What is Airplane Accident Insurance?
Airplane accident insurance is a type of insurance that provides protection for the risk of the life of the passenger or the risk of damage/loss of goods loaded on the flight. Not only that, this insurance also provides protection in the form of compensation money to the heirs of airplane passengers who have an accident.
It should be noted that aircraft accident insurance only applies if:
- The Insured is registered as an official passenger
- For commercial flights, it is mandatory to have a regular flight schedule
- For non-commercial flights, it is mandatory to use charter aircraft and have a license as an airline company operated by a professional crew at a well-maintained airport.
Risks Covered by Airplane Accident Insurance
In accordance with the Regulation of the Minister of Transportation (Permenhub) Number 77 of 2011 concerning the Responsibilities of Air Carriers, airplane passengers who have an accident are entitled to compensation for the losses suffered.
Airlines must be responsible for losses suffered by passengers such as:
- Passengers who died, were permanently disabled and injured
- Lost or damaged cabin baggage
- Lost, destroyed or damaged checked baggage
- Air freight delay
- Lost, destroyed, or damaged cargo
- Losses suffered by third parties
Rules on Airplane Accident Insurance
Accident insurance for victims in Indonesia is regulated in accordance with applicable insurance law . The following is an airplane accident insurance law that can be the basis for obtaining compensation.
- Regulation of the Minister of Transportation (Permenhub) No. 77 of 2011 which has been changed to Permenhub No. 92 of 2011 concerning the Responsibilities of Air Carriers
- Regulation of the Minister of Finance Number 15/PMK.010/2017 concerning Compulsory Compensation and Contributions for the Mandatory Accident Insurance Fund for Passengers
How to Claim Plane Accident Insurance
So how do you file a claim for the victim of a plane crash or the heirs of the victim? The way to submit a claim is quite easy, here are the procedures.
Aircraft Accident Insurance Claim Requirements
Some of the documents you need to prepare to get compensation for airplane accidents in general:
- Flight ticket
- Proof of checked baggage (claim tag)
- Airway bill
- Other evidence that supports and can be justified
- If the victim is a third party, then he/she is obliged to attach a certificate from the party authorized to issue evidence of loss of life and body and/or property due to the operation of the aircraft.
- If you are the beneficiary of the insured who is registered in the plane crash insurance policy, then immediately contact the relevant insurance company to inform the customer of the death.
Aircraft Accident Insurance Claim Procedure
If you have prepared all the documents or blessings, follow these steps for how to claim airplane accident insurance.
- Fill out the claim submission form
You can download the claim form on the website of the insurance company of your choice. If you can't find it, you can call the relevant insurance call center to ask for a claim form to be sent via email.
- Attach a certificate of accident from the police
Just like other accident insurance claims or car insurance claims, an accident certificate from the police is one of the mandatory documents that you need to attach.
- Attach a letter/death certificate from the hospital
A death certificate/deed is required to ensure that the victim died due to a plane crash and not due to other causes. Generally, the insurance company asks for the original death certificate or if a photocopy must be legalized by the related party.
- Identity of victims and heirs
This can be in the form of an ID card, family card, marriage certificate, birth certificate, or the identity of the accident victim and heirs written in the policy.
If the heir is the wife of the victim, then prepare a marriage certificate. Meanwhile, if the heir is the victim's child, then prepare a family card and birth certificate. Marriage certificates, family cards, and birth certificates are attached to show the family relationship between the deceased customer and the heirs.
- Insurance policy
Don't forget to attach the insurance policy that you have. If the policy is lost, you can ask for a certificate from the police stating that the policy is lost. It's best to keep the insurance policy you have.
- Beneficiary Account Book
The account number of the heirs for the accident victims who died must also be attached for the transfer of compensation money from the insurance company to the heirs. If your claim is approved, the compensation or compensation will be credited to the account number.
How much is Airplane Accident Insurance Death Benefit?
When the victim dies due to a plane crash, the heirs are entitled to compensation in accordance with the regulations in force in Indonesia.
The rules in question are those stated in the Regulation of the Minister of Transportation (Permenhub) Number 77 of 2011 which has been changed to Permenhub No. 92 of 2011 concerning the Responsibilities of Air Carriers. Briefly, the following is the content.
- Passengers who die as a result of an airplane accident or an incident that is solely related to air transportation are given compensation in the amount of Rp.1,250,000,000 (one billion two hundred and fifty million rupiah) per passenger.
- Passengers who die as a result of an incident solely related to air transport during the process of leaving the airport waiting area for the aircraft or or during the process of disembarking from the aircraft for the arrival space at the destination airport and/or airport of stopover ( transit) is compensated in the amount of Rp500,000,000 (five hundred million rupiahs) per passenger.
Those are some important things related to airplane accident insurance and the procedure for how to claim it that you should know. Come on, visit The Newbie to find out about various other products personal accident insurance .
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