Product Options | |
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Personal Accident for Individual | Personal Accident for Group |
It Is a self-protection insurance against the risk of death, permanent disability or bodily injury as a direct result of an accident. | It is insurance for the protection of company employees against the risk of death, permanent disability or bodily injury as a direct result of an accident. Personal Accident for Group is a form of company responsibility towards its employees. |
Coverage | |
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Accidental Death | Permanent Disability Due to Accident |
If the insured dies due to an accident, we will pay a number of compensation to the insured heirs | If the Insured suffers a permanent disability due to an accident, we will pay a number of compensation according to the percentage table for permanent disability compensation to the Insured |
Hospital costs due to an accident | Hospital costs due to an accident |
If due to an accident, the Insured has to undergo treatment at the hospital, then we will pay the hospital bill according to the receipt for the cost of treatment or the maximum according to the selected insurance limit. | We will pay a number of compensation, if the Insured experiences an accident as a result of riding or as a motorcycle passenger. The amount of compensation is in accordance with the coverage limit for each guarantee |
Risk A | : | Death due to an accident |
Risk B | : | Totally Permanent disability and Partial permanent disability |
Risk D | : | Medical expenses due to accident (Risk Coverage Limit D: 10% of Sum Insured A / B) |
Risk Motorcycle | : | Risk of accidents due to riding a motorcycle (loading rate 20% of the basic premium) |
a. | Accidental Death | 100% | |
b. | Permanent Total Disability such as a total mental disorder, blindness in both eyes, paralysis of both legs from the hip down. Permanent Partial Disabilities, such as: - Loss of sight of one eye - Loss of hearing ??? both ears - Loss of hearing ??? both ears - Loss of speech - Impotence | 100% 40 50% 20% 50% 30% |
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Complete loss by physical separation or loss of function of : | Right (*) | Left (*) | |
- The arm of the shoulder joint - The arm of the elbow joint - Hand of the wrist joint - Thumb - The Index, Middle, or ring finger - Little Finger - Legs from the groin - Legs from thigh / knee joints - Foot from ankle - Toes - Other toes |
60% 50% 40% 20% 10% 5% 50% 40% 40% 20% 5% |
50% 45% 35% 15% 10% 5% 40% 40% 40% 20% 5% |
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(*) for the left-handed applies the opposite |