Personal Accident Insurance
Throughout 2012, there were 109,038 cases of traffic accidents in Indonesia with 27,441 people died (Indonesian police data). Seeing such a high accident rate can be imagined how high the risk of accidents that befall a person, where not a few costs incurred for treatment, especially if dead, then lost hope and the future of the insured or the family. Transport insurance products of PT. Asuransi Cakrawala Proteksi protects both goods such as merchandise, machinery, raw materials during shipment by land, sea and air, freight costs and expected profits (imaginary profit). For that Protection Horizon Insurance provides protection by paying compensation to the insured / heir if the insured dies / permanent disability as a result of an accident. Seeing such a high accident rate can be imagined how high the risk of accidents that befall a person, where not a few costs incurred for treatment, especially if dead, then lost hope and the future of the insured or the family. For that Protection Horizon Insurance provides protection by paying compensation to the insured / heir if the insured dies / permanent disability as a result of an accident.
What are the risks that are guaranteed? Accident risk resulting from the insured:
- Die
- Permanent disability
- Take out medical expenses
Take part in flights except as a legitimate passenger on regular flights
- Take part in flights except as a legitimate passenger on regular flights
- Accidents due to participating in car / motor racing competitions, self-defense competitions, speed competitions, professional sports, sports with physical contact, sports on ice / snow, sports in the air, water sports, hunting etc.
- Deliberate crime, suicide or attempted suicide or self-injury
- Participate in military service
- As a result of nuclear / atomic reactions
- Hernia, cold or due to heat from the sun
- HIV, AIDS, SARS or other similar diseases
- Things caused by all types of diseases
- War, rebellion and the like
What things are taken into account in determining the rate / premium rate?
- Age
- Profession
- Disease history