Name Product : Personal Accident Insurance
Type Product: Personal Accident Insurance
Name of Insurance Company : PT. Asuransi MSIG Indonesia (licensed and supervised by Financial Services Authority (OJK)
Summary
This insurance provides coverage to the insured for bodily injury resulting from external events, excluding any physical conditions arising from poisoning, anesthesia, sunstroke, heat stroke, or psychological disorders. Indemnification is subject to the terms and conditions of the policy.
Benefits and Risks - Covered Risks
The Insured dies, as a direct result of the injury, within 180 (one hundred and eighty) days from the date of the accident or;
Has been missing for and not be found within at least 60 (sixty) days from the date of the accident (which further will be deemed had died).
Sequela, condition of the insured having lost part of his body or suffering a permanent serious impediment in the function thereof, as a direct result of the injury within one hundred and eighty days from the date of the accident, the insurer shall pay to the insured as a sequela benefit such amount as may be obtained by multiplying the amount insured by the ratio described in each item of the attached table I.
If, as a direct of the injury described in Article 1. the Insured’s function of life or his ability to attend to business is lost or diminished, necessitating him to be under medical treatment, the Insurer shall pay to the Insured the Medical Expense(s) reasonable and necessary for remedy the injury within the amount stated in the Schedule of this Policy in respect of any one accident.
Payment of medical expenses benefit described in the preceding paragraph shall be limited to such cost(s) as enumerated hereunder which incurred within 180 (one hundred and eighty) calendar days from such Injury:
Doctor’s fee for examination(s) including X-ray examination), surgical treatment(s) and/or operation;
Drugs and medicines prescribed by the doctor;
Dressing, ordinary splints and/or plaster casts prescribed by the doctor;
Fee for professional nurse(s) prescribed by the doctor;
Charges for ambulance to hospital or clinic, but excluding ordinary and not emergent transport charges to hospital or clinic;
Charges for hospitalization such as room charge of hospital or clinic, but excluding any ordinary costs like foodstuffs during the hospitalization;
Expense incurred to move the Insured to another hospital or clinic by reason of unavailability of specialist or of difficulty in receiving appropriate treatment at the hospital or the clinic in which the Insured in confined, including expense incurred for attendance, if necessary, of a doctor of medicine or professional nurse to afford treatment during the transportation.
Exclusion
The Insurer shall not pay the claim for an injury resulting from any of the following causes or accidents either direct or indirect:
willful act or gross negligence of the person effecting the insurance or the Insured;
willful act or gross negligence of a person who is entitled to receive the benefit under this Policy, provided that in case he is entitled to receive a part of the death benefit, this shall not apply as to the amount which any other person is entitled to receive;
the Insured’s act of fighting, committing or attempting suicide, or committing a crime;
brain complaint, disease, mental disorder or drunkenness of the Insured;
pregnancy, childbirth, miscarriage, surgical operation or other medical treatment on the Insured; however, this shall not apply as to a treatment for the purpose of curing any injury covered by the Insurer;
accident arising while the Insured is under the execution of a sentence, detention or imprisonment;
earthquake, volcanic eruption or tidal wave;
war, military act of foreign nations, revolution, insurrection, civil war, armed rebellion and other disturbance or riot similar thereto (i.e. state of affairs in which the national or local tranquility is disturbed by a collective action of a group or groups of persons, and a serious situation in maintaining peace and order is deemed to exist), terrorism.
illegal control (including all attempts thereat) of aircraft or vessel for the purpose of attempting or carrying out, and as a means of, disturbance or riot described in the preceding item;
nuclear radiation or radioactive contamination;
radioactivity, explosive nature, or other harmful nature, or any accident attributable thereto, of nuclear fuel materials (including used fuel; hereinafter the same) or things (including products of nuclear fission) contaminated by nuclear fuel materials;
Accident incidental to any of the accidents described in the preceding 5 items.
The Insurer shall not pay the claim for any contagious disease (i.e. rose, inflammation of a lymphatic gland, septicaemia, tetanus, etc.) resulting from such minor wound as not impeding the daily life or usual business.
The Insurer shall not pay the claim for an injury which the Insured sustains during the following period unless the person effecting the insurance has duly paid the corresponding premium as fixed by the Insurer for the following actions:
while the Insured is taking the exercise stipulated in item 1 of the attached Table II;
while the Insured is engaging in a game or training therefor stipulated in item 2 of the attached Table II; however, this shall not apply in case the Insured is under sixteen years of age at the time of entering into this Contract;
while the Insured is engaging in a game, racing, trial run or performance (including training therefor) by automobile, motorbike, etc. in a place other than the road as specified in the Road Traffic Law;
While the Insured is piloting an aircraft which is not in use for regular or irregular air transport business.
Requirements and Procedures
Premium Payment:
As the Insurer shall be deemed to have received premium payment, at the time of the relevant premium has already been deposited to the Insurer's bank account or any other means agreed upon between the Insurer and the Insured, then there is no premium payment grace period shall be applicable for online transaction where premium payment by customer is mandatory requirement before insurance coverage is activated.
Premium payment method: Lump-sum payment.
Coverage Period: 1 Month, 3 Months and 6 Months.
The premium currency is Indonesian Rupiah (IDR).
Claim Submission Procedures and Requirements
If a beneficiary under this Policy wishes to receive payment, they must submit the following documents to the Insurer along with the claim letter and the Policy:
A report on the injury condition in a form provided by the Insurer;
In case of a death claim, a death certificate or a coroner's report;
In case of a death claim, a copy of the Beneficiary's identification if not previously designated;
In case of a "sequela" benefit or medical benefit claim, a medical certificate indicating the severity of the injury;
Other documents requested by the Insurer that are:
a) Relevant to the coverage; and
b) Reasonable in the process of resolving Claim Settlement Procedures and Payments.
Product Pricing:
Premium: As per the premium table.
Stamp duty fees.
Simulation:
Insurance Period: January 1, 2025, to March 30, 2025.
Selected Package: Kaze Move
Premium: IDR 115,000
Compensation Claim:
Loss Date: January 3, 2025.
The Insured suffered accidental death, entitling the beneficiary to a benefit of IDR 100,000,000.
Benefit and Premium Table
| Benefit | Kaze Lite | Kaze Move | Kaze Zen |
| Death & Permanent Disability Benefit due to Accident | IDR 100,000,000 | IDR 150,000,000 | IDR 200,000,000 |
| Funeral Expense Benefit | IDR 1,000,000 | IDR 1,000,000 | IDR 1,000,000 |
| Medical Expense Benefit | IDR 10,000,000 | IDR 15,000,000 | IDR 20,000,000 |
| Including physiotherapy and ambulance costs |
| Period Coverage | Kaze Lite | Kaze Move | Kaze Zen |
| 1 Month | IDR 40,000 | IDR 78,000 | IDR 135,000 |
| 3 Month | IDR 58,000 | IDR 115,000 | IDR 200,000 |
| 6 Month | IDR 65,000 | IDR 130,000 | IDR 225,000 |
Complaint Procedure
Customers can report complaints through the following channels:
The insurer will respond within a maximum of 5 working days for verbal complaints and 10 working days for written complaints, after the complaint has been received.
If necessary, the customer may be required to provide additional information and supporting documents.
The insurer will process the complaint and provide a final response to the customer regarding the complaint submitted.
Email: Customer@id.msig-asia.com
Website: www.msig.co.id
Phone: (021) 252 3110
Contacting staff/PIC at the Head Office and Branches
Visiting the Head Office or Branches in person
Additional Information
The products offered are insurance products.
For this product, terms and conditions can be found in the brochure, quotation, policy, specimen policy, website www.msig.co.id , by visiting the nearest MSIG Insurance office, or by contacting PT. Asuransi MSIG Indonesia Head Office at 021-2523110.
Disclaimer (Important to Read)
You are required to read and understand the insurance policy as summarized in the Product and Service Information Summary, as well as the insurance policy, and have the right to ask the insurance company's staff about any matter related to this Product and Service Information Summary.
You must read, understand, and sign the insurance application or quotation letter.
The attached Product and Service Information Summary is not part of the insurance application or policy and is a general explanation of the insurance product. Detailed terms and conditions can be found in the quotation letter.
In these Terms and Conditions, the use of the words "we" refers to the msigonline.co.id and "User" refers to anyone who uses the services of msigonline.co.id (the “Services”).
msigonline.co.id provides online services for users who plan to buy any insurance products provided by PT. Asuransi MSIG Indonesia. The services are provided free of charge.
The payment of premium can only be made through the payment channels we have provided.
The currency we use is Rupiah (IDR).
General Provisions
Pursuant to the applicable law, we are fully entitled to restrict, block or terminate services of a User's account, prohibit access to the content and services, and take legal steps to maintain other Users, if we consider that the User violates the applicable laws, infringe intellectual property rights of the relevant parties, or commit an offense that constitutes violation under these Terms and Conditions.
The User understands that the User’s content (except credit card information) can be transferred without being unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to the technical requirements of networks or devices. Credit card information is always encrypted during transfer over networks.
The User agrees not to produce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services without express written consent of PT. Asuransi MSIG Indonesia
The section headings and subheadings in these Terms and Conditions are for only convenience, and will not limit or affect the Terms and Conditions on this page.
Account Activation
By agreeing to these Terms and Conditions, the User is at least 17 years or older.
The User may not use the Services and our products for illegal or invalid purposes. Any international User is automatically deemed to have agreed to comply with the applicable law in Indonesia regarding acceptable online activities and content. If the User is found to have engaged in any illegal use or misuse of our Services, PT. Asuransi MSIG Indonesia will suspend the User’s account.
Any violation of one of the Requirements as specified in these Terms and Conditions will result in the immediate termination of Services for the User.
Accuracy, Completeness and Timeliness of Information on This Website
We endeavor to continue our best to provide information and Services to ensure they are optimal, so the User feel comfortable and safe, but we cannot guarantee that the information provided on the Services are fully accurate, complete, and updated.
The materials on the Service are provided only as general information and should not be relied upon or used as the only basis for making significant decisions without consulting with other sources of more accurate, complete, and updated information.
We have the right to change the content of the Services at any time without prior notice to the User.
The User agrees that any consequences arising from reliance upon this material on the Services are borne by the User. The User is obliged to monitor changes to the Services.
Use of the Website
To access the Services, the User must be at least 18 years old. Access to and use of the Services are governed by our Terms and Conditions and Privacy Policy. Using the Website, the User agrees to our Terms and Conditions and Privacy Policy. If the User does not agree to comply with the regulations, the User is not allowed to access or use the content or Services provided by msigonline.co.id.
We have at any time the right to display, modify, delete, edit, remove, or change any data, content, materials, features or information displayed on the Services without prior notice. The User is responsible for checking these Terms and Conditions pages periodically to see any changes. The User’s continued use of or access to the Services following changes is a form of acceptance of the changes.
Limitation of Liabilities
After the User signs up as a registered User of our Services, we can use the data of the User for the following purposes:
to contact the User to verify the personal data provided, or to request the required additional information
to send information about products and services that the User may find interesting
Declare that the information in the foregoing statements shall be true and accurate in accordance with the actual circumstances that we/I am aware of or should be aware of.
Acknowledge that my personal particulars provided in this General Insurance Application will serve as the basis for and constitute an integral part of the policy to be issued, and therefore any inaccuracy therein shall constitute a breach of, or a failure to comply with, the obligation to disclose material facts. Any such breach shall result in the rejection of any claim submitted.
Understand that the insurance being applied for shall become effective only upon the written approval of the Insurer.
Understand and accept that my personal particulars will be collected, used, and disclosed by PT. Asuransi MSIG Indonesia in accordance with the laws and regulations on Personal Data Protection and PT. Asuransi MSIG Indonesia's Privacy Policy, for the provision of all services related to, and protection under, this insurance policy, including for proper servicing, claims administration, and underwriting. PT. Asuransi MSIG Indonesia may disclose my personal particulars to its business partners and third party service providers for these purposes. PT. Asuransi MSIG Indonesia may also send me marketing mailers by post or emails. Where there are more than one individual insured persons, I confirm that they have consented to PT. Asuransi MSIG Indonesia's collection, use and disclosure of their personal particulars.
PT. Asuransi MSIG Indonesia gives the User freedom to use the Services in accordance with the Terms and Conditions.
PT. Asuransi MSIG Indonesia is not responsible for the wrong data the User enters, which results in the User’s inability to make a claim.
PT. Asuransi MSIG Indonesia does not guarantee that the Services will be uninterrupted, timely, secure, or error free.
PT. Asuransi MSIG Indonesia does not guarantee that the result that from the use of the Services will be accurate or reliable.
PT. Asuransi MSIG Indonesia may at any time remove or cancel the Services for an undetermined time without prior notice.
Prohibited Uses
The following uses are prohibited:
Any use or attempted use of the Services (i) for purposes which are unlawful, unauthorized, fraudulent or other malicious intentions more, or (ii) that may damage, disable, overburden, or impair any server, or network(s) connected to any server, or (iii) to interrupt other party's use and satisfaction gained from using the Services, or (iv) to gain access to an unauthorized account, computer system or network sharing which is connected to the server or systems through hacking, stealing passwords or other means, or (v) to access the system, data or information that is not intended by its owner to be accessed by the User, or (vi) to in any manner obtain materials or information not intended by the owner to be given, or (vii) for any other uses other than for the benefit of businesses that become the purpose of the Services.
In addition, in connection with the User's use of the Services, the User agrees not to:
Upload or send any messages, information, data, text, software or images, or other contents (the "Contents") that are unlawful, harmful, threatening, offensive, harassing, injurious, libelous, abusive, obscene, defamatory, or other matters that are not acceptable, or that might violate the rights, privacy or publicity of others.
Upload or insert files that contain viruses, worms, or corrupt files, or any other similar software or programs that may damage the operation of the computer or property of others;
Use the communication features of the Services in a way that negatively impacts the availability of its resources to other users (e.g., excessive comment, use of capital letters, or continuously flood with repetitive posts and texts);
Violate any applicable laws, whether local, regional, national or international laws;
Manipulate or display the Services using the technique of framing, mirroring or similar navigational technology or create direct links to any part of the Services in addition to the main page, www.msigonline.co.id, in accordance with limited permissions and access to the Website as described above;
Security and Privacy Activities
We are very concerned about the User’s security and convenience when using the Services. Therefore, we have a security system to provide assurance to the User that the User's activities and information are secure.
When the User uses a public computer, the User must always log out/sign out after completing the activity.
The User must make sure the user ID and password / PIN of the User’s account are not known by anyone, in order to avoid the misuse by others.
Responsibilities of the User
When we ask the User to provide data, including personal data, the User is solely responsible for any information that the User provides to us. The User is required to provide information truthfully.
The User is solely responsible for their behavior while using the Services. The User agrees that the Services are only intended for lawful purposes and in accordance with the applicable terms and conditions.
The User is expected to:
Maintain the confidentiality of the password that the User has created.
Restrict access to the User’s computer or mobile device.
Agree to accept full responsibility for all activities on the User’s account.
Mandatorily inform us if there is a security breach or misuse of the User’s account.
Third Party and Data Confidentiality
The Services may contain links to Websites operated by parties other than msigonline.co.id. The User hereby acknowledges and agrees that the act is based on the User’s personal responsibility. The User that enters another Website is beyond our control and responsibility.
Governing Law
The Terms and Conditions shall be governed by and construed in accordance with the applicable laws of the Republic of Indonesia. Thereby, the User agrees and undertakes to submit to the jurisdiction of the courts in the territory of the Republic of Indonesia.
Severability
If there is a provision that is unenforceable or invalid, the remaining provisions will remain valid and enforceable to the extent that it is permitted by the applicable law, and it will not affect the validity and enforceability of other provisions.
We, PT Asuransi MSIG Indonesia (hereinafter referredto as “MSIG Indonesia”) understand the importance of protecting Personal Data as mandated in Law No. 27 of 2022 concerning Personal Data Protection (hereinafter referred to as the “PDP Law”) along with its implementing regulations and all changes that exist from time to time. We respect Your privacy as a Personal Data Subject and ensure to protect Your Personal Data in accordance with the provisions of the PDP Law and applicable regulations in Indonesia. MSIG Indonesia as the Personal Data Controller, can carry out processing activities for your Personal Data which include collecting, processing, storing, correcting and updating, announcing, transferring, disseminating, disclosing, and/or destroying according to the procedures stipulated in the PDP Law. We need Your consent to process Your personal data. Therefore, please read the following MSIG Indonesia Personal Data Privacy Policy carefully before giving Your consent.
1. Personal Data to be Collected:
MSIG Indonesia only collects Your Personal Data in connection with Your application for Our products or services, which you currently have, or have had in the past. MSIG Indonesia may also collect information about you when you interact with MSIG Indonesia through MSIG Indonesia's website or other communication channels or when you visit one of MSIG Indonesia's offices.
In the context of MSIG Indonesia's Personal Data Policy, the Personal Data that we will collect are:
General personal details (e.g., Your full name, previous names, gender, religion, marital status, date and place of birth, home address, email address and telephone number).
Specific personal details (e.g., health data and information, children's data, biometric data, genetic data, personal financial data, criminal records, and/or other data in accordance with applicable regulations)
Information about Your identity (e.g., photo identification, passport information, Insurance number, national identification card, and citizenship).
Information from market research (e.g.,information and opinions provided when participating in market research).
Login details, browsing history or other unique information (e.g., login credentials, information from cookies on MSIG Indonesia's website, Your location, device type and other information transmitted through MSIG Indonesia's website).
Use of Cookies: Cookies and similar technologies used by MSIG Indonesia to recognize you, remember Your preferences, and customize the content that MSIG Indonesia provides to you.
Other PersonalInformation and otherinformation that you provide or share with MSIG Indonesia by filling out forms or by communicating with MSIG Indonesia, either directly, or by telephone, electronic mail (e-mail), and/or in other ways if it does not conflict with applicable laws and regulations.
2. Purpose of Data Processing:
Your data will be processed for the following purposes:
Identification and authentication: To uniquely recognize and identify the user or You.
Communication: To contact You regarding services, products, promotions, notifications, customer service (claims and complaints), and/or other important information.
Management of Services: Use of data to serve Your needs, such as accountcreation or insurancepolicy management.
Claims-related services: Data is used for specific purposes, such as insurance claim management, medical examinations, or risk assessments.
Identity verification: Biometric data (such as fingerprints or faces) is used for security authentication and identity verification in account management ortransactions.
Personal financial management: Personal financial data is used for premium payment management, insurance claims, or financial risk analysis.
Compliance with legal regulations: Your data will be stored and required to comply with legal regulations related to personal identity and administrative obligations, consumer protection, including compliance with all applicable laws and regulations, including but not limited to corporate actions of MSIG Indonesia and the MSIG group in general in the form of mergers, separations, acquisitions, amalgamations, restructuring and/or other activities involving the transferof intellectual property rights, as involving Personal Data Processing
Security and fraud prevention: To prevent fraud and ensure that You are the authorized person in every transaction and/or service provided.
Product and service development: Used to understand Your preferences, conductmarket trend analysis, and improve service quality.
Marketing strategy: This data also helps in designing more targeted marketing campaigns based on Your feedback.
User’s experience analysis: Browsing history and device information are used to analyze how You interact with the application or website and improve user experience.
Preference management: Information fromcookies helps in providing content tailored to Your preferences.
Customer service processing: This information is used to understand Your needs, answer questions, and provide necessary support.
Contract management or additional services: If information relates to specific needs or additional services, this data will be used to customize the services provided to You.
Contract management or additional services: If information relates to specific needs or additional services, this data will be used to customize the services provided to You.
Data Retention: Your Personal Data will be retained for as long as necessary to fulfill the purpose for which it was collected or in accordance with applicable laws.
Automated Decision Making: MSIG Indonesia, if necessary, may process Personal Data that is based on automated decision making. However, as a Personal Data Subject, You may object to decision- making actions that are based solely on such automated processes.
Marketing Purposes: If You have given explicit consent for the use of Your Personal Information for marketing purposes, MSIG Indonesia will use Your Personal Data for marketing and promotional purposes.
3. Your Rights:
You have the following rights in relation to Your Personal Data:
Withdraw Your Consent: You may withdraw Yourconsent to the processing of Your Personal Data at any time by contacting MSIG Indonesia at this link: https://www.msig.co.id/help-support
Access and Correction: You have the right to request access to Your Personal Data or to have it corrected if it is inaccurate.
Erase Data: You have the right to request the erasure of Your personal data under certain conditions.
4. Sharing Data with Third Parties:
MSIG Indonesia may disclose or share Your PersonalData with the following parties to carry out the Data Processing Purposes as necessary:
Banks
Insurance Brokers:
Financing Companies:
Reinsurers:
Claim Service Providers:
Web Services or Digital Technologies:
Government Authorities or Regulators:
MSIG Group and MS&AD Group.
Insurance CompanyAssociations
Business Partners or Other RelatedThird Parties:
During data sharing, We will maintain compliance with the principles of privacy and security in accordance with applicable provisions, such as the Personal Data Protection Act (UU PDP). The data sharedis only used for relevant and legitimate purposes, with strict protection measures to prevent misuse.
5. Data Storage:
Your personal data will be stored in the MSIG Indonesia database for as long as necessary to fulfill the purpose of collection in accordance with applicable laws.
6. Data Deletion / Destruction
MSIG Indonesia will take the necessary steps to delete and destroy Your Personal Data after the purpose of data processing is completed and Your data is no longer needed, in accordance with the provisions and laws in force in Indonesia. However, in the interests of national security, the process of resolving legal disputes in the Court, compliance with regulations in the financial services sector, payment systems, and in the interests of the state, Your Personal Data will remain stored in the MSIG Indonesia database.
7. Applicable Law
This Data Privacy Policy is subject to the Republic of Indonesia Personal Data Protection Law and its implementing regulations and changes from time to time.
8. Changes to the Privacy Policy
MSIG Indonesia may make changes or updates to this Privacy Policy from time to time to ensurethat the MSIG Indonesia Privacy Policy complieswith the provisions and laws in force in Indonesia, especially regarding Personal Data Protection. You can access the Privacy Policy periodically through the MSIG Indonesia website or application.
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