Personal Accident Insurance is an insurance product that provides personal protection and benefits in the form of compensation for death, disability, and medical care costs caused by accidents.
Tabel Manfaat |
% |
|
Permanent total loss of sight of both eyes |
100% |
|
Permanent total loss of sight of one eye |
70% |
|
Loss of or the permanent total loss of use of two limbs |
100% |
|
Loss of or the permanent total loss of use of one limb |
70% |
|
Loss of speech and hearing |
100% |
|
Permanent total loss of hearing of |
|
75% |
|
25% |
|
Loss of speech |
50% |
|
Permanent total loss of the lens of one eye |
50% |
|
Loss of or the permanent total loss of use of four fingers and thumb |
60% |
|
Loss of or the permanent total loss of use of four fingers |
40% |
|
Loss of or the permanent total loss of use of one thumb |
|
15% |
|
20% |
|
Loss of or the permanent total loss of use of fingers |
|
5% |
|
7.5% |
|
|
10% |
|
Loss of or the permanent total loss of use of toes |
|
15% |
|
5% |
|
|
3% |
|
Fractured leg or patella with established non-union |
10% |
|
Shortening of leg by at least 5 cm |
7.5% |
Category |
Compensation (per day) |
Group 1 |
IDR35,000 |
Group 2 |
IDR45,000 |
Group 3 |
IDR50,000 |
Group 4 |
IDR65,000 |
Group 5 |
IDR90,000 |
Maximum of 240 days (excluding Sunday)
Personal Accident Insurance Group Category
Group |
Example |
|
I |
Occupations that involves non-manual labor, instead, administrative or administrative work in an office or in a non-hazardous place. |
Administrator, Accountant, Director, Secretary. |
II |
Occupations that involve supervision or travel outside the office for business purposes but do not involve manual labor. |
Marketing, Sales, Surveyor, Businessman, Office Boy. |
III |
Occupations involving the use of tools or large equipment that occasionally requires manual labor but are not always risky. |
Driver, Messenger. |
IV |
Occupations that allow manual labor in hazardous environments and expand the use of heavy equipment or machines. |
Operator, Mechanic, Electric Technician, Laborer, Farmer. |
V |
Occupations that are not included in the category of group I – IV |
Requires special acceptance. |
Guarantee |
Group ‰ |
|||||
I |
II |
III |
IV |
V |
||
A |
Death |
1.50 |
1.80 |
2.25 |
2.55 |
5.85 |
B |
Permanent Disability |
|||||
C |
Temporary Disability |
|||||
D |
Funeral Expenses |
|||||
E |
Medical Expenses |
1.575 |
1.80 |
2.1 |
2.55 |
2.55 |
Simulation of Premium Calculation |
|
Ocupation |
Manager |
Rate (Group 1) |
1.50 (‰) |
Coverage Value |
IDR100,000,000 |
Period |
1 Year |
Premium : IDR100,000,000 x 1.50 (‰) = IDR150,000 (does not include policy administration fees and stamp duty)
Mr. Tono bought personal accident insurance with sum insured of IDR100,000,000 and during the policy period, Mr. Tono had an accident which resulted in his death, so his beneficiaries made a claim to Allianz and Allianz paid a claim of IDR100,000,000 in accordance to the terms and conditions of the policy.
This information is only general information related to products disclosed by PT Asuransi Allianz Utama Indonesia. Please refer to the insurance policy to obtain the full details regarding insurance product coverage as well as its exclusions. You may also consult the available Product Information Summary to get further explanation about this product.How to Register
You can visit the nearest Maybank branch office for registration.
Additional documents that must be included for the registration process are as follows:
Claim Procedure
Contact Allianz Care at 1500136, or by email at cs@allianz.co.id
Make sure you make a claim notification within a maximum period of 14 (fourteen) calendar days after the date of risk occurrence.
Disclaimer
Personal Accident Insurance (Asuransi Kecelakaan Diri) is an insurance product issued by PT Asuransi Allianz Utama Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts as a reference provider for Personal Accident Insurance.
Personal Accident Insurance (Asuransi Kecelakaan Diri) is not a product of the Bank and therefore the Bank will not be liable for any and all claims as well as any risks that arise from the products issued by PT Asuransi Allianz Utama Indonesia.
PT Asuransi Allianz Utama Indonesia is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan) and its Sales Staff are licensed by the General Insurance Association of Indonesia (Asosiasi Asuransi Umum Indonesia).
PT Bank Maybank Indonesia, Tbk is licensed and supervised by OJK & Bank Indonesia.