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What is Personal Accident Insurance?

Personal accident insurance is a type of coverage designed to provide you with financial support when accidents occur and their associated consequences. Whether you fall and break your leg, get a cut that needs stitches, or will be hospitalized due to an accident, PA insurance can help to cover some of the expenses.

Why should we have protection with this insurance? In case of a severe accident leading to permanent disability or even death. Personal accident insurance will give compensation with a competitive value that may provide financial support for the insured and their family.

What is the difference between personal accident and health insurance?

When comparing personal accident insurance and health insurance the main difference lies in the type of coverage insurance policies provide.

Personal accident insurance has limited coverage, which is for accident-related injuries only during a certain coverage period by providing coverage such as medical costs and compensation.

On the other hand, health insurance is designed to cover a wide range of medical needs and conditions due to accident or illness including treatment cost, surgical costs, and medicines costs.

What are the risks covered under Roojai's personal accident insurance plan?

Roojai offers you a variety of personal accident insurance benefits. Here's what you can expect:

  1. If the Insured passes away or suffers permanent disability, whether total or partial, resulting from an accident, Roojai offers a maximum coverage amount of IDR 800 million to the insured or their beneficiaries.
  2. If the Insured was hospitalized due to an accident, Roojai will cover a maximum 10% of the selected sum insured, up to a maximum of IDR 80 million. This amount will be directly paid to the hospital, ensuring a hassle-free experience for you.
  3. If the Insured passes away, Roojai can cover funeral expenses. The Insured can receive a maximum 10% of the selected cash benefits, up to a maximum of IDR 80 million.

You also have the flexibility to enhance your protection by selecting additional coverage options such as coverage for accidents that occur while riding a motorcycle or bicycle, accidents resulting from acts of violence such as murder or attacks, and even accident while doing extreme sports.

What are the exclusions for Roojai’s personal accident insurance?

General exclusions for personal accident insurance in Roojai include accidents that occur as a direct result of the Insured:

  1. Participating in air traffic, except as a fare-paying passenger (holding the appropriate ticket) in a passenger aircraft of the Airline duly licensed for that purpose.
  2. Engaging in boxing, wrestling and all kind of martial art, rugby, hockey, ice or snow sports, mountaineering or ice mountaineering and all kinds of sports involving physical contact, bungee jumping and the like, entering caves or deep holes, hunting, or sailing alone, or riding motorcycle, or training for or participating in car or motorcycle speed contest or race, air sports and water sports.
  3. Participating in dangerous sports: cycling, racing all kinds of cars or boats, horse racing, ski racing including jet skiing, skate racing, parachuting jumping (except for the purpose of saving lives).
  4. Riding or traveling in hot air balloons, gliding, oxygen tank diving and underwater breathing apparatus (scuba diving).

We recommend you to see the full details in the terms and conditions of personal accident insurance.

What are the additional coverages of the personal accident Insurance plan offered by Roojai?

Additional coverages plan offered by personal accident insurance from Roojai are:

  1. Accidents while riding 2-wheeled vehicles (motorbikes & bicycles)
  2. Accidents due to murder or assault
  3. Accidents while doing extreme sports

Please note that additional coverage is optional, you can choose them or not. Adding these coverages into your insurance policy will increase your insurance premium.

What are the advantages of Roojai's Personal Accident Insurance?

The following are some of the advantages of the best personal accident insurance from Roojai:

  1. Get a quote in just a few minutes.
  2. You can customize the personal accident insurance coverage according to your needs, budget and lifestyle, and choose various additional protections:
    • Accidents caused by two-wheeled vehicles (motorbikes & bicycles)
    • Accidents resulting from being murder or assault
    • Accidents when doing extreme sports
  3. Pay premiums according to the benefits you choose without additional costs.
  4. Cashless claims for inpatients due to accidents.
  5. Get a 13% discount by choosing annual payments.
  6. Choose 12-month installments to have more manageable expenses.
  7. Pay personal accident insurance premium with a convenient payment method: credit card or virtual account.
  8. Easily access your insurance policy 24/7 via MyAccount.

What are the Terms & Conditions of the Roojai Personal Accident Insurance Policy?

  • The insured's entry age is 1 year – 60 years old and can be extended until the insured is 65 years old.
  • Coverage period: 1 (one) year and can be extended.

How to claim Roojai accident insurance?

There are 2 types of claims that you can submit to personal accident insurance in Roojai, namely:

  1. Cashless: If you have an accident, you can get medical treatment at a hospital listed on the Roojai website just by showing your Roojai Care Card. Then, Roojai will pay the medical costs directly to the hospital. This type of claim applies to outpatient and inpatient care.
  2. Reimbursement::
    • Medical Expense: After receiving treatment due to an accident at a hospital listed on the Roojai website and paying the costs with your own money, you can file for reimbursement by reporting to the Roojai’s claim team no more than 5 days after the accident occurs. Then, you can send the claim form & required documents to medicalclaims@roojai.co.id. You can contact 021 5089 0822 via Whatsapp to find out details of what documents are needed.
    • Sum Insured: If the insured experiences permanent disability or dies as a result of an accident, the insured or the insured's family shall give notice to Roojai within 5 calendar days of the occurrence of the accident and complete the required documents. If the claim is approved, the compensation money will be transferred to the insured/heir's bank account within a maximum of 30 calendar days.

How long does it take for a personal accident insurance policy to be issued?

Once your payment is received, within a few minutes, a personal accident insurance policy will be issued. You can access e-policy online at any time via the MyAccount feature. If you also choose a hardcopy policy, we will send the documents to your address within a maximum of 10 working days.

How to renew my personal accident insurance policy in Roojai?

Close to your policy’s expiration date, we will send you an invitation email to renew your insurance policy. This email will contain the current coverage that will be renewed, the renewal price, and a payment button. If you want to renew your personal accident insurance policy, you can just simply click the payment button and proceed to renew.

If you have any questions or need more information regarding the policy renewal process, you can contact our team at 021 5089 0822.

Where can I contact Roojai?

If you have questions about personal accident insurance, you can contact Roojai at 021 5089 0822 or service@roojai.co.id.

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( 430 reviews )

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Lagi mencari-cari asuransi kecelakaan kerja yang bisa dipesan melalui online, dan sepertinya ini yang saya temukan yang benar-benar interaktif dan mudah sekali. Mengesankan sih.


May 13, 2024

Proses Pendaftaran cepat

Verified customer

May 11, 2024

Penjelasannya cukup jelas terkait benefit2 yang akan diterima. Agen juga proaktif memberikan masukan2 dan cukup persuasif untuk mendorong saya mengambil program ini.


March 05, 2024

Terima Kasih kerja samanya


February 01, 2024



January 31, 2024

Excellence Services from Roojai


January 30, 2024

Terima Kasih atas kerjasamanya


January 30, 2024

Thank you for your good services


January 29, 2024