Automatic Travel Accident Insurance

Terms and Conditions

• Valid for primary and additional cardholders 
• Valid for one (1) spouse and a maximum of three (3) legitimate biological children aged between 3 months up to 23 years old 
• Riding as a passenger on a licensed commercial common carrier – land, water, or air – both at home and abroad 
• The insurance claim process will be handled by PT. Asuransi Umum BCA (BCAInsurance)

The Insured Person can obtain two (2) types of insurance/coverage from travel insurance, namely:

• Travel Accident
  
  In the event of an accident sustained by the Insured Person during a trip to/from the place of departure and destination (as stated in the ticket), the Insurer will pay a benefit according to the Schedule of Benefits below, on condition that the accident occurs while the Insured Person riding as a passenger of any licensed commercial carrier, not as a pilot or crew member. Specifically for air travel, this insurance or coverage includes accidents sustained by the Insured Person that occur at an airport, during a trip to and from the airport using a common carrier or private vehicle.
  
  

Guarantee Sum Insured is Rp1,000,000,000 (one billion) with the following details:

Compensation Table

The Insurer’s liability for each accident sustained by the Insured Person will not exceed the amount as stated in the Sum Insured Table of Benefits, but coverage in respect of any accident on a common carrier shall not exceed Rp1,000,000,000 (one billion rupiah) for each type of BCA Credit Cards and shall not exceed Rp10,000,000,000 (ten billion rupiah) for all BCA Credit Cards.

Should the aggregate amount of all claims payable in one common carrier exceeds the amount mentioned above then the amount payable in respect of each Insured Person shall be proportionally reduced.

General Exclusions

This Policy does not cover any claim directly or indirectly caused by, resulting from or in connection with:

• suicide or attempted suicide while sane or insane 
• the state of war
• military or air service duty in any country 
• losses arising from acts of terrorism in any way
• pre-existing conditions 
• acts of sabotage
  
  

Exclusions for travel accident insurance

This Policy does not cover any claim directly or indirectly caused by, resulting from or in connection with:

• bodily injury suffered or sustained directly or indirectly due to unlawful acts committed by the Insured Person.
• medical condition or disease which existed before the accident.
• the Insured person under the influence of alcohol or drugs
• disease
  
  

Disappearance

In the event of the disappearance of the Insured Person due to an event covered by this policy and has not been found within 12 calendar months after the Date of Accident, it will be presumed as Death, provided that the disappearance of the Insured Person has been announced by the authority accompanied by supporting evidence from the beneficiary of the Insured Person submitted to the Insurer. In respect of this, the Insurer will assume liability pursuant to the terms and conditions of the Policy.

• Overseas Medical Costs*
  The Insurer shall indemnify the Insured Person for medical costs incurred by the Insured Person according to the usual, customary, and reasonable charges occurring during the trip abroad, which resulted from an accident or illness (pre-existing clause applies), with the Sum Insured as follows:
  
  Sickness means somatic sickness or disease sustained by the Insured during the trip. This coverage provides reimbursement of incurred medical expenses for treatment or follow-up treatment after the Insured Person returns to Indonesia. Such coverage shall be provided if the Insured Person is hospitalized within 12 hours upon return to Indonesia, and it is a necessary follow-up medical treatment received by the Insured Person when treated abroad. Reimbursement for hospitalization in Indonesia is up to a maximum of 7 (seven) consecutive days or 5% of maximum amount of this benefit.
  
  Medical Expense means the actual expenses incurred overseas within 30 (thirty) days since the Date of Accident or illness sustained by the Insured Person that have been paid in advance by the Insured Person to a licensed Physician, Hospital, or the costs of ambulance hire, surgery, x-ray, nurse fee or other necessary medical costs ordered by a licensed Physician.
  
  If the Insured Person receives reimbursement for such Medical Expenses from another insurance company, the Insured Person is only entitled to the difference of such reimbursement received from the other insurance company.
  
  

Exclusions for overseas medical costs

The Insurer shall not be liable for medical expenses incurred:

• at the time and after the Insured Person turns 70 years old.
• when the Insured Person is traveling in contrary to the advice of a Physician.
• if the Insured Person has pre-existing conditions, in which the signs or symptoms of that illness, ailment or condition existed at any time in the period of 12 (twelve) months prior to the scheduled trip and the Insured Person has received medical advice or underwent a medical treatment given by any medical practitioner.
• to injuries occurring in connection with the primary or principal calling of the Insured Person in the oil and gas sector.
• for the reimbursement of compensation from other insurance policies owned by the Insured Person.
• after 60 (sixty) days from the date of the first medical expenses incurred.
• for prostheses, contact lenses, eyeglasses, hearing aids, dental equipment, and other medical equipment.
• for regular medical treatment, cosmetic surgery, other special treatments, and surgeries.
• for other dental and eye treatment expenses unless incurred due to an emergency.
• for treatment due to AIDS or every bodily injury or illness resulting from or occurring at the time of initial testing positive for HIV, and AIDs related complex.
  
  

Payment of Claims

Claim for death benefits is payable to the designated heir or beneficiary of the Insured Person, meanwhile claims for disablement and medical expenses are payable to the Insured Person.

Notice of Claim and Product Information

Written notice of claim must be filed to the Claims Department of PT. Asuransi Umum BCA (BCAinsurance) by the Insured Person or the designated beneficiary immediately and in any event within 30 (thirty) days from the Date of Accident or illness sustained by the Insured Person. For further information about this travel insurance, please contact:

PT. ASURANSI UMUM BCA (BCAinsurance)
Sahid Sudirman Centre Building lantai 10 / Unit F
Jl. Jend. Sudirman Kav.86, Jakarta 10220
Tel: (021) 27889588
Fax: (021) 27889577
Call Center kami : HaloBCA 1500 888
www.bcainsurance.co.id

The Insured Person can obtain two (2) types of insurance/coverage from travel insurance, namely:

• Travel Accident
  
  In the event of an accident sustained by the Insured Person during a trip to/from the place of departure and destination (as stated in the ticket), the Insurer will pay a benefit according to the Schedule of Benefits below, on condition that the accident occurs while the Insured Person riding as a passenger of any licensed commercial carrier, not as a pilot or crew member. Specifically for air travel, this insurance or coverage includes accidents sustained by the Insured Person that occur at an airport, during a trip to and from the airport using a common carrier or private vehicle.
  
  Guarantee Sum Insured is IDR1,500,000,000 (one billion five hundred million) with the following details:
  
  

Compensation Table

The Insurer’s liability for each accident sustained by the Insured Person will not exceed the amount as stated in the Sum Insured Table of Benefits, but coverage in respect of any accident on a common carrier shall not exceed IDR1,500,000,000 (One billion five hundred milion rupiah) for each type of BCA Credit Cards and shall not exceed IDR10,000,000,000 (ten billion rupiah) for all BCA Credit Cards.

Should the aggregate amount of all claims payable in one common carrier exceeds the amount mentioned above then the amount payable in respect of each Insured Person shall be proportionally reduced.

General Exclusions

This Policy does not cover any claim directly or indirectly caused by, resulting from or in connection with:

• suicide or attempted suicide while sane or insane 
• the state of war
• military or air service duty in any country 
• losses arising from acts of terrorism in any way
• pre-existing conditions 
• acts of sabotage
  
  

Exclusions for travel accident insurance

This Policy does not cover any claim directly or indirectly caused by, resulting from or in connection with:

• bodily injury suffered or sustained directly or indirectly due to unlawful acts committed by the Insured Person.
• medical condition or disease which existed before the accident.
• the Insured person under the influence of alcohol or drugs
• disease
  
  

Disappearance

In the event of the disappearance of the Insured Person due to an event covered by this policy and has not been found within 12 calendar months after the Date of Accident, it will be presumed as Death, provided that the disappearance of the Insured Person has been announced by the authority accompanied by supporting evidence from the beneficiary of the Insured Person submitted to the Insurer. In respect of this, the Insurer will assume liability pursuant to the terms and conditions of the Policy.

• Overseas Medical Costs*
  The Insurer shall indemnify the Insured Person for medical costs incurred by the Insured Person according to the usual, customary, and reasonable charges occurring during the trip abroad, which resulted from an accident or illness (pre-existing clause applies), with the Sum Insured as follows:
  
  Sickness means somatic sickness or disease sustained by the Insured during the trip. This coverage provides reimbursement of incurred medical expenses for treatment or follow-up treatment after the Insured Person returns to Indonesia. Such coverage shall be provided if the Insured Person is hospitalized within 12 hours upon return to Indonesia, and it is a necessary follow-up medical treatment received by the Insured Person when treated abroad. Reimbursement for hospitalization in Indonesia is up to a maximum of 7 (seven) consecutive days or 5% of maximum amount of this benefit.
  
  Medical Expense means the actual expenses incurred overseas within 30 (thirty) days since the Date of Accident or illness sustained by the Insured Person that have been paid in advance by the Insured Person to a licensed Physician, Hospital, or the costs of ambulance hire, surgery, x-ray, nurse fee or other necessary medical costs ordered by a licensed Physician.

If the Insured Person receives reimbursement for such Medical Expenses from another insurance company, the Insured Person is only entitled to the difference of such reimbursement received from the other insurance company.

Exclusions for overseas medical costs

The Insurer shall not be liable for medical expenses incurred:

• at the time and after the Insured Person turns 70 years old.
• when the Insured Person is traveling in contrary to the advice of a Physician.
• if the Insured Person has pre-existing conditions, in which the signs or symptoms of that illness, ailment or condition existed at any time in the period of 12 (twelve) months prior to the scheduled trip and the Insured Person has received medical advice or underwent a medical treatment given by any medical practitioner.
• to injuries occurring in connection with the primary or principal calling of the Insured Person in the oil and gas sector.
• for the reimbursement of compensation from other insurance policies owned by the Insured Person.
• after 60 (sixty) days from the date of the first medical expenses incurred.
• for prostheses, contact lenses, eyeglasses, hearing aids, dental equipment, and other medical equipment.
• for regular medical treatment, cosmetic surgery, other special treatments, and surgeries.
• for other dental and eye treatment expenses unless incurred due to an emergency.
• for treatment due to AIDS or every bodily injury or illness resulting from or occurring at the time of initial testing positive for HIV, and AIDs related complex.
  
  

Payment of Claims

Claim for death benefits is payable to the designated heir or beneficiary of the Insured Person, meanwhile claims for disablement and medical expenses are payable to the Insured Person.

Notice of Claim and Product Information

Written notice of claim must be filed to the Claims Department of PT. Asuransi Umum BCA (BCAinsurance) by the Insured Person or the designated beneficiary immediately and in any event within 30 (thirty) days from the Date of Accident or illness sustained by the Insured Person. For further information about this travel insurance, please contact:

PT. ASURANSI UMUM BCA (BCAinsurance)
Sahid Sudirman Centre Building lantai 10 / Unit F
Jl. Jend. Sudirman Kav.86, Jakarta 10220
Tel: (021) 27889588
Fax: (021) 27889577
Call Center kami : HaloBCA 1500 888
www.bcainsurance.co.id

The Insured Person can obtain two (2) types of insurance/coverage from travel insurance, namely:

• Travel Accident
  
  In the event of an accident sustained by the Insured Person during a trip to/from the place of departure and destination (as stated in the ticket), the Insurer will pay a benefit according to the Schedule of Benefits below, on condition that the accident occurs while the Insured Person riding as a passenger of any licensed commercial carrier, not as a pilot or crew member. Specifically for air travel, this insurance or coverage includes accidents sustained by the Insured Person that occur at an airport, during a trip to and from the airport using a common carrier or private vehicle.
  
  

Guarantee Sum Insured is Rp1,000,000,000 (two billion) with the following details:

Compensation Table

The Insurer’s liability for each accident sustained by the Insured Person will not exceed the amount as stated in the Sum Insured Table of Benefits, but coverage in respect of any accident on a common carrier shall not exceed Rp1,000,000,000 (one billion rupiah) for each type of BCA Credit Cards and shall not exceed Rp10,000,000,000 (ten billion rupiah) for all BCA Credit Cards.

Should the aggregate amount of all claims payable in one common carrier exceeds the amount mentioned above then the amount payable in respect of each Insured Person shall be proportionally reduced.

General Exclusions

This Policy does not cover any claim directly or indirectly caused by, resulting from or in connection with:

• suicide or attempted suicide while sane or insane 
• the state of war
• military or air service duty in any country 
• losses arising from acts of terrorism in any way
• pre-existing conditions 
• acts of sabotage
  
  

Exclusions for travel accident insurance

This Policy does not cover any claim directly or indirectly caused by, resulting from or in connection with:

• bodily injury suffered or sustained directly or indirectly due to unlawful acts committed by the Insured Person.
• medical condition or disease which existed before the accident.
• the Insured person under the influence of alcohol or drugs
• disease
  
  

Disappearance

In the event of the disappearance of the Insured Person due to an event covered by this policy and has not been found within 12 calendar months after the Date of Accident, it will be presumed as Death, provided that the disappearance of the Insured Person has been announced by the authority accompanied by supporting evidence from the beneficiary of the Insured Person submitted to the Insurer. In respect of this, the Insurer will assume liability pursuant to the terms and conditions of the Policy.

• Overseas Medical Costs*
  The Insurer shall indemnify the Insured Person for medical costs incurred by the Insured Person according to the usual, customary, and reasonable charges occurring during the trip abroad, which resulted from an accident or illness (pre-existing clause applies), with the Sum Insured as follows:
  
  Sickness means somatic sickness or disease sustained by the Insured during the trip. This coverage provides reimbursement of incurred medical expenses for treatment or follow-up treatment after the Insured Person returns to Indonesia. Such coverage shall be provided if the Insured Person is hospitalized within 12 hours upon return to Indonesia, and it is a necessary follow-up medical treatment received by the Insured Person when treated abroad. Reimbursement for hospitalization in Indonesia is up to a maximum of 7 (seven) consecutive days or 5% of maximum amount of this benefit.
  
  Medical Expense means the actual expenses incurred overseas within 30 (thirty) days since the Date of Accident or illness sustained by the Insured Person that have been paid in advance by the Insured Person to a licensed Physician, Hospital, or the costs of ambulance hire, surgery, x-ray, nurse fee or other necessary medical costs ordered by a licensed Physician.
  
  If the Insured Person receives reimbursement for such Medical Expenses from another insurance company, the Insured Person is only entitled to the difference of such reimbursement received from the other insurance company.

Exclusions for overseas medical costs

The Insurer shall not be liable for medical expenses incurred:

• at the time and after the Insured Person turns 70 years old.
• when the Insured Person is traveling in contrary to the advice of a Physician.
• if the Insured Person has pre-existing conditions, in which the signs or symptoms of that illness, ailment or condition existed at any time in the period of 12 (twelve) months prior to the scheduled trip and the Insured Person has received medical advice or underwent a medical treatment given by any medical practitioner.
• to injuries occurring in connection with the primary or principal calling of the Insured Person in the oil and gas sector.
• for the reimbursement of compensation from other insurance policies owned by the Insured Person.
• after 60 (sixty) days from the date of the first medical expenses incurred.
• for prostheses, contact lenses, eyeglasses, hearing aids, dental equipment, and other medical equipment.
• for regular medical treatment, cosmetic surgery, other special treatments, and surgeries.
• for other dental and eye treatment expenses unless incurred due to an emergency.
• for treatment due to AIDS or every bodily injury or illness resulting from or occurring at the time of initial testing positive for HIV, and AIDs related complex.

• Travel Delay & Baggage Loss/Damage

• Insured Event	Nilai Pertanggungan
  Travel Delay	Rp200,000 per 6 hours, a maximum of Rp 800,000/Insured Person or a maximum of Rp2,000,000/family
  Baggage Loss/Damage	Maximum of Rp 10,000,000/Insured Person or a maximum of Rp 20,000,000/family

Payment of Claims

Claim for death benefits is payable to the designated heir or beneficiary of the Insured Person, meanwhile claims for disablement and medical expenses are payable to the Insured Person.

Notice of Claim and Product Information

Written notice of claim must be filed to the Claims Department of PT. Asuransi Umum BCA (BCAinsurance) by the Insured Person or the designated beneficiary immediately and in any event within 30 (thirty) days from the Date of Accident or illness sustained by the Insured Person. For further information about this travel insurance, please contact:

PT. ASURANSI UMUM BCA (BCAinsurance)
Sahid Sudirman Centre Building lantai 10 / Unit F
Jl. Jend. Sudirman Kav.86, Jakarta 10220
Tel: (021) 27889588
Fax: (021) 27889577
Call Center kami : HaloBCA 1500888
www.bcainsurance.co.id