CLAIM PROCEDURES INSURANCE

 

Reporting & Claims Reporting DeadlinesIn the event of an accident or calamity that befell the insured object is insured , you should immediately take the following steps :

    Reported to the authorities / authorized
    Maximum effort to save and preserve the objects insured
    Claims officer contact us within 3 x 24 hours ( 3 working days ) via an efficient means of communication : phone , email , facsimil , ataudatang telegrams directly to our nearest office .survey ClaimsImmediately after receiving the report claims we will conduct a review of the location ( survey claims ) to collect data / information associated with the claim occurrence .For great value losses we will appoint an independent assessor ( Loss Adjuster ) .Settlement of ClaimsBased on the survey claims , claim documentation , the terms and conditions of the policy will know the status of the claim and the amount of these losses is our responsibility under the conditions of the policy . We will explain the basis of the settlement of claims and if you approve then the next step is the completion of the administration and payment of claims .Own riskAnother term itself is Own Risk Retention / or Deductible Own Risk . Is a certain value should you bear for every occurrence of claims guaranteed policy .The value of the risk itself is usually stated in the summary of the policy , for example :
    Rp . 250,000.00 per occurrence , or 10 % of the approved amount of the loss , or
    5 % of the total sum assured , at least Rp . 1,000,000.00For example, a car worth 100 million dollars worth of the insured . Major risk in the policy itself Rp . 100,000.00 each occurrence . If there is a claim worth Rp . 1,000,000.00 then we will replace the amount of Rp . 1,000,000.00 - Rp . 100,000.00 = USD . 900.000,00depreciationDepreciation is the depreciation value of an object property . The amount of each type of depreciation depends on the object of such assets and the duration of use . Normally the depreciation will be taken into account in calculating the value of a claim .Payment of ClaimsPayment claims can be made ​​after all the above process is completed . After all processes met then we just do the claims payment process in accordance with the policy immediately . Payment can be cash , account transfer , check or giro or repair / replacement or restoration of damaged insurance object .