Personal Accident Insurance

Product Options
Personal Accident for IndividualPersonal 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
Accidental DeathPermanent 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 accidentHospital 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

FREQUETLY ASKED QUESTION (FAQ)
  1. Risiko apa saja yang dijamin di dalam Asuransi Kecelakaan Diri (Personal Accident)?
    2. 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)
  2. How much reimbursement will you get ?
    3. The replacement applies according to a percentage of the sum insured based on the Continental Scale, as follows:
    a. Accidental Death100%
    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%
    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%
    (*) for the left-handed applies the opposite
  3. Is the age of the insured limited ?
    4. The participant who can be covered under the policy is 18 years old up to 60 years old when the policy is issued, unless there is special approval.
  4. If a death or disability occurs several days after the accident, will it still be covered ?
    5. Sometimes, the death or permanent disability does not occur immediately after the accident, but they occur several days after the accident. The time limit set out in this agreement is 180 days since the accident happened. Consequently, the death or permanent disability that occurs over 180 days is no longer indemnified by PT. Sumit Oto as coverage of Risk A (death) or Risk B (permanent disability).
  5. What to do after the event of accident ?
    6. Once the accident happened, the policy holder must immediately report to Sumit Oto within 3 x 24 hours after the accident happened, completed with the informations about the accident and injury suffered by the insured. Then, the necessary medical action must be taken as soon. The insured must obey all the advice and provisions from the doctor and is absolutely not allowed to do things that can disturb healing.
  6. What to do when the insured died finally ?
    7. When the insured died, it is must be immediately notified ASO before burial is carried out (if it is possible). If it is necessary, ASO can ask to conduct post-mortem examination, in accordance with determining the indemnity.