional coverage)
• Maximum compensation for the sum insured

Uninsured Guarantee

• Accidents that occur due to intentional or carelessness of the person who insures or the Insured
• Fighting, committing or attempting suicide or committing a criminal act
• Some complaints of illness, such as brain disease, mental disorders or the Insured is in a drunken state
• Pregnancy, childbirth, miscarriage, surgery or other treatment or treatment
• Earthquakes, volcanic eruptions or ocean waves
• Other exceptions as stated in the policy.

Required Terms and Documents

In applying for personal accident insurance, you need to meet a number of requirements and prepare the required documents, in order to expedite the submission process.

Requirements to be Fulfilled

• Minimum age of the Insured is 16 years and maximum is 55 years.
• If the Insured has a hobby in the highest class, it must be included in the highest class
• The size of the Sum Insured is seen from the reasonable
• The guarantee applies to foreigners / Indonesian citizens who are domiciled in Indonesia

Documents Required to File a Claim

• A claim submission report form accompanied by a chronology of accidents that occurred/accident reports
• Original police or photocopy
• Photocopy of Identity Card (KTP)
• Original receipt or photocopy from doctor, hospital, laboratory, pharmacy, where the Insured is undergoing treatment or medication
• Other relevant documents

How to Register

Registration for personal accident insurance at CekAja.com can be done online very easily and quickly. In fact, you can do it anywhere and anytime.

Steps to Register

In applying for personal accident insurance, you only need to fill out a form through the CekAja.com website and follow all the steps on the screen.

Requested Data

• Age
• Type of work
• Medical history
• A risky hobby
• Income/salary to determine the sum insured

Advantages and Benefits of Having Personal Accident Insurance

Having personal accident insurance can provide you with insurance for your family's living and future costs if the Insured suffers an accident that causes permanent disability until death.

Profit

• Reimbursement of all medical expenses/treatment at the hospital caused by an accident, so hospitalization is required
• Total and permanent partial disability risk insurance coverage
• Protect family members up to a maximum of 65 years old
• Protection 24 hours a day, 7 days a week anywhere in the world
• Reimburses actual costs for medical treatment due to an accident, both inpatient and outpatient

Some Accident Insurance Vendor Products in Indonesia

• AIG Direct Accident Insurance
• Tokio Marine Accident Insurance
• Sinar Mas Accident Insurance
• Cigna
• AXA Group
• ACE Group
• Waha Tata Accident Insurance
• Zurich
• Commonwealth Life
• Prudential
• Mercy Services

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