Guidelines Of Conditions And How To Claim Accident Insurance

Illustration. (Photo: Unsplash)

JAKARTA - Accident insurance is a form of financial protection that benefits when you or your loved ones have an accident. While no one expects an accident to happen, having accident insurance can provide peace of mind due to protection guarantees.

However, to maximize the benefits of accident insurance, it is important to understand the terms and ways of claiming it. Check out the following explanation to find out the steps to claim accident insurance.

Before making claims, it is important to understand the terms that apply. Each insurance company has different requirements. However, in general the requirements for filing claims are as follows.

1. Make sure the Policy is Active

Make sure the insurance policy must be active. So, you have to pay the premium regularly and there should be no arrears. If the policy is in a state of alert then the claim submission can be rejected by the insurance company.

2. Type of Accident Covered

Make sure the types of accidents you experience are included in insurance coverage. Some policies only include certain accidents such as traffic accidents, work accidents, and so on.

3. Police Report

For certain accidents, such as traffic accidents, immediately report them from the police. This is important for evidence that the accident actually happened.

4. Medical Documents

Prepare complete medical documentation, including a doctor's diagnosis and treatment records. Usually this document aims to claim the benefits of accident insurance.

5. Applicable Time Limit for Claims

Pay attention to the deadline for filing claims. Many insurance companies require claims to be submitted within a certain period of time after the accident occurs, for example 30 days or 60 days.

Application for accident insurance claims may differ depending on the type of accident experienced. The following is a complete explanation of how to claim accident insurance according to the type:

The self-accident insurance claim needs to be done within days of the incident by completing the required documents. Here are the steps to claim self-accident insurance:

1. Report Immediately

Immediately report the accident to the insurance provider as soon as possible. Claims should be submitted in a short time because the validity period of claims is usually 12 months since the accident occurred.

2. Chronological Letter of Accident

Write a chronological letter of the accident in detail. Make sure to include the time and location of the incident. Don't forget to attach a photo if available.

3. Complete Documents

Prepare all required documents, such as claim forms, personal identity, policy documents, and others.

4. Document Delivery

Send all the documents to the related insurance company. This can be done through agents, coming directly to the branch office, or sending via email.

5. Evaluation of Claims and Disbursement of Funds

The insurance team will evaluate the claims submitted. If the claim is submitted, the coverage money will be sent to the customer's bank account.

Documents Needed In Claim Application

tan Form pengajuan pernyataan persurahan asuransi kecelakaan diri Berhitung Surat kronologis kecelakaan Badan asli dan fotocopy Fotokopi Kartu Tanda Penduduk (KTP)

If the insured dies alone, the certificate of examination of the body or Visum et Repertum Will be a copy of the certificate of death from the lurah or the police.

If the insured is lost hopefully a certificate of the accident and termination of the search from the authorities will be issued a statement from the heirs that will return the compensation if the insured is found alive.

If the insured has permanent defects, delete the examination certificate from the treating doctor (visum)

To claim the Work Accident Security (JKK) program, here are the steps that need to be taken:

1. Report the incident to the insurance company for a maximum of 2 x 24 hours or 2 days. 2. Come to the hospital for medical treatment. Save all receipts and proof of payment. 3. After receiving treatment, report back to BPJS by preparing documents such as claim form, identity (KTP), Employment BPJS Card JKK, hospital receipt, and doctor's certificate. 4. BPJS Ketenagakerjaan will calculate the amount of compensation that will be given to participants or heirs if participants die.

The following are steps to claim aircraft crash insurance:

1. Fill in the claim submission form.

2. Prepare the necessary documents, such as: Sign Accident Certificates from the local Police or authorized agencies for death letters/Access from HOSPITALs for identification of victims and heirs (KTP, KK, marriage certificates, birth certificates, and so on) Customer insurance policies (if any)

3. Submit or send all documents to the insurance company that provides accident insurance policies.

4. Apart from insurance, the airline will also provide compensation for the accidents that occurred.

To submit a claim for traffic accident insurance through Jasa Raharja, follow the following steps: 1. Prepare a certificate from the local police or related agencies (such as PT KAI for train accidents). 2. Attach a sick certificate or death certificate from the hospital. 3. Prepare documents such as Identity Cards (KTP), Family Cards (KK), and other documents according to the requirements. 4. Visit the Jasa Raharja5 website. Fill in the Compensation Application Form on the page.6. Make sure the data is correct and the documents are complete, then Jasa Raharja will process your claims.

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