Policy Term
1 (one) year or as per the premium payment mode.
Currency
IDR (Indonesia Rupiah)
Premium
Premiums are payable annually, semi-annually, quarterly, or monthly.
The Coverage Period for this program is 1 (one) year or adjusted based on the premium payment frequency. The Insured shall receive Personal Accident Insurance Benefits throughout the Coverage Period.
A Group Insurance product that provides a death benefit in the event the Insured passes away due to an Accident, with a guaranteed coverage period of up to 1 (one) year.
This Personal Accident Insurance product typically has a Coverage Period of 1 (one) year and provides a maximum benefit of 100% of the Sum Insured if the Insured:
1. Passes away due to an Accident;
2. Suffers total or partial permanent disability due to an Accident;
3. Receives reimbursement for medical expenses due to an Accident, up to a maximum of 10% of the Sum Insured.
Personal Accident Benefits
In the event the Insured passes away, suffers permanent disability, or sustains an injury requiring medical treatment (medical expenses) caused solely and directly by an Accident, the Insurer shall pay to the Beneficiary an amount up to the maximum Personal Accident Sum Insured.
An Accident is defined as a violent, external, traumatic, and sudden event experienced by the Insured, whether foreseeable or unforeseeable, occurring independently of any other causes, including drowning.
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Death Benefit
100% of the Sum Insured
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Permanent Disability
- Total Permanent Disability (TPD). Loss of function of: both hands; both feet; both eyes; one hand and one foot; one hand and one eye; or one foot and one eye: 100% of the Sum Insured.
- Permanent Partial Disability (PPD)
Loss of function of:
– One arm or one leg: 60% of the Sum Insured;
– One hand: 40% of the Sum Insured;
– One foot: 40% of the Sum Insured;
– One eye: 30% of the Sum Insured;
– One thumb: 10% of the Sum Insured;
– One big toe: 10% of the Sum Insured;
– One finger: 5% of the Sum Insured;
– One toe: 5% of the Sum Insured.
Within 1 (one) year of Coverage, the maximum total benefit payable shall not exceed the Personal Accident Sum Insured.
Occupational Classification
Refers to the risk classes defined in the Standard Personal Accident Insurance Policy.
Entry Age of the Insured
The entry age for the Insured is 20-64 years, with a maximum age of 65 years at the end of the Policy Term (Insured’s age + Insurance Period = 65 years).
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