Does Individual PA cover accidents during working hours?

Yes, Individual PA is 24/7 worldwide coverage, including working hours. It serves as an additional benefit if company insurance or BPJS is insufficient.

I am a foreigner (WNA) living in Batam, can I buy this?

Yes. We provide PA policies for Expatriates residing in Batam, with coverage extendable to the Southeast Asian region.

How do I claim PA Insurance in Batam?

Report via WhatsApp within 24 hours. Provide accident photos, hospital letters, and ID. Once approved, funds are transferred to your account within 3 working days.

24-Hour Personal Protection

Don't Let Accidents Destroy Your Family's Financial Future

Living in Batam with high activity? From traffic accidents on Sudirman Road, workplace risks, to travel mishaps to Singapore. Individual PA Insurance is your ultimate financial shield. Low premium, high benefits.

Check Premium Now View Claim Scenario

Why Batam Residents Need Individual PA?

High Traffic Accident Risks

Increasing vehicle volume on Barelang & Batam Toll Roads. Motorists face high risks daily.

Commuter & Maritime Activity

High frequency of Ship crossings to Singapore/Malaysia requires extra protection.

Income Replacement

If you are disabled for 3 months, who pays the bills? Individual PA provides cash allowance.

Risk Profile of Batam Residents: Are You One of Them?

Batam has unique characteristics. We analyze the demographics to determine your protection needs.

Commuter (Singapore/Bintan)

Crossing daily via Batam Centre or Harbour Bay? Risks at sea and cross-border transport require **Regional/Worldwide** coverage.

Recommended: PA 24 Hrs Regional

Daily Motorcyclist

Unpredictable weather and road conditions. Motor insurance covers the bike, not your bones or surgery. Individual PA is the solution.

Recommended: Medical + Disability

Head of Household

Your family relies on your income. In case of a tragedy, Individual PA provides a large lump sum (e.g., IDR 500M - 1B) as income replacement.

Recommended: High UP Death Benefit

Real Case Study: Motorcycle Accident in Batam

Claim simulation to prove the value of this protection.

Scenario

Accident on Jalan Ahmad Yani

Chronology:

Mr. Andi (30), admin staff in Batam Center, had a motorbike accident on his way home. Result: broken shin bone (tibia fracture) requiring surgery. Treated at RS Budi Kemuliaan for 7 days.

Policy Parameters:

Sum Insured (SI): IDR 200,000,000
Premium Paid: IDR 280,000 / Year
Coverage: 24 Hours (Indonesia)

Claim Calculation Received

Medical Reimbursement:IDR 10,000,000

Permanent Disability Benefit:IDR 5,000,000

Daily Hospital Allowance (7 Days):IDR 1,750,000

TOTAL PAYOUT:IDR 16,750,000

Easy Claim Procedure in Batam

1. Immediate Report

Contact our hotline or WhatsApp within 24 hours. If emergency, go to the nearest hospital (RS Budi Kemuliaan / RS Eka Hospital) first.

2. Document Verification

Our team guides you through the form. Photo ID, accident photos, and doctor's certificate are mandatory.

3. Fund Disbursement

Claim approved? Funds are transferred directly to your bank account. Fast process.

Requirements to Buy Policy

The registration process is simple and can be done online.

1
Personal Data:
Full name (as per ID), DOB, Batam address, active phone number.
2
Occupation Info:
Job title and brief description (for risk rating).
3
Beneficiary (Heir):
Name and relationship to speed up death benefit claims.

Start Your Protection Today

A small investment today for peace of mind tomorrow. Consult your needs with our team for FREE.

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