1. Flight Cancellation
If a flight is canceled due to any of the following events occurring within 30 (thirty) calendar days (except item (3)) before the trip departure date:
- Death, serious injury, severe illness, or mandatory quarantine must be undergone by the Insured or the Insured’s Close Family Member
- Unexpected strikes, riots, or civil unrest beyond the control of the Insured at the destination
- Severe damage to the Insured’s primary residence caused by fire, flooding, or other natural disasters (such as hurricanes, earthquakes, etc.) within 7 (seven) calendar days before the departure date, which requires the Insured to be present at the location on the departure date
- Being called as a witness or jury member in court.
The Insurer will provide compensation, up to the limits stated in the Insurance Certificate / Coverage Summary, for the loss of prepaid travel and/or accommodation expenses:
- That has been paid in advance by the Insured
- For which the Insured is legally responsible
- That cannot be recovered from other sources.
2. Medical Expenses
The Insurer will provide compensation up to the limits stated in the Insurance Certificate / Coverage Summary for medical expenses incurred if the Insured suffers injury or illness during the trip. If the Insured is entitled to receive compensation for all or part of the expenses from another person or source, the Insurer will only reimburse the amount of medical expenses that exceed the amount the Insured receives from that person or source, up to the applicable limits.
3. Flight Delay (by the airline)
The insured is entitled to receive compensation in the event of a delay of 4 (four) consecutive hours.
4. Baggage Delay
The Insurer will provide compensation up to the limits stated in the Insurance Certificate / Coverage Summary if the baggage that was "checked-in" with the Insured is delayed, misdirected, or misplaced by the transportation company, for the time periods specified in the Insurance Certificate / Coverage Summary after the Insured’s arrival at the baggage claim area at the destination listed in the Insurance Certificate / Coverage Summary. This benefit will not be provided if the baggage delay occurs when the Insured is returning to their home country/city.
5. Baggage and Personal Belongings (covers hand-carry items without supervision)
The Insurer will provide compensation to the Insured up to the limits stated in the Insurance Certificate / Coverage Summary for loss or damage to personal baggage carried or purchased, including clothing and personal belongings worn or carried by the Insured in suitcases, bags, etc. All items must be the Insured's personal property, not rental, borrowed, or entrusted items. If the Insured's property cannot be economically repaired, the claim under this Policy will be handled as if the item were lost.
If the damaged or lost item is part of a pair or set, the Insurer's liability will not exceed the proportional value of the pair or set. The Insurer may provide compensation or, at its own discretion, repair or replace the item, taking into account the level of wear and depreciation.
Depreciation does not apply to electronic items purchased less than 1 (one) year prior to the date of the incident, provided the Insured can show supporting documents (e.g., original purchase receipts or original warranty cards) for the claim. Losses must be reported immediately to the police or relevant authorities such as hotel management and the transportation company with jurisdiction over the location of the loss. Any claim must be accompanied by written documentation from those authorities.
6. Personal Accident and Permanent Disability
If the Insured experiences an accident during the journey, the Insurer will provide compensation to the Insured or their beneficiaries, in accordance with the limits stated in the Insurance Certificate / Coverage Summary.
| No. |
Type of Loss |
Coverage Limit |
| 1. |
Death |
100% |
| 2. |
Total and permanent disability
|
100% |
| 3. |
Permanent paralysis of all limbs/arms
|
100% |
| 4. |
Total and permanent blindness of both eyes
|
100% |
| 5. |
Permanent loss of partial or total use of both limbs/arms
|
100% |
| 6. |
Total and permanent loss of the ability to speak and hear
|
100% |
| 7. |
Total and permanent loss of hearing
|
|
|
|
75% |
|
|
15% |
| 8. |
Total and permanent loss of vision in one eye
|
50% |
| 9. |
Loss of use of one limb/arm |
50% |
Conditions
- Based on compensation no. 2, except by proving to the Insurer that the disability has lasted for 12 months from the date of the injury and, in all likelihood, will continue for life.
- The maximum amount of all benefits that can be provided for one or more injuries suffered by the Insured during the Coverage Period shall not exceed the maximum limit as stated in the Insurance Certificate/Summary of Coverage.
Definition
- "Total Disability” means total disability that is solely and directly caused by the Injury and prevents the Insured from performing their business or work (in any form or type), or in the case where the individual has no business or work, from performing their daily tasks and duties.
- “Permanent” means that it has lasted for 12 (twelve) consecutive months and at the end of that period, there is no expectation of recovery.
- “Loss of Vision” means total and irreversible loss of the ability to see in one eye, which renders the Insured completely blind in that eye and cannot be cured through surgery or any medical efforts.
7. Visa Protection
If the Insured is forced to cancel or reschedule their trip abroad due to a visa application being rejected by the Embassy, the Insurer will provide compensation for the loss of visa fees that have been previously paid and are non-refundable from any other party. This includes accommodation costs that have been incurred and are non-refundable, such as flight tickets, hotel, train tickets, etc.
Visa Rejection
Visa appplication fee + compensation for non-refundable travel costs.
Benefits
Covers 100% of the visa application fee + non-refundable travel costs if the visa application is rejected.
Coverage Period
The coverage begins once the Insured registered for the insurance program and ends when the visa application decision is received by the Insured or on the departure date (whichever occurs first).
General Terms
- The Visa & Travel Protection must be purchased before applying for visa.
- The visa application must be made at least 30 calendar days before the departure date.
Exclusions
This insurance does not guarantee and the Insurer will not be liable under any circumstances to pay the Benefits or compensate the Insured for losses related to, caused directly or indirectly by, resulting from, arising in connection with, or exacerbated by any of the following:
- Declared or undeclared war or acts of war, invasion, foreign enemy, civil war, rebellion, revolution, military or usurped power.
- Any illegal act, whether intentional or unintentional, by the Policyholder or the Insured, whether of sound mind or not.
- The Insured acting as law enforcement officers, emergency medical personnel, fire-fighting personnel, civil defense officers, or military personnel of any country or international authority, whether in full-time service or as volunteers.
- Transfer of suspicious accounts (sudden large cash flows within a month or a few days before the account statement date), using statements older than the previous month.
- The Insured's passport validity is less than six months.
- Having been an illegal immigrant or violated previous stay duration limits.
- Failure to provide the required documents as stipulated by the embassy of the destination country, including but not limited to a reliable work certificate (if an employee), proof that the Insured will return to Indonesia, a complete Itinerary, a letter of sponsorship, proof of hotel booking, travel insurance or other documents related.
- Visa rejection due to the Insured's health condition or old age.
- Coronavirus Disease (COVID-19); Severe Acute Respiratory Syndrome Coronavirus 2 (SARS-CoV-2); any mutations or variants of SARS-CoV-2.
- Any fear or threat arising from the conditions listed in point (9) above, whether originating from the Insured or external factors.
- Application for a visa before purchasing the insurance.
8. Medical Repatriation
When medically necessary, as determined by the Insurer, repatriation will be performed under medical supervision to the Insured’s legal residence once the Insured is medically cleared for travel with a commercial carrier, provided the repatriation will not be interfering or aggravate the Insured’s health condition. The Insurer shall reimburse the covered expenses for such medical repatriation.
9. Repatriation of Remains
If the Insured dies suddenly from a physical injury during travels, in the event of death, the reasonable charges for burial or cremation of the Insured in the locality where death occurs or the reasonable cost of transporting the remains of the deceased Insured to a funeral home and where appropriate, cost of a postmortem, according to the amount of invoice sent to the Insurer. In this case, the Insurer shall determine the delivery method.
