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This is What You Need to Know from Personal Accident Insurance

Posted At October 30th, 2019

This is What You Need to Know from Personal Accident Insurance

Personal accident insurance is a more specific type of insurance designed to meet your needs when you have an accident. Nobody knows when and where you can have an accident.

The worst part is that you might lose your life or lose your job so you don't have a permanent or temporary income. However, the good thing is you can at least be prepared for these unexpected events by having personal accident insurance.

Protection for Anyone

You should know that personal accident insurance is not only for workers but you can also buy it for the protection of your family or loved ones. They or anyone also has the potential to have an accident. So make sure you and your family are well-protected.

How Personal Accident Insurance Works

According to the Indonesian Personal Accident Insurance Standard Policy (PSAKDI), personal accident insurance will provide compensation if you experience death, permanent disability, or temporary disability and replace the cost of medical care and/or treatment directly caused by an accident.

You will receive a total death benefit and permanent disability benefit of 100% of the sum insured. In fact, in some insurance products, the guarantee is given 200%.

For partial permanent disability, the following is a table of benefits in accordance with PSAKDI.


Description

Benefit (%)

1

Right arm starting from the shoulder joint

60%

2

The left-arm starts from the shoulder joint

50%

3

Right arm starting from the top of the elbow joint

50%

4

The left-arm starts from the top of the elbow joint

40%

5

Right hand starting from the top of the wrist

40%

6

Left hand starting from the top of the wrist

30%

7

One leg from the knee to the groin

50%

8

One foot from the ankle to the knee

25%

9

Right-hand thumb

15%

10

Left-hand thumb

10%

11

Right-hand index finger

10%

12

Left-hand index finger

8%

13

Right hand's little finger

8%

14

Pinky left hand

6%

15

The middle finger or right hand ring

5%

16

The middle finger or left hand ring

4%

17

One big toe

8%

18

One other toe

5%

19

Next to the eye

50%

20

Hearing in both ears

50%

21

Hearing in the ear next to

25%

22

Next to the total earlobe

5%

Combination Insurance

Personal accident insurance is a very flexible insurance product because it can "collaborate" well with other insurance products, such as life, health, travel insurance, and even vehicle insurance. Personal accident protection can be included as the main guarantee or just an additional benefit.

Does your insurance already have a collateral accident? Try to check your insurance policy. If there is no protection for a personal accident then please contact your insurance for added.

No Waiting Period !!

Accidents are very incidental so that making personal accident insurance does not apply a "waiting period" for its utilization. So, you don't need to worry because you can make a claim if you have an accident anytime.

Note, that this provision also applies if personal accident protection is combined with other insurance that applies a waiting period, such as life or health insurance.

Find The Right Insurance for You

Most personal accident insurance offers benefits and a large level of coverage that is almost the same. This can be very confusing for you to choose which product is suitable and best for yourself or your family.

However, you don't need to worry because Bandingin.com is ready to help you. We will assess your needs and then provide you with an easy, valid and transparent comparison of the benefits and premiums of leading insurance products.

Bandingin.com helps you find the right and perfect personal accident insurance for your needs.


Bandingin.com !!! can help you make smart and accurate insurance decisions to protect yourself, your family, and your future.

Topics Article

personal accident insurance self protection