{"id":4508,"date":"2022-10-20T07:48:37","date_gmt":"2022-10-20T00:48:37","guid":{"rendered":"http:\/\/ligaasuransi.com\/?p=4508"},"modified":"2022-10-20T07:48:37","modified_gmt":"2022-10-20T00:48:37","slug":"9-hal-yang-perlu-anda-ketahui-mengenai-asuransi-personal-accident","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/9-hal-yang-perlu-anda-ketahui-mengenai-asuransi-personal-accident\/","title":{"rendered":"9 Things You Need to Know About Personal Accident Insurance Dear"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><a href=\"http:\/\/ligaasuransi.com\">Liga Asuransi<\/a> &#8211; Dear readers, how are you and your business today? We wish you well and your business continues to thrive. On this occasion we as insurance brokers would like to remind you the importance of keeping yourself safe from any dangers that can suddenly happen to you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will discuss 9 things you should know about Personal Accident Insurance or commonly referred to as personal accident insurance. If you are interested in this article, please share it with your friends, so they can understand, like you about the importance of personal accident insurance.<\/span><\/p>\n<ol>\n<li aria-level=\"1\"><b>Definition of Personal Accident<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Insurance Based on the Indonesian Personal Accident Insurance Standard Policy (PSAKDI), personal accident insurance is an event or event that contains elements of violence, both physical and chemical. Events that come suddenly, are not wanted or planned, and come from outside, are visible, and immediately have a direct effect on the insured and cause bodily injury whose nature and location can be determined by medical science.<\/span><\/p>\n<ol start=\"2\">\n<li aria-level=\"1\"><b>Personal accident events or events The<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">following are incidents or events that are also included in the form of personal accidents.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Poisoning due to inhalation of toxic gases or vapors, unless the insured intentionally uses drugs or other substances that have known bad effects, including the use of illegal drugs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Infected with viruses or germs as a result of the insured accidentally falling into water or other liquid substances.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suffocation or drowning.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This is very important to know in order to avoid misunderstandings with the insurer regarding the coverage and exclusions in your personal accident insurance policy.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ol start=\"3\">\n<li aria-level=\"1\"><b>Characteristics of Personal Accident The<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">definition of an accident in personal accident insurance must meet at least the nine factors below.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cause of the accident must be sudden.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The cause of the accident must be sudden, even though the consequences of the accident only arise\/feel\/occur some time after the accident occurred. Generally, the provisions of the insurance policy set a waiting period of 12 months. This means that the insurance policy will still cover death or permanent disability that occurred or occurred as a result of the accident within 12 months after the accident.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cause of the accident must be external.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The cause of the incident must come from outside our physical body, such as impact, blow, or other things. This is to distinguish the causes that come from within the body itself, such as chronic disease.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cause of the accident must be violent.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The accident must be accompanied by an element of violence, either in the form of chemical violence (poisoning) or physical violence (collision).<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents must be visible.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Accident events must be seen clearly. This is to distinguish the causes that come fictitious, for example due to the actions of shamans, psychics, witchcraft\/magic, and so on.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents must be direct and only.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Accidents directly affect our bodies and are not influenced by other factors that can cause or enlarge the effects that occur. This means that the effect must be the result of the direct and sole cause of the accident.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents are not wanted\/planned\/deliberate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There must not be an element of intentionality or the consequences that will occur from things that are intended\/planned or intentional have been determined.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The result of an accident must be a physical injury to the body.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Examples of physical injuries are scratches or tears on the skin, broken bones, and so on.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physical injuries must be autopsied by medical science.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Physical wounds must also be able to be autopsied for post-mortem purposes so that the cause of the injury can be identified, such as wounds caused by sharp objects.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The relationship between cause and effect should not be severed.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This means that the cause and effect must not be interrupted and occur immediately, such as a fall causing a fracture.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These nine factors must be met in the element of personal accident because an event will not be categorized as an accident if one of these elements is not met. Therefore, by knowing the meaning and characteristics of a personal accident, we will be able to understand it well.<\/span><\/p>\n<ol start=\"4\">\n<li aria-level=\"1\"><b>Guarantee &amp; Policy.<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The definition of an accident is an event or incident that contains elements of physical and chemical violence against oneself, where the incident comes from outside oneself, suddenly unwanted and unplanned, resulting in bodily injury or injury whose nature can be determined medically or medically diagnosed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Every personal accident insurance uses a reference from that definition. This is because personal accident insurance can guarantee you when you are active or not. Such as working, driving or traveling, resting and so on for 24 (twenty four) hours and applies anywhere in the world.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Personal accident insurance has a wider coverage than traffic accident insurance, because it provides protection and guarantees and can cover all accident locations. The definition of work accidents, including occupational diseases, is a risk that must be faced by workers in carrying out their work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Work accident insurance is a way to overcome the loss of as or all of the income caused by social risks such as death or disability due to work accidents, both physical and mental.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Labor protection in Indonesia that is commonly known is the work accident insurance Jamsostek (Manpower Social Security), which has now changed to BPJS (Social Security Administering Agency) for Employment. The definition of work accident insurance is compensation and rehabilitation for workers who have an accident when they start going to work until they arrive home or suffer from an illness due to work relations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the time of submitting the application for the first time, you are free to choose from various insurance providers and plan packages provided. The premium rate for personal accident insurance depends on the extent of the desired risk.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are several guarantees that are generally covered by this insurance, namely<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Death due to Accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compensation 100% of Total Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physical harm due to accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compensation proportional to the amount insured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital costs due to accidents (usually additional coverage)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximum compensation for the amount insured<\/span><\/li>\n<\/ul>\n<ol start=\"5\">\n<li aria-level=\"1\"><b>Benefits Personal Accident<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Insurance Personal accident insurance also provides benefits to the insured. The following are some of the advantages of personal accident insurance.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provides additional financial security for your family.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No medical test required.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low premiums with very adequate benefits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage guarantees can apply worldwide, such as travel insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim settlement is easy and simple.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Double compensation for death or total disability.<\/span><\/li>\n<\/ul>\n<ol start=\"6\">\n<li aria-level=\"1\"><b>Personal Accident Insurance Exceptions<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">However, in personal accident insurance there are exceptions that cannot be covered by the insurance. Some of the risks that are excluded from personal accident insurance are as follows.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">War, riots or riots, and unlawful acts in which the insured person participates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-injury or suicide.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pregnancy or birth, illness or disease, and HIV\/AIDS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Take part in motorsports or other professional sports and aviation activities (except as a passenger).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Radiation or nuclear reaction<\/span><\/li>\n<\/ul>\n<ol start=\"7\">\n<li aria-level=\"1\"><b>Benefits of personal accident insurance<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">There are several benefits of personal accident insurance coverage, including the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Death benefit<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Death benefit is a basic benefit that is definitely offered by all personal accident insurance. With this benefit, the insurance company will provide compensation or cash to the heirs left behind if the insured dies due to an accident.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You may ask, what is the difference between the death benefits in life insurance and those in accident insurance. The difference between these two products lies in the cause of death which is a condition for the disbursement of compensation. In life insurance, the heirs will receive compensation or sum assured if the insured dies due to illness or accident. While in accident insurance, compensation will be issued if the insured dies purely due to an accident.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent disability benefits<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Accident insurance also provides permanent disability benefits caused by accidents. Currently, several insurance companies have a specific definition of the risk of permanent disability. Broadly speaking, the definition of risk of permanent disability can be classified into two groups, namely<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">total permanent disability, for example loss of vision in both eyes or dysfunction of both arms. The insured who is permanently disabled due to an accident will receive 100% full compensation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Partial permanent disability, for example the malfunction of a part of the body, such as a broken left arm or leg due to an accident. Generally, partial total disability will receive compensation proportional to the total compensation. For example, a right arm that is disabled due to an accident will receive 50% of the total compensation.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This compensation can be used as an emergency fund or as a temporary income substitute for a family affected by a disaster.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reimbursement of medical expenses or treatment due to an accident Accident<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Insurance also offers additional benefits in the form of reimbursement of medical expenses or treatment due to an accident. Actually, the benefit of reimbursement for treatment costs due to this accident can also be obtained from health insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Being an important thing that needs to be observed, before taking this additional benefit on accident insurance, it would be nice to check the similar benefits that you have in health insurance. If the amount is not sufficient, there is no harm in adding the benefit of reimbursement for medical expenses due to accidents in accident insurance.<\/span><\/p>\n<ol start=\"8\">\n<li aria-level=\"1\"><b>Who needs personal accident insurance?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Everyone is actually surrounded by various kinds of risks that can occur at any time. However, some people with certain professions and circumstances have a higher risk than the average person. They are the ones who especially need personal accident insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Who are they?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, those who work in the mines, extreme sports athletes, construction and construction workers, pilots, drivers, captains, machinists, soldiers, police, and so on. In addition, people with high mobility and often drive motorized vehicles also need accident insurance. That&#8217;s also why accident insurance is often offered at airports to people who want to travel by plane<\/span><\/p>\n<ol start=\"9\">\n<li aria-level=\"1\"><b>The Cost vs Benefits<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">type and amount of coverage that you or your heirs will receive is of course in accordance with the amount of premium you pay. This means that the greater the premium amount, the greater the coverage of benefits and protection of your personal accident insurance policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ideally, choose the highest premium that is still appropriate and affordable with your financial allocation capabilities to ensure that you will also get the maximum benefit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, hoping for the benefits of paying low premiums is not a wise move because you can be sure you will get inadequate benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For all your insurance needs, always use the services of L&amp;G Insurance Broker!<\/span><\/p>\n<p><b>Source : <\/b><a href=\"https:\/\/lngrisk.co.id\/glosari-asuransi\/asuransi-personal-accident\/\"><b>https:\/\/lngrisk.co.id\/glosari-asuransi\/asuransi-personal-accident\/<\/b><\/a><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>\n<h3><strong>LOOKING FOR INSURANCE PRODUCTS? DON&#8217;T WASTE YOUR TIME AND CALL US NOW<\/strong><\/h3>\n<h4><strong>24\/7 L&amp;G HOTLINE: 0811-8507-773 (CALL \u2013 WHATSAPP \u2013 SMS)<\/strong><\/h4>\n<p><span style=\"font-weight: 400;\">website: lngrisk.co.id<\/span><\/p>\n<p><span style=\"font-weight: 400;\">E-mail: customer.support@lngrisk.co.id<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u2014<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Liga Asuransi &#8211; Dear readers, how are you and your business today? We wish you well and your business continues to thrive. On this occasion we as insurance brokers would like to remind you the importance of keeping yourself safe from any dangers that can suddenly happen to you. This article will discuss 9 things [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4509,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[168,232],"class_list":{"0":"post-4508","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-accident","8":"tag-asuransi-kecelakaan-diri","9":"tag-asuransi-personal-accident"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4508","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=4508"}],"version-history":[{"count":1,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4508\/revisions"}],"predecessor-version":[{"id":4510,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/4508\/revisions\/4510"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/4509"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=4508"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=4508"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=4508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}