Air Accident Personal Accident Insurance a type of loss insurance that covers the risk of total permanent disability or death due to an accident. This cash compensation is given to the insured or heirs.
What is accident insurance and whAir Accident Personal Accident Insuranceat are the benefits of accident insurance?
Personal accident insurance is protection provided by insurance companies to protect financial losses that may arise if the insured experiences an accident resulting in permanent total disability or death.
No one expects an accident to occur in his life, but in an activity that is considered risky according to the analysis of an insured activity such as road, sea and air transportation, as information Based on Law No. 33 of 1964 and Minister of Finance Regulation (PMK) No. 15 of 2017 Victim Dies of Airplane Accident Jasa Raharja handed over compensation of Rp. 50 million, and injured victims received compensation of Rp. 25 million, while based on the Minister of Transportation Regulation No. PM 77/Year 2011 concerning the responsibility for air transportation, the fatalities due to aircraft accidents received compensation of Rp. 1.25 billion
Land Traffic Accident Insurance
Based on Law No. 34 of 1964 Traffic accident funds are given differently according to the level of injury to the victim, but for those with permanent disabilities and death, compensation of Rp. 50 million is given, for example, the Mutiara and Kutojaya train collision for victims who died received compensation of Rp. 25 million while the injured received compensation of Rp. 10 million.
Marine Accident Insurance
Based on Laws 33 and 34 which are run by the Jasa Raharja red plate company regarding the mandatory passenger accident insurance fund and the Road Traffic Accident Fund About the Lautan Teduh KMP fire and has been paid by Jasa Raharja Has paid compensation to 14 heirs of Rp 350 million For those who died.
4 Types of Accident Insurance
In the midst of various possibilities to have an accident, the insurance company provides insurance for accidents.
1. Personal Accident Insurance
The insurance that is most in demand by the people of Indonesia is personal accident insurance. The purpose of this personal accident insurance is to protect you from the dangers that befall you.
In addition, personal accident insurance also aims to protect you from things that cause several consequences such as death, permanent disability, temporary disability, medical expenses, and also hospital treatment.
There are several conditions that must be met to receive personal accident insurance funds. Here are the conditions.
• The source of the accident must be sudden or sudden.
• The source of the accident is from external factors and not intentional.
• The source of the accident is accompanied by violence.
• The source of the accident must be clearly visible.
• The arrival of the accident source is not wanted
• The result of an accident must be physical injury.
• The cause and effect relationship should not be broken.
2. Work Accident Insurance Asuransi
Another accident insurance that is needed is work accident insurance.
You really need work accident insurance if your work every day has a high risk and can happen at any time.
All jobs actually have risks, either light or heavy. Therefore, work accident insurance is needed to deal with these incidents.
The compensation will be given entirely to the family if a family member dies.
However, like personal accident insurance, work accident insurance also has certain conditions for providing compensation.
Here are some conditions of disability as a condition of insurance.
• Partial but permanent or permanent disability which means the accident has resulted in the loss of one or more limbs.
• Deficiency of function is an accident that results in the loss of several functions of the body.
• Total disability is an accident that causes a person to no longer be able to work or move his body.
3. Traffic Accident Insurance
Worry and alert will always stalk people when driving.
So many drivers on the road who do not obey traffic rules can increase the possibility of accidents.
The death rate caused by traffic accidents is also quite high.
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4. Reasons for the Importance of Insurance
Therefore, you need to have traffic accident insurance based on increasing public awareness to protect yourself.
However, to submit a claim to the insurance company for an accident that occurs also has several conditions that must be met.