Table of Benefits
| Section |
Description |
WORLDWIDE (US$) |
Special Asia |
| |
|
Platinum |
Gold |
|
| 1. |
PERSONAL ACCIDENT
This lump sum benefit is payable on the accidental death, loss of limb(s), eye (s) or permanent disablement from any occupation, which occurs whilist you are travelling. |
100,000 |
35,000 |
25,000 |
| 2. |
Double in-Flight Coverage
The lump sum Benefit for Personal Accident is doubled if the accident occurs while travelling on a regular scheduled flight.
|
200,000 |
70,000 |
50,000 |
| |
MEDICAL, DENTAL and EMERGENCY MEDICAL ASSISTANCE |
|
|
|
| 3. |
Medical, Dental & Other expenses
Becoming ill or being accidentally injured whilst travelling away from your home country can be very expensive. SmartTraveller will reimburse you for medical, emergency dental, hospital, surgical and nursing home expenses, including traditional treatment incurred whilst travelling.
Deductible USD25
Medical Expenses in Indonesia
We will reimbursed medical expenses in Indonesia for a maximum period of 3 months medical treatment. |
100,000
1,250 |
35,000
1,250 |
25,000
1,250 |
| 4. |
Repatriation of Mortal Remains
The cost of transporting the mortal remains back to Indonesia is paid under SmartTraveller. |
7,500 |
3,500 |
2,500 |
| 5. |
Childcare and Compassionate Benefit
This pays for one relative or friend if required on medical advice to remain behind with or travel to or with you following your hospitalisation overseas. It also pays for one relative or friend to accompany your children back to Indonesia following your hospitalisation overseas. |
3,000 |
3,000 |
3,000 |
| 6. |
Hospital Cash Allowance
This is a daily cash allowance for any Insured Person who is admitted to the hospital for more than 24 hours. Cover is for the 'inconvenience suffered' and is available for you to spend in any way you wish.
Maximum USD 25/hari
Deductible USD25 |
500 |
500 |
500 |
| 7. |
Emergency Medical Evacuation and Repatriation
SmartTraveller has arranged with Global Assistance & Healthcare to provide you with its 24-hour worlwide emergency assistance service. The services provided by Global Assistance & Healthcare include medical advice, hospital admission and arrangement of compassionate visits, also monitoring of medical condition and medical expense guarantee, refferal to doctors, hospitals, embassies, lawyers and interpreters. In addition SmartTraveller will reimburse you up to the selected amount for emergency medical evacuation and repatriation arrangements. |
40,000
Family 50,000 |
40,000
Family 50,000 |
40,000
Family 50,000 |
| 8. |
Baggage and Personal Effects
Loss of or damage to your personal luggage including contents and articles worn or carried during your journey are covered up to the limit shown in the policy certificate.
Deductible USD25 |
1,500
Maximum USD 300 any one item/set
Maximum USD 500 for Laptop
|
1,500
Maximum USD 300 any one item/set
Maximum USD 500 for Laptop |
1,500
Maximum USD 300 any one item/set
Maximum USD 500 for Laptop |
| 9. |
Travel Documents
This is a reimbursement for the cost of obtaining replacemnt passports, travel tickets and other relevant travel documents up to USD 150.
Deductible USD25 |
300 |
300 |
300 |
| 10. |
TRAVEL INCONVINIENCE
Baggage Delay
If your baggage is delayed for more than 12 hours due to mishandling by the airlines or hijack, SmartTraveller will reimburse expenses incurred for emergency items such as clothing or toiletries. |
500 |
500 |
500 |
| 11. |
Personal Liability
SmartTraveler cover you against personal Legal Liability to Third Parties for bodily injury or property damage together with associated legal costs and expenses, due to your negligence arising during your journey. |
150,000 |
135,000 |
125,000 |
| 12. |
Travel Delay
You may claim the cash benefit amount shown in the policy certificate for each 12 hour period that the aircraft, train or sea vessel on which you have arranged to travel is delayed due to events beyond your control. Should you choose to re-route, your cost of cancellation charges and any additional cost including accommodation will be reimbursed |
500 (50/12 hours) |
500 (50/12 hours) |
500 (50/12 hours) |
| |
Cancellation due to trip delay.
Deductible USD25 |
2,000 |
2,000 |
2,000 |
| 13. |
Loss of Deposits
This is the reimbursement of any irrecoverable prepaid deposit if it is necessary and unavoidable for you to cancel your trip within 30 days prior to your trip.
Deductible USD25 |
3,000 |
3,000 |
3,000 |
| 14. |
Trip Curtailment
You will be reimbursed for the prepaid and unused part of your journey if you have to curtail your trip due to reasons beyond your control up to the limit stated in policy schedule.
Deductible USD25em> |
2,500 |
2,500 |
2,500 |
| 15. |
Flight Misconnection
This is to reimburse any expenses incurred for additional accomodation, meals or refreshment incurred due to flight misconnection. |
200 |
200 |
200 |
| 16. |
Hijacking
If your conveyance is hijacked, SmartTraveller will pay a daily cash benefit for delay or interruption to your journey. |
1,000
(50/24 hours) |
1,000 (50/24 hours) |
1,000 (50/24 hours) |
| 17. |
Household cover
We will reimburse by payment or at its option by reinstatement or repair against physical loss or damage to the contents based within the residence of the Insured in Indonesia that was left vacant because of the Insured person trip, caused by fire during the period of insurance, but only after the Insured Person has legally left Indonesia. |
5,000 |
No |
No |
| 18. |
Own Risk of Rental Vehicle
We will reimburse the Insured person for any or deductible which Insured person becomes legally liableto pay in respect of loss or damage caused by an Accident to the rented. The Insured person must be either as a named driver or passenger of the rental vehicle. |
250 |
No |
No |
| 19. |
Golfing Equipment Cover
This section will cover
a. Loss of or damage to your golf equipments
b. Entertainment cost if the insured win the hole-in-
one competition. |
250
200 |
No |
No |
| 20. |
Terrorism
This section will cover claim of section 1 - 19 due to terrorism act during your trip. |
Yes |
Yes |
Yes |
| PERIOD |
WORLDWIDE |
Special Asia (USD) |
| Platinum (USD) |
Gold (USD) |
| |
Individual |
Family |
Individual |
Family |
Individual |
Family |
| 1 - 4 hari |
12 |
18 |
9 |
15 |
4 |
10 |
| 5 - 6 hari |
21 |
33 |
15 |
24 |
7 |
20 |
| 7 - 8 hari |
32 |
48 |
24 |
36 |
12 |
30 |
| 9 - 10 hari |
39 |
59 |
29 |
45 |
18 |
39 |
| 11 - 15 hari |
43 |
68 |
37 |
57 |
23 |
50 |
| 16 - 20 hari |
55 |
84 |
40 |
60 |
30 |
58 |
| 21 - 25 hari |
63 |
95 |
43 |
65 |
35 |
63 |
| 26 - 31 hari |
70 |
105 |
46 |
71 |
38 |
69 |
| Each Additional Week |
10 |
20 |
8 |
12 |
6 |
10 |
| Annual Policy |
135 |
185 |
N.A |
N.A |
N.A |
N.A |
| Notes |
| Special Asia : |
Brunei, China, Hongkong, Kamboja, Laos, Macao, Malaysia, Myanmar, Philipina, Singapura, Taiwan, Thailand, Vietnam, Timor Leste. |
| |
|
| Single Trip : |
maximum for any one trip is 180 days |
| Annual Policy : |
maximum for any one trip is 60 days |
Main Exclusions
The following is a summary of the main exclusions in the Policy, but please refer to your certificate of insurance for further details.
|
|
War, revolution, goverment acts, terrorism and sabotage (this Exclusion does not apply to passive risks). Passive risk shall be deemed to mean Insureds being killed or injured because they were accidentally in a place when an act of terrorism or strike, riot and civil commotions occurred.
|
|
|
Nuclear hazard.
|
|
|
Self-inflicted injury or illness.
|
|
|
Venereal disease, AIDS or AIDS related disease.
|
|
|
Alcoholism or drug abuse.
|
|
|
Any pre-existing conditions.
|
|
|
Racing, motor sport, mountaineering, pot-holing, underwater activities or other hazardous pursuits and flying as a pilot or crew member, winter sports.
| |
Important Information
|
|
At the time of effecting this insurance you must be fit to travel and not be aware of any circumstances which could lead to cancellation or disruption of your planned journey.
|
|
|
Coverage is available to adults up to the attainment of 70 years of age on the date of departure.
|
|
|
A family means the Insured, spouse and dependant children over 1 years of age up to 19 years of age or if full-time students up to a maximum of 25 years old.
|
|
|
No refund premium will be allowed once coverage under any section of the policy has become operative.
|
|
|
The maximum period of insurance for a single trip is 180 days and for annual policy is 60 days per trip.
|
|
|
One way cover is not available.
|
|
|
This policy can only be bought by Indonesia citizens or expatriates who have permanent resident permits or KITAS to stay in Indonesia.
|
Medical Assistance and Advice Services
As a customer of SmartTraveller, you automatically become a member of the Global Assistance & Healthcare during your travelling.
As a Medical Assistance provider who is experienced in providing health services and assistance, Global Assistance & Healthcare have a representative in more than 70 countries in the world. Global Assistance & Healthcare has a medical team that dedicated to provide emergency medical assistance or consultation services.
Global Assistance & Healthcare is very easy to be contacted. Any time and any where you need help, assistance is provided quickly and professionally.
In addition, 24 hours per day - 365 days per year service assistance has been dedicated to serving SmartTraveller customers.
When you are abroad and there are EMERGENCY health problems that are covered in SmartTraveller policy, please contact the 24-hour Alarm Center to obtain service medical advice and assistance. Do not forget to mention your certificate number, full name, and travel agent.
24-Hours Alarm Centre : (62-21) 725 8115 (collect call)
Toll Free : 0-800-1-GLOBAL
Other telephone numbers:
| Australia |
: |
1800-352028 |
| France |
: |
0800-909825 |
| Hong Kong |
: |
800-901536 |
| Singapore |
: |
800-6211105 |
| United States |
: |
888-6564234 |
Question & Answer
| 1. Q: |
In the event of transportation delay or sick beyond my control and I cannot return to Indonesia before the expiry date, would I still be covered? |
| A: |
Yes. You are automatically covered without additional premium up to 72 hours where reasonably necessary for the completion of your journey. |
|
| 2. Q: |
Are there any differences in coverages between business and leisure Travels?
|
| A: |
No. You are covered for all benefits insured under Smart Traveller. However, you are not covered for any third liability arising from your pursuit of any trade, business or profession when you are on business travel. |
|
| 3. Q: |
Does SmartTraveller cover any terrorism act? |
| A: |
Yes. Terrorism is covered except for losses arising from terrorist acts using chemical / biological substances or where the insured person is participating in terrorist acts. |
|
| 4. Q: |
Does SmartTraveller cover scuba diving? |
| A: |
No. It is not covered under SmartTraveller. |
|
| 5. Q: |
My credit card provides travel insurance cover whenever I charge my fare or travel package to my card. Do I still need to buy SmartTraveller? |
| A: |
The travel insurance provided by your credit card may not cover Medical Expenses. Our Smart Traveller provides you with many other benefits i.e. Medical Expenses to protect you from overseas high medical cost. Many others benefits such as Personal Accident, Baggage, Travel Delay, Travel Document, Personal Liability, Loss of Deposit or Cancellation, Trip Curtailment, Flight Misconnection, and Hijacking are also covered under SmartTraveller. |
|
| 6. Q: |
Can any children get SmartTraveller for their travel coverage? |
| A: |
Yes. They can buy SmartTraveller, if they travel is accompanied by an adult. |
|
| 7. Q: |
Does SmartTaveller respond to a claim immediately? |
| A: |
Yes. As long as client has submitted document of claim completely we can process their claim within reasonable time since AXA has a reputable claims service and fast track system which provides fair and quick advice and settlement. |
|
| 8. Q: |
If I am above 70 years old, can I still be covered by SmartTraveller? |
| A: |
The standard maximum age for our SmartTraveller is 70 years. However you can be covered subject to our approval and we can only provide travel inconvinience coverage (no personal accident & medical cost cover).
|
For more information, please contact us at +62 21 522 5501 - 03
or email us
at axaindo@axa-insurance.co.id
|
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