Personal accident insurance

Personal accident insurance

Health insurance program that is necessary for employees / employee is hospitalized with health insurance expansion of outpatient care, dental care, maternity care, and glasses. Insurance benefits inpatient, outpatient care, maternity and dental care has been described in the foregoing discussion. Benefits of inpatient, outpatient, dental care is usually intended for employees as well as his wife and two ananya, sefangkan for employee does not apply to her husband and children. Maternity care benefits are generally intended for the employee and the employee’s wife. Benefits of glasses usually only intended for employees and employee, excluding family.

Benefits glasses yatiu reimburse the purchase of spectacle frames and spectacle lenses. Replacement cost of the purchase of eyeglasses frames customarily given once every 2 years, while the cost of purchasing replacement lenses are given every year. All these benefits can be given on the recommendation of an ophthalmologist.

Financing insurance

Employees / employee with tenure of 5 years or more is feasible submitted to the bank financing to buy a home or vehicle. Future installments for the purchase of vehicles ranging from 3 to 5 years and for the purchase of homes ranging from 5 to 15 years. The rest of the financing in the bank will decrease from month to month according to the installments that have been fulfilled. If employees / employee as recipients of financing are destined to die before the financing is paid off, the remainder of the financing will be borne by the heirs of the left; right. To pay off the rest of the financing, the bank will foreclose and sell the vehicle or house mortgage. If this is the case, it would be very difficult for heirs.

Insurance program financing is very duperlukan by employees’ / employee who filed the financing. Almost all banks require financing prior to the filing insurance financing realized. The amount of insurance benefits equated to the amount of financing proposed financing. Financing of insurance benefits is to provide death benefits for the rest of the bank’s liabilities and compensation was immediately handed over to the banks, not heirs. Heirs would inherit the house in a state vehicle or keel.


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