Mikro Kecelakaan Diri Insurance for Students

Product Information

Asuransi Mikro Kecelakaan Diri - Pelajar

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What it gives you

Features of Mikro Kecelakaan Diri Insurance for Student Insurance

Covers the Participants from losses against risks of:

Death

Accidental death to the Student, except for an accident due to suicide or committing a crime/against the law;

Total and partial permanent disability

The Insureds experience permanent disability as a direct result of an accident, which consists of:

• Total Permanent Disability;

• Partial Permanent Disability.

Medical expenses

Reimbursement for the treatment and/or medical expenses for healing or recovering from injuries suffered by The Student as a direct result of an accident.

Educational support

If the Insured injured due to an accident that causes hospitalization or home treatment and cannot go to school as usual for more than 30 (thirty) days, and it has been confirmed by the Medical Doctor, the Insurer will pay the Insured the education allowance by monthly up to a maximum of 12 (twelve) months due to the temporary disability.

Allowance for fractures

If the Insured experiences a fracture/crack in one bone as listed in the Benefit Table (in the Policy) due to an accident, and the Medical Doctor has confirmed it, the Insurer will pay the Insured the allowance for the fracture bones up to the maximum amount as stated in the Benefit Table (in the Policy).

Allowance for Heirs

The Heirs are not entitled to the allowance if:

1. The loss occurs because commits a suicide or commits criminal/against the law;

2. The claim is proposed using the false documents or evidence, bad faith, lies or deception to obtain compensation payments; or

3. An accident occurs before the coverage period begins or after the protection period ends.

How much the premium is

IDR 45,000,- per Participant

What we don't cover

We do not cover for loss or liability directly or indirectly caused by or arising from or in connection with:

Any losses occurs because the Participant commits a suicide or commits a criminal act / fights law
Claims are submitted using fake documents or evidence, bad faith, lies or deception to obtain Compensation payments, or
Accidents occur before the start date of Mikro Kecelakaan Diri Insurance for Student policy period or after the expiration date of Mikro Kecelakaan Diri Insurance for Student policy period.

Important information

This is general information and is not an insurance contract/agreement. Detail terms and conditions will be referred to the policy. It is crucial that you read and understand the policy's terms and conditions well.

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You might find your answers in FAQs.

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