How to Claim Personal Accident Insurance Quickly and Easily

At work, you face a range of possible health risks. One of them is a workplace accident while you are on duty. If you have no personal accident insurance, be ready to cover all of your medical costs yourself. If you use an insurer, on the other hand, the financial burden is eased. What is more, the personal accident insurance claim process is also easy and fast.

Steps in the personal accident insurance claim process

As the name suggests, a personal accident insurance claim can only be made when you suffer a mishap. There is no special criterion for the kind of accident that qualifies, so even a small accident can be processed. Like most institutions, personal accident insurers apply a standard procedure for claims. Here is the personal accident insurance claim procedure you can follow.

1. The first thing to do after a workplace accident is to act quickly and get help. After the accident, you should be taken to a health facility right away. For the best treatment of your injuries, it is better to be taken to a hospital, because its doctors are credible.
2. Only after receiving medical treatment do you, or someone acting for you, notify the personal accident insurer. You can do this by visiting the branch office in person or by calling its phone number. The claim deadline differs by insurer, but most allow about 5 days.
3. Next, if the accident involves liability that requires reimbursement, the insured must also prepare documents. They include a claim submission form and a chronology of the accident. This time, your personal accident insurance claim also needs a photocopy of your KTP (national ID card) and an employment letter or employee card.
4. Meanwhile, if the insured suffers permanent disability from a workplace accident, the claim needs different documents. They are a medical examination certificate (visum) from a doctor, an accident report, and original receipts from doctors, the hospital, pharmacies and laboratories. Finally, include any documents related to your personal accident insurance claim as the insured.
5. If the insured is declared missing because of a workplace accident, the heirs must also submit several documents. The main ones are an accident certificate with a statement that the search has ended. The heirs must also write a letter stating their willingness to return the benefit money if the insured turns out to be alive.
6. If the insured dies, the heirs must first visit the local village office (kelurahan). There they can ask the office to issue a death certificate. Besides this document, the heirs should also request a certificate of body examination from a doctor or hospital. These two documents serve as the administrative requirements for the insurance claim process.

Setting aside part of your salary to pay insurance premiums is important. The action has no short-term effect for you, since its benefit is felt only when a workplace accident happens. But that is exactly where the insurer plays an important role, covering medical costs and even paying a death benefit. So join soon, so that you can use the personal accident insurance claim process when you need it.

More articles you may like:

• Best Health Insurance: 5 Criteria Every Client Should Know.
• Pure Health Insurance vs. Unit Link: Definitions and Differences.