Mitra Proteksi Personal Accident Insurance

Do you have insurance for you and your family in the event of an accident or common illness?

Special Program Offer for PNM Employees

Personal Accident Insurance
Terms & Conditions
Type Personal Accident Insurance
Scope of Coverage 24 Hours, 365 days, Indonesia Territory Jurisdiction Only
Policyholder Individual or Group
Insured Person Employee of PNM Persero and/or their families and/or relatives
Age Limit 17 years old up to 65 years old
Insurance Period 12 months
  1. Accidental Death (AD)
  2. Permanent Disablement (Total/Partial)*
  3. Medical Expenses (max. 10% of benefits A/B) – MedEx
Extensions Coverage
  • Funeral Expenses (Max. IDR 5,000,000 per person)
  • Food and Drink Poisoning
  • Rehabilitation Expenses (including Orthesa & Prothesa due to accident only, with Max. IDR 5,000,000 per person)
  • Suffocation by smoke, poisonous fumes, gas and drowning
  • Strike Riot Civil Commotion and Terrorism Sabotage – As Victim
  • Transportation allowance due to accident Maximum IDR 500,000 per person
  • In-Patient for Common Illness (IDR 250,000 / day / person) max 5 days – excluding surgery, limited for:
    1. Dengue Blood Fever (DBD)
    2. Typhoid (Tyfus)
    3. Diarrhea / Internal Gastro / Digestive Disorder
    4. Asthma / Bronchitis (Respiratory)
    5. Influenza / Fever (Virus or infection)
  • Any consequence of war, civil war, invasion, revolution, insurrection, use military power or usurpation of government power
  • Biological, chemical or nuclear terrorism
  • Any criminal act
  • Intentional self-inflected injury, provoked assault, intoxication, alcohol / drugs abuse of any kind
  • Pregnancy, Childbirth, Miscarriage or any complication related thereto
  • Any prior disability / impairment condition
  • Dangerous sport activity
  • Offshore risks
  • Airline / Ship Crew
  • Underground / Underwater Mining
Others Condition As per Insurance Terms & Conditions and policy conditions

Option I: Coverage ADD & MedEx

Plan Limit ADD Premium p.a Per Person
1. Optimum IDR 50,000,000 IDR 100,000
2. Optimum Plus IDR 100,000,000 IDR 200,000

Option II: Coverage ADD, MedEx, & HCP

Plan Limit ADD Limit HCP
(IDR 250,000/day max 5 days)
Premium p.a Per Person
1. Basic IDR 5,000,000 IDR 1,250,000 IDR 355,000
2. Basic Plus IDR 10,000,000 IDR 1,250,000 IDR 360,000
3. Advanced IDR 25,000,000 IDR 1,250,000 IDR 385,000
4. Optimum IDR 50,000,000 IDR 1,250,000 IDR 435,000
  • Medical Expenses of max 10% of ADD Limit applies to both Option I and II
  • For Option II:
    1. if a member is hospitalized due to accident then they can claim up to 10% of ADD limit i.e. Limit ADD = IDR 50,000,000 x 10% = IDR 5,000,000
    2. if a member is hospitalized due to illness then they can only claim up to IDR 250,000 per day (Max IDR 1,250,000) under HCP limit but cannot claim under ADD Limit.