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Accident Insurance: Definition, Types and How to Claim

Personal Accident Insurance is insurance that covers the risk of total permanent disability or death due to an accident. This insurance is designed to cover the cost of treatment due to the risks experienced

Elisya
Updated
Accident Insurance: Definition, Types and How to Claim

The existence of various types of personal accident insurance has now been adapted to the main needs of many people. In fact, many people are aware of the importance of having insurance for various unexpected events that can come and can be financially detrimental.

Now, there is one more type of self-protection insurance that is important to have. Especially for people whose professions work in the field or spend most of their time outside the office where the risk of accidents is higher.

What is Personal Accident Insurance?

Personal Accident Insurance is a type of loss insurance that covers the risk of total permanent disability or death due to an accident. This insurance is designed to cover the cost of treatment due to the risks experienced by the insured when experiencing an accident either at work or on the road while driving, such as bodily injury caused by an accident.

Having the best personal accident insurance has several advantages that can be obtained by insurance owners, in order to reduce the risk or financial loss when getting an accident at work or when driving and traveling, namely:

  • Coverage for medical expenses or treatment due to accidents experienced such as temporary and permanent disability.
  • Treatment directly caused by an accident, incl. For example, the entry of viruses or germs into a wound suffered as a result of an accident
  • Provision of compensation or sum assured for the family left by the insurance owner.

The benefits of this insurance policy can be paid only if the insured dies within a predetermined period or the policy is still valid (in force) when the insured dies.

Types of Accident Insurance

There are 4 types of accident insurance that you should know, especially for those of you who have a job with a high accident risk, have to spend a lot of time outside, and often travel to many places:

1. Personal Accident Insurance

Personal accident insurance aims to protect yourself from financial losses needed for treatment and care after an accident as well as things that can be obtained when you have an accident such as:

  • Death
  • Serious injury
  • Minor injuries
  • Permanent disability
  • Temporary disability

Personal accident insurance is also widely owned by people with disabilities. To get comprehensive protection from the risk of accidents at work or in public places.

How to Claim

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 external factors and not intentional.
  • The source of the accident was accompanied by violence.
  • The source of the accident must be clearly visible.
  • The arrival of the source of the accident is not wanted
  • The result of an accident must be physical injury.
  • The cause-and-effect relationship cannot be broken.

The following procedures must be done to claim personal accident insurance are:

  • Fill out the claim form provided.
  • Original doctor’s statement regarding medical actions taken, including doctor’s visa.
  • If there are other documents deemed necessary, the ACP will request them immediately.

2. Work Accident Insurance

Work accident insurance is a type of accident insurance that protects you from the risk of accidents at work. Be it inside or outside the office. Whatever the situation, if you are on assignment (working/working hours) and have an accident, the insurance company is obliged to provide compensation or cover the insurance owner’s insurance costs.

A number of benefits will be obtained by participants of work accident insurance, namely:

  • Coverage for medical or treatment costs due to work accidents. Such as minor injuries, severe, non-permanent smallpox, and permanent disability.
  • Provision of compensation or insurance money for families left by workers.
  • The compensation will be given entirely to the family if a family member dies.
How to Claim

Like personal accident insurance, work accident insurance also has certain conditions for providing compensation. That is:

  • 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 be unable to work or move his body.

Work insurance claim submission process:

  • Prepare and bring a doctor’s certificate for accident claims.
  • Photocopy of all supporting examination results (if any)
  • Bring receipts for treatment and care costs as well as transportation receipts.
  • Bring a Police Certificate if the Accident involves the Police

However, before submitting a claim, there are some exceptions in work accident insurance that you must know, namely:

  • Accidents occur due to intentional or carelessness of the person who insures or the insured.
  • Fighting, committing, or attempting suicide or committing a criminal act.
  • Some complaints of illness, such as complaints or brain disease, illness, mental disorders, or the insured is in a drunken state.
  • Pregnancy, childbirth, miscarriage, surgery, or other treatment or medication.
  • Accidents that occur when the insured is in the judicial process, detained, or punished
  • Earthquakes, volcanic eruptions, or ocean waves.
  • War, military action from a foreign country, revolution, hostilities, civil war, armed rebellion, and other security disturbances or riots or terrorists.
  • Driving an airplane or ship illegally.
  • Nuclear radiation or radioactive contamination.
  • Radioactivity, natural explosion, or damage due to nature.

3. Traffic Accident Insurance

Traffic accident insurance is an insurance that is specifically designed to protect road users, both motorists, pedestrians, and people around the highway, from the risk of traffic accidents such as:

  • Minor injuries
  • Serious injury
  • Temporary disability
  • Permanent disability
  • Death
  • Medical expenses and hospital care.

Traffic accident insurance itself is divided into:

  • Personal accident insurance
  • Motorcycle accident insurance
  • Car accident insurance

Traffic accident insurance exists because of the high number of accidents and even deaths on the highway and large. Either due to negligence or other factors such as vehicle damage or bad weather and other external factors.

How to Claim

To submit a claim to the insurance company for an accident that occurs also has several conditions that must be met. The following are the requirements for submitting a traffic accident claim:

  • Bring original and valid receipts for treatment costs and drug receipts.
  • Fill out the application form and bring your personal documents. Such as Group Insurance Agreement letters, insurance proposals that have been approved by prospective policyholders, as well as company documents.
  • Have strong evidence of the occurrence of accidents such as receipts or letters from the police.
  • Determination of heirs consists of family members themselves.
  • Determination of the type of compensation based on the conditions experienced by the insured person.
  • The determination of the amount of compensation is adjusted to the risks experienced.

4. Airplane Accident Insurance

The last is insurance that is specifically for those of you who often travel using airplane transportation. Plane accident insurance is required, if one family member becomes a victim, the family will receive compensation from the airline.

Usually, this insurance is included in the air ticket paid for by the passenger. The carrier operating the aircraft must be responsible for the loss of several things, such as:

  • Passengers who die, are permanently disabled or injured
  • Lost or damaged cabin baggage
  • Lost, destroyed, or damaged checked baggage
  • Airfreight delay
  • Lost, destroyed, or damaged cargo
  • Losses suffered by third parties

When a plane crash occurs, other than plane crash insurance. The victim has the right to claim other types of insurance if any, namely:

  • Personal accident insurance
  • Life insurance
  • Health insurance, and
  • Travel insurance
How to Claim

Before submitting a claim, the victim or heir must attach a number of documents which are the main requirements before the claim submission process in the form of:

  • Flight ticket.
  • Proof of checked baggage (claim tag).
  • Airfreight bill (airway bill).
  • Other evidence that supports and can be justified.
  • If the victim is a third party, it is obligatory to attach a certificate from the party authorized to issue evidence of loss of life and body and/or property due to the operation of the aircraft.

After the document is complete, the next step is to follow these steps:

  • Fill out the claim submission form
  • Attach an Accident Certificate from the local police or similar authorized agency
  • Attach a Death Certificate from the Hospital
  • Identification of the victim and heirs
  • Customer insurance policy (if any)
  • After the documents are completed and the form is filled in, submit or send all the data to the relevant insurance party that provides the accident insurance policy.
  • Waiting for the disbursement process.

You don’t have to have every type of accident insurance available. But you must be able to have accident insurance that suits your needs. If you are just an employee who works in an office with a fairly low level of risk without having to often work outside / in the field and do not have to go on business trips out of town.

You just have to have personal accident insurance and work accident insurance. But if you are a person who works with a high level of mobility and in a work environment that has a high risk of accidents. It is mandatory to have at least 3 of the types of insurance above in order to be more optimal in protecting yourself from various risks of accidents that can come at any time.

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