Individual life insurance with a yearly renewable term. A benefit of 100% of the Sum Assured is payable if the Insured passes away due to an accident during the coverage period, or a benefit as per the Schedule of Benefits if the Insured suffers permanent disability directly caused by an accident during the coverage period.
Insurance Period
1 (one) year or as per the premium payment mode.
Cash Value
None
Currency
IDR (Indonesian Rupiah)
Premi
Premiums are payable annually, semi-annually, quarterly, or monthly.
Personal Accident Medicard is an individual insurance product that provides accidental insurance benefits up to the Personal Accident Sum Assured.
PREMIUM PAYMENT MODE
Single Premium.
THE INSURED
Individual.
ENTRY AGE
20-59 years.
INSURANCE PERIOD
1 (one) year.
CURRENCY
IDR (Indonesian Rupiah).
SUM ASSURED
IDR 30,000,000 (Risk A & B) and IDR 20,000,000 (Risk D).
PREMIUM
IDR 100.000
BENEFIT DESCRIPTION
In the event the Insured passes away, suffers permanent disability, or sustains an injury requiring medical treatment caused solely and directly by an Accident, the Insurer shall pay the Beneficiary a benefit up to the Personal Accident Sum Assured. Accident is defined as a violent, external, traumatic, and sudden event experienced by the Insured, whether foreseeable or unforeseeable, and independent of any other causes, including drowning. The payment of the Sum Assured shall be made in accordance with the table below:
SCHEDULE OF BENEFITS
If within 90 days from the date of the Accident, the Insured sustains:
Risk A
Accidental Death. 100% of the Sum Assured (IDR 30,000,000) is payable.
Risk B
Permanent Disability
a) Total Permanent Disability
Loss of use 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 Assured (IDR 30,000,000) is payable.
b) Partial Permanent Disability with loss of use of:
– One arm or one leg: 60% of the Sum Assured;
– One hand: 40% of the Sum Assured;
– One foot: 40% of the Sum Assured;
– One eye: 30% of the Sum Assured;
– One thumb: 10% of the Sum Assured;
– One big toe: 10% of the Sum Assured;
– One finger (other than thumb): 5% of the Sum Assured;
– One toe (other than big toe): 5% of the Sum Assured.
Risk C
In the event of an injury due to an Accident requiring medical treatment or hospitalization, the Insurer will reimburse actual expenses up to a maximum of IDR 2,000,000 per accident or 10% of the Sum Assured for Risk C.
The total benefit payable within one Policy Year shall not exceed the Personal Accident Sum Assured.
UNDERWRITING METHOD
Guaranteed Acceptance.
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