Personal Accident Insurance - Astra Insurance Indonesian Company

Understanding from Personal Accident Insurance

Personal Accident (PA) Insurance give protection for the insured to the the happening of accident* by decent payee when pass away / permanent disability or give the medication indemnification if pain or temporary disability.

Responsibility object in PA Insurance

Responsibility object in this insurance is human soul or body “assessed with a number of moneys”.

the Responsibility condition be available in PA Insurance divided become 3 kinds of :

• Cover A (pass away)


• Cover B (permanent disability)


• Cover C (expense of treatment of hospital)

The risks guaranteed in PA Insurance:

Driver / passenger of riot and also motorbike, devilment and strike.

The risks is not guaranteed in PA Insurance:

If insured people :

• Act as driver of motorbike


• Join in air transport (besides as valid passenger)


• Join in prizefighting, wrestling, jujitsu, judo, rugby, hockey ices, ski, tobogganing, mount the above of mount in height 2500 m, extortion in glacier, dislodge of big animal or sail alone, or preparation to join in competition, record breaking and race efficiency with vehicle or horse


• Designedly do badness or become the personnel a deed of badness

As for underwriter side is under no obligation to pay the compensation for caused accidents

• During and effect on military duty, war or all situations of war except can prove that pertinent accident there no any relation with or possibly because of an occurrence exempted from this rule
  
  Accident is here is :
  
• Sudden and is not anticipated


• Come from outside and seen


• Is accompanied by the hardness of physical or chemical


• In the form of body hurt


• Direct and single


• Arise from or happened when happened the atom nuclear reaction

caused accident or enabled by a disease, invalidism or every other abnormal mental or physical condition

• Increased hard of that effect of accident through the the situation at sentence italics above, be like diabetes, circulation of unfavorable blood, vein varicose, blindness of one eye if other eye have been hit, in the case of intestinal rupture (hernia), heat because the sun (sunstroke), chilled, or heat is not given by the compensation


• the Accident effects and because of negligence / flippancy (gross negligence), or with intention / conditional or wrong intention (guilty or conditional intent) or with permit / knowledge of the party that covering of insurance, insured people or rightful claimant accept the compensation

This rule not applicable if accident because of saving, try to save, advocate or protect the their self, others, goods or animal, except the matter written in oblique sentence at this paragraph.

The data must be given to insure in PA Insurance:

• Name and address the insured


• Date of birth the insured


• Gender


• Heir name


• Work / area of effort


• Responsibilities amount


• Responsibility duration

Despite fully, there is boundaries for underwriter to do acceptation this self Accident insurance, that is : company employees status (employees fixed, contract or trial) and the minimum amount of participants are 25 insider of 1 company.

* Accident is here is:

• Sudden and is not anticipated


• Come from outside and seen


• Is accompanied by the hardness of physical or chemical


• In the form of body hurt


• Direct and single