Rector of the University of Medan Area Prof. Dr. Dadan Ramdan, M.Eng.MSc accompanied by WR-3 Muazzul SH. M.Hum and Chief Batri Sri Indrawati, Ssi, MAP. submit the Student Insurance Participant Card to the Deputy Dean -3 Faculty of Economics and Business Ir. M. Yamin Siregar, MM and representatives of 2 students from the Faculty of Economics and Business, namely: Farin Raniza 188330057 and Meutia Larasati 188330031. This Personal Accident Insurance Participant Card is very important. This card is the result of collaboration between Medan Area University and BUMIDA Bumiputera.
PT.Asuransi Umum Bumiputera Muda 1967 (hereinafter referred to as BUMIDA) was founded on the idea of the management of AJB Bumiputera 1912 as the holding company, represented by Drs. HIK Suprakto and Mohammad S. Hasyim, MA in accordance with deed No. 7 dated 8 December 1967 from Notary Raden Soerojo Wongsowidjojo, SH who is domiciled in Jakarta and announced in an additional State Gazette of the Republic of Indonesia No. 15 dated February 20, 1970. Bumida obtained an operational permit from the Directorate of Financial Institutions, Directorate General of Domestic Monetary, Ministry of Finance of the Republic of Indonesia through letter No. KEP. 350 / DJM / 111.3 / 7/1973 dated 24 July 1973 and extended according to the Decree of the Minister of Finance 1986.
IDENTIFY THE BENEFITS YOU CAN GET FROM PERSONAL ACCIDENT INSURANCE
Have you ever heard of the name personal accident insurance product or personal accident insurance? Of the various insurance products in circulation, personal accident insurance is one of the most important and popular protection. The proof, almost all insurance companies offer this product. However, do you already understand the protection offered by personal accident insurance? Let’s look further.
Personal accident insurance is important for everyone because accidents can happen to anyone. Personal accident insurance is protection provided by insurance companies to protect financial losses that may arise if the insured has an accident that results in total permanent disability or death. There are at least three benefits offered by personal accident insurance.
Compensation for death
Compensation for death is a basic benefit that is guaranteed by all personal accident insurance. With this benefit, the insurance company will provide compensation or cash to the heirs who are left behind if the insured dies due to an accident.
You may ask, what is the difference between death benefits in life insurance and accident insurance. The difference between the two products lies in the cause of death, which is the condition for the disbursement of compensation. In life insurance, the heirs will receive compensation or sum insured if the insured dies due to illness or accident. While in accident insurance, compensation will come out if the insured dies because of an accident.
Permanent disability compensation
Accident insurance also provides compensation for permanent disabilities caused by accidents. Currently, several insurance companies have specific definitions of the risk of permanent disability. Broadly speaking, the definition of the risk of permanent disability can be classified into two groups, namely:
Total permanent disability, such as loss of vision in both eyes or malfunctioning of both arms. The insured person with total permanent disability due to an accident will receive 100% compensation.
Partial permanent disability, for example malfunctioning of a part of the body, for example a left arm or leg that was broken 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.
This compensation can be useful as an emergency fund or a temporary substitute for income for families who are affected by disaster.
Reimbursement of medical expenses or care due to an accident
Accident insurance also offers additional benefits in the form of reimbursement of medical expenses or treatment due to accidents. In fact, you can also get the benefits of reimbursement for treatment due to this accident in health insurance. So, before taking this additional benefit on accident insurance, first check the similar benefits you have in health insurance. If the amount is not sufficient, there is no harm in adding the benefits of reimbursement of medical expenses due to accidents to accident insurance.
Then, the benefits of reimbursement of medical and treatment costs due to this accident are actually also found in BPJS Ketenagakerjaan. So, if you already have these benefits at BPJS Ketenagakerjaan, also check whether these benefits are sufficient for your needs or not. If it is considered lacking, there is nothing wrong if you add accident protection from the insurance company.
Who needs personal accident insurance?
Everyone actually has the risk of getting into an accident. However, some people in certain professions and circumstances have a higher risk than the average person. They are the ones who especially need personal accident insurance. Who are they?
For example those who work in the mines, extreme sports athletes, construction and construction workers, pilots, drivers, skippers, machinists, soldiers, police, and so on. In addition, people with high mobility and often driving motorized vehicles also need accident insurance. That’s why accident insurance is often offered at the airport to people who want to travel by plane.
Get free accident insurance
Given that the benefits of personal accident insurance intersect with other insurance benefits, it is not surprising that this product is generally offered as an additional benefit for life insurance, health insurance and motor vehicle insurance. This will make it easier for you to find and buy personal accident insurance.
If you are currently considering having this insurance, now you can also find free personal accident insurance. Cigna Personal Accident Insurance is insurance that provides accident protection with a premium of Rp. 0 and death benefits due to accidents of up to Rp. 20 million. Interestingly, this protection is valid for 30 days from receipt of proof of membership and does not have a waiting period.
How to get this insurance is also very easy. This insurance applies to the insured with entry ages of 18 years to 64 years. All you have to do is fill out the form on the Cigna website. You are also free from having to do medical check-ups or other health checks.
So what are you waiting for? By having personal accident insurance, you can do your activities calmly even though you have high mobility and work risks. Come on, love yourself and your family by having personal accident insurance.