Currently, insurance has become a necessity for almost all people in Indonesia. There are many types of insurance offered, and one of them is accident insurance. However, many people still do not care about this insurance. The reason is that there are so many things in our lives that we cannot predict, one of which is an accident. It can happen anywhere, even when working or on our way to work. It is where accident insurance plays a role in all of these problems.
Because there are still many who ignore accident insurance, many still don’t know what benefits they will get from accident insurance. For that, as early as possible, let’s recognize what accident insurance is and its various types!
What is Accident Insurance?
Accident insurance is loss insurance that guarantees users protection from the risk of death and permanent disability. This type of insurance will also cover the cost of care when the Insured has an accident.
Thus, accident insurance will provide users with benefits to reduce the risk or financial loss in the event of an accident at work or while driving.
Types of Accident Insurance
Previously, we discussed the benefits of accident insurance. Here four types of accident insurance exist and must be known.
- Personal Accident Insurance
Personal accident insurance is a type of accident insurance to protect users from accidents such as minor accidents to severe accidents that result in the death of the Insured, especially if the Insured is the person who is responsible for the family. In addition, t protect Personal Accident Insurance also provides guarantees in the form of treatment and care if the insurer experiences permanent disability (whole/partially).
- Work Accident Insurance
Work accident insurance is a type of insurance that aims to protect the owner from work accidents or those that can occur while working or on the way to work. Because accidents when or when going to work can happen anytime, this insurance is here for that.
This insurance will guarantee and cover the insurance owner’s dependents when he has an accident while on duty. Thus, there are several benefits for the owner of work accident insurance will be obtained, including:
- Medical expenses and care for those who have an accident while working or going to work result in them being injured or even permanently disabled
- Compensation for the families of the abandoned workers
- Traffic Accident Insurance
As discussed earlier, accidents can happen at any time, even when we are walking. Therefore, one type of accident insurance can choose, namely traffic accident insurance. We know that traffic accidents risk permanent disability to cause death, so we need this traffic accident insurance. This insurance covers motorcycle accidents, cars, and accidents in public transportation.
- Airplane Accident Insurance
The last accident insurance is aircraft accident insurance. It is usually included in the ticket purchased by airline passengers. Usually, in the event of a plane crash, the families of the passengers left behind will receive compensation from the airline.
In addition, plane crash victims can claim other insurances, including life insurance, personal accident insurance, travel insurance, and health insurance.
Why is Accident Insurance So Important?
We often find unexpected things happen to us, one of which is an accident. Maybe if the effects caused by accident are only minor injuries, we don’t have to worry about the costs. However, what if something worse, such as a severe injury, fracture, or permanent disability? If we don’t rely on insurance, we might incur huge losses.
Therefore, the role of accident insurance is vital to protect you from more severe risks. In addition, for those who are married, accident insurance can help the bereaved family by providing compensation.
Personal Accident Insurance t Protect from Tugu Insurance
Because accidents are unpredictable, Tugu Insurance provides a product that can cover the risk of death, permanent disability (partial/complete), medical expenses, and direct care caused by physical or chemical accidents that come suddenly or planned, and the product is t protect.
How to Claim Personal Accident Insurance t protect from Tugu Insurance?
Tugu certainly makes it easy for users of its products who want to claim insurance. There are two channels that you can use easily, including:
Call TIA via Whatsapp at 0811 97 900 100 or call 1500458.
Or visit branch offices spread across several areas.
The documents that you need to prepare during the claim process include:
- t protect claim form & accident chronology
- Photocopy of Identity
- Certificate from hospital/doctor/alternative/traditional medicine
- t protect insurance policy number
- X-ray
- Other reasonable & relevant documents
Further information regarding the claim document is as stated in the policy provisions.
So, are you ready to give yourself some extra protection? Come on, register yourself immediately for Personal Accident Insurance from Tugu Insurance!