Personal Accident

Personal accident insurance will cover you from the risk of death, permanent disability, temporary disability, medical expenses, and / or medication that is directly caused by an accident.

Meaning of Accident

Accident according to the Indonesian Personal Accident Insurance Standard Policy is an event or event that contains elements of violence, both physical and chemical in nature, which suddenly, unwanted or planned, from the outside, is visible, directly to the insured which immediately results in bodily injury. whose nature and place can be determined by medical science, including:

Poisoning due to inhalation of poisonous gases or vapors, unless the insured intentionally uses drugs or other substances with known adverse effects, including the use of illegal drugs.
Infected with viruses or germs as a result of the insured accidentally falling into water or some other liquid.
Suffocation or drowning

In this case, personal accident insurance will provide coverage or what is commonly referred to as coverage and certain exclusions and classifications.

Guarantee (Coverage)

The main coverage for personal accident insurance includes the following.

Accidental Death
Total Permanent Disablement Compensation
Partial Permanent Disablement Compensation
Medical Expenses

Additional benefits include funeral costs as well as obtaining a death certificate, ambulance fees, and so on.

Exclusions

The insurance company also does not cover some of the risks in personal accident insurance which include the things listed below.

War, riot or riot, and actions against the law and the insured participates.
Self-harm or suicide.
Pregnancy or birth, illness or disease, and HIV / AIDS.
Participate in vehicle races or other professional sports and aviation activities (except as a passenger).
Radiation or nuclear reactions.

Classification

In personal accident insurance, occupational classification (Classification) is also determined as follows.

Class 1

Types of work involving indoor work / doing office work, with the following examples, namely accountants, administrators, architects, auditors, bankers, doctors, lawyers, secretaries, teachers, housewives, marketing (internal salesmen), and the like.

Class 2

Types of work involving work inside and outside the office or in the field which are entirely supervisory in nature, with the following examples, namely civil engineers, external salesmen, retailers (excluding butchers, fish vendors, or machine use).

Class 3

Types of work with a high level of risk, for example, are pilots, skippers and crew, security guards, and others.

Class 4

Types of work with a very high risk with examples, such as soldiers, construction workers, machine workers, mining workers, and others.

Basically, personal accident insurance premiums (Personal Accident) are based on the job classification. However, currently the premium can be determined based on modern actuarial calculations and the type of work remains one of the considerations but not too decisive.

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