Guide for Zurich Asuransi Indonesia
A quick guide that you need to know for the following insurance products:
- Micro Typhoid Insurance Plus Claim Form
- Outpatient / Dental Claim Form
- Arthacillin Claim Form
- Earthquake Claim Form
- Liability Claim Form (For Non MV Non HE Sub)
- Micro Dengue Insurance Claim Form
- HCP5D Insurance Claim Form
- Moveable Property All Risk Insurance Claim Form
- Fire or General Property Claim Form
- Electronic Property Insurance Claim Form
- Survey Bond Claim Form
- Statement Letter of Appointment of Non-Partner Workshop
- Engine Insurance Claim Form
- Cargo Claim Form
- Micro Tire Insurance Claim Form
- Hospital, Surgical Claim & Maternity Claim Form
- Micro Typhoid Insurance Claim Form
- Typhoid Insurance Claim Form
- Subrogation Claim Form
- Hospital Cash Plan (EB) Insurance Claim Form
- Letter of Demands
- Flood Claim Form (For Sub COB Non MV & Non HE)
- Claim Form (Others COB)
- Liability Claim Form
- Home Insurance Claim Form
- Travel Insurance Claim Form
- Micro HCP5D Insurance Claim Form
- Dengue Fever Insurance Claim Form
- EaZi Travel Claim Form
- Marine Hull Claim Form
- Motolite Micro Insurance Claim Form
- Commercial All Risk Claim Form
- Proteku Claim Form
- Accident Solution Claim Form
- Money Insurance Claim Form
- Demolition or Household Furniture Claim Form
- Heavy Equipment Insurance Claim Form
- Micro Dengue Insurance Plus Claim Form
- Grief Compensation Claim Form
- Mobilite Micro Insurance Claim Form
- Settlement of Third Party Claims
- Business Guard Claim Form
City | Address | Phone | Reg OJK | Kacab |
Head Office | Graha Zurich JL. MT Haryono Kav 42 Jakarta Selatan 12780 |
021-29667373 | Kantor Pusat | - |
Bandung | Jl. Buah Batu No. 59 RT01 RW 10, Kel Malabar, Kec Lengkong, Kota Bandung | 022 - 7304405 | Kantor Cabang | Dani Irfandi |
Kelapa Gading | Perkantoran Artha Gading, Jl. Boulevard Artha Gading C-02, Jakarta Utara | 021 - 453 2007 | Kantor Cabang | Sandi Setiadi |
Medan | Bank Danamon Indonesia Lt.9, Jl. Pangeran Diponegoro No. 35, Jl. Pangeran Diponegoro No. 35, Medan | 061 - 415 3456 | Kantor Cabang | Diana Wisata |
Balikpapan | Ruko Balikpapan Superblok (BSB) Blok A No. 11, Jl. Jendral Sudirman, Stall Kuda, Balikpapan | 0542 - 7586 922 | Kantor Cabang | Sri Rahayu |
Pekanbaru | Jl. Soekarno Hatta No.123, Arengka 1, Pekanbaru | 0761 - 789 1441 | Kantor Cabang | Nanang Mahadi |
Palembang | Jl. H Abdul Rozak Rt.02 Rw. 01, Palembang | 0711 - 813599 | Kantor Cabang | TBA |
BSD | Ruko Golden Boulevard Blok D No.2. Jl. Pahlawan Seribu, BSD, Tangerang Selatan 15310 | 021 - 537 6877 | Kantor Cabang | Patrick Boediman Teubo |
Pondok Indah | Jl. Sultan Iskandar Muda, No. F32 Pondok Indah, Jakarta Selatan | 021 - 739 2355 | Kantor Cabang | Ilham Syafar Darmawan |
Makassar | Komp. Alaudin Palza Ruko, Boulevard Blok A No. 21-22, Jl. Sultan Allaudin, Makassar | 0411 - 8224000 | Kantor Cabang | Yenny Mandagi |
Semarang | Bank Danamon Indonesia Lt. 9, Jl. Pemuda No. 175, Semarang | 024 - 354 5151 | Kantor Cabang | Nawania Arbi Nugraini |
Surabaya | Jl. Raya Jemursari No. 78, Surabaya | 031 – 8414666 | Kantor Cabang | Shandy Paramayudha |
Samarinda | Ruko Alaya Juunction Bukit Alaya, Jl. Bukit Alaya Utara LE.05, Kel. Sungai Pinang Dalam, Kec. Sungai Pinang, Samarinda | 0541 - 4110066 | Kantor Cabang | TBA |
MCC | Kantor Branch Office MCC, Gedung Millennium Centennial Center Lantai 52, Jl. Jenderal Sudirman Kav. 25, Jakarta 12920 | 021 - 39731234 | Kantor Cabang | Tetty Rahmawati |
Bogor | Jl. KH Sholeh Iskandar, no. 90 Kel. Kedung Badak, Kec Tanah Sereal. Bogor. | 81585419713 | Kantor Pemasaran | Bambang Subarlan |
Lampung | Bank Danamon Indonesia Lt. 3, Jl. Pattimura No 2-4, Bandar Lampung | 0721 - 472 824 | Kantor Pemasaran | TBA |
Banjarmasin | Komplek Citraland No 19, Jl. Ahmad yani 7.8 km, Kel. Manarap lama, Kec. Kertak hanyar Kabupaten banjar, Kalimantan selatan | 0511 - 4283723 | Kantor Pemasaran | Helmi Rosyidi |
Bekasi | Komplek Ruko Central Niaga Kalimalang Kavling, A1 No. 3, Jalan. Jendral Ahmad Tani Bekasi. Kelurahan Kayuringin Jaya. Bekasi | 0815 - 85419702 | Kantor Pemasaran | Adi Endarto |
Yogyakarta | Ruko Sumber Baru Square, Jl. Ringroad Utara Blok I, Yogyakarta | 0274 - 8600060 | Kantor Pemasaran | R. Dian Hartawan |
Denpasar | Jl. Gatot Subroto Barat No. 380D, Denpasar Barat, Bali | 0361 - 4715186 | Kantor Pemasaran | Susbiantoro |
Papua | Jl. Ardipura III, Polimak 1, No. 57 A, Jayapura | 0967-532456 (dalam perbaikan) | Kantor Pemasaran | TBA |
Manado | Ruko Megasmart IV, Jl. Pierre Tendean No. 8. Manado | 0431 - 888 1115 | Kantor Pemasaran | Ronald Putang |
Tomang | Jl. Tomang Raya No. 12 B, Kel, Jatipulo, Kec. Palmerah, Jakarta Barat | 021-56982272 | Kantor Pemasaran | Yusendro Widy Prianggodo |
Scroll aside to see the whole content.
As an established insurance company for years, it is our commitment to give a positive impact on the community. We understand your concerns that having an insurance policy might sometimes be confusing as you will be exposed to some brand new vocabulary. Therefore, we've served you with this glossary to help you have a better understanding of the basic terms and principles used in an insurance policy.
To summarize, your insurance policy is a commitment. Your commitment is to pay an agreed amount of money which is known as a premium, in exchange, we provide you with our best insurance cover suitable for your condition.
- Adjuster
Party that observes claim and its amount.
- Appraiser
Party who estimates the value of a object which will be insured.
- Primary Insurance
Basic insurance coverage of the Policy.
- Compulsory Insurance
An Insurance which is required by law.
- Agent
an individual who sells, services, or negotiates insurance policies on behalf of a insurance company.
- Aggregate
The total amount of payable for a single loss or multiple lossess, during a policy period.
- Physical hazard
Danger that caused by a physical condition.
- Moral Hazard
Danger caused by the moral condition of a person.
- Administration Fee
Costs incurred by the Insurer in connection with the issuance of the Policy.
- Combined Ratio
an indication of the profitability of an insurance company, calculated by adding the loss and expense ratios
- Depreciation
The decreasing value of the insured object.
- Endorsement
Documents containing changes and/or additions to the terms and conditions of the Policy, which form an integral part and become an inseparable part of the Policy.
- Excess Claim
The excess of maximum limit of coverage as set out in the Policy.
- Free-look period
Period whereas the insured could comprehend the insurance policy. In this period, if the insured want to cancel the insurance policy then there will be no cancelation fee.
- Business Interruption
Loss of income as a result of property damage to a business facility
- Subject Matter Insured
(Sharia: Insurance Object)
Good or event that could caused loss, damage, or liability.
- Law of the Large Numbers
One of the principle that is used in insurance, whereas more people are insured, then occurred loss will meet the predicted loss.
- Civil Commotions
An Act of a large number of people acting together disrupting public peace and disturbance tumutuously with violence and a chain of destruction of a large number of properties, indicated by the cessation of more than one half of the normal activity of commercial/shopping or business areas or schools or public transportation in one city for at least 24 (twenty-four) hours consecutively commencing immediately before, curing or after the event.
- Indemnity
An Insurance Principle which the purposed of claim payment was to return the condition of the insured into the same condition as a moment before the loss was occurred.
- Intermediary
Third party which receive commission from selling insurance product.
- Utmost Good Faith
Insurance principle that both Insurer and the Insured have to has good faith in insurance contract.
- Policy Schedule
Part of an insurance policy, the policy schedule identifies the insured, details of coverage, amount of coverage and Terms & Conditions.
- Sum Insured
The amount stated in the Policy to be paid by the Insurer subject to the terms and conditions stated in the Policy.
- Accident
Incident or event that contains elements of violence, both physical and chemical, which comes from outside, occurs suddenly, is not wanted or planned.
- Peril
Event that can cause damage or loss to an object insured.
- Insurable Interest
An insurance principle which the Insured must have an financial interest with the object that will be insured.
- Accidental Death & Dismemberment
An insurance coverage that pays a stated benefit in the event of death and/or dismemberment caused by accident or specified kinds of accidents.
- Riot
An Act of a group of at least 12 (twelve) persons, who in the execution of their common purpose cause public disturbance tumultuously with violence and damage to the property of others, not amounting to Civil Commotions.
- Boiler & Machinery Breakdown
Coverage for the failure of boiler or machinery, including property of the insured which has beedn directly damaged by the accident, cost of temporary repairs and expediting expense, and liability for damage to the property of others.
- Claims
Demand by the Policy Holder to the Insurer to fulfill the Policy Holder's rights in accordance with the provisions in the Policy.
- Automatic Reinstatement Clause
A condition whereas the Insured undertaking to pay an additional premium at the agreed rate on the amount of loss calculated on a pro rata basis from the date of such loss to the expiry of the current period of insurance, it is agreed that in the event of loss the insurance shall be maintained in force for the full of sum insured.
- Debris Removal Clause
On the Cost and Expenses necessarily incurred by the insured in the removal of debris dismantling or demolishing shoring up or propping of the portion or portions of the property insured destroyed or damaged by fire or by any other peril insured, will be borne by the insurer up to specified amount.
- Commission
Service fees received by the Broker from the insurance company as an intermediary in placing the insurance needs of the insurance customer.
- Knock for Knock Agreement
An agreement between two insurance companies whereby, when both companies' policyholder incur losses in the same insured event, each insurer pays the losses sustained by its own policy-holder regardless of who was responsible.
- Coinsurance
Scheme of insurance which there were two or more insurer who had responsibility to cover each of certain risk respectively.
- All Risk/ Comprehensive
Type of insurance coverage that covers any risk that the contract does not explicitly omit.
- Pre-existing medical conditions
Pre-existing Medical Condition means a disease, illness, medical condition or dental condition or physical disability which at the Relevant Time.
- Pre-Existing Condition
Damages or defects that existed before the Insurance period began.
- Contribution
One of the insurance principle that two or more insurers each liable for covered loss should participate in the payment of that loss.
- Policy Lapse
Condition where the insurance Policy is inactive due to there is no payment from the Insured.
- LAPS - SJK
The Financial Services Sector Alternative Dispute Resolution Institution (LAPS SJK) is an out-of-court dispute resolution institution established on 22 September 2020 by Self Regulatory Organizations ( SROs ) and associations in the financial services sector.
- Insurance Benefit
The agreed insurance benefits as stated in the Policy.
- Additional Benefit
Additional insurance coverage to the Primary Insurance of the Policy to provide additional benefits in an insurance coverage.
- Grace Period
The grace period given by the Insurer to the Policy Holder to pay the premium that has fallen due.
- Waiting Period
Certain period of time that must be passed until insurance benefits can be used or insurance claim claims can be used calculated from the insurance period begins
- Mortality
Mortality: 1. Uncertainty of the time of death. 2. Death frequency.
- Insurance Value
The maximum value of Insurance Benefits that can be provided to the Insured due to the risks covered in the Policy.
- Actual Value
Amount calculated from the cost to replace or restore property of the same type and location but not exceeding or better or wider than the insured property immediately prior to the occurrence of loss or damage minus depreciation.
- Strikes
Deliberate act of damage, by a group of workers of at least 12 (twelve) persons or one half of the entire workforce (if the total number of workforce is less than 24 persons), refusing to work as usual in an attempt to force the employer to accept their demands or to protest against any terms of employment enforced by the employer.
- Renewal Notice
Information that convey to the insured on the renewal of insurance policy. The insured is required to approve this document in order to make the renewal policy is inforce.
- Policy Holder
Individuals or Entities entering into insurance agreements with the Insurer.
- Closure of insurance
The initial process where the prospective Insured will apply to get insurance products from the Insurer.
- Insurer
Party who take over other party's risk with required of payment for certain amount of premium.
- Beneficiary
Individuals or Entities whose names are listed in the designated Policy and are entitled to receive Insurance Benefits.
- Exclusion
Events for which the Benefit will not be paid which occurs directly or indirectly if it is related to the event described in the provisions of the Policy.
- Reimbursement
Method whereas the insured paid the loss at first, afterward the insurer will pay to the insured based on the invoice value.
- Insurance Period
The insurance period as stated in the Insurance Schedule starting on the date and time stated in the Insurance Schedule.
- Over Insured
Condition when the sum insured in the insurance policy is in excess of the insured object's fair or reasonable value
- Under Insured
Condition when the sum insured in the insurance policy is not enough to cover the full cost of the repairment of the object insured.
- Double Insurance
The existence of two active policy which cover the same risk.
- Malicious Acts
Act of any person(s) deliberately causing damage to the property of others driven by vengeance, hatred, anger, or vandalistic, except such acts done by the employee(s) of the insured, or any person(s) on behalf of the insured, or by person(s) entrusted by the Insured to maintain or keep such property, or by thieves/robbers/looters.
- Insurrection/ Popular Rising
An uprising of a majority of the people in the capital city of the country, or in three or more capital cities of the provinces within 12 (twelve) days, demanding a change in the government de jure or de facto, or open resistance against the government de jure or de facto, not amounting to a Rebellion.
- Usurped Power
A situation where the established government de jure or de facto has been overthrown and replaced by another power that impose and or enforce their own rules.
- Rebellion
A state of organized resistance against the established authority de jure or de facto with the objective to supplant or overthrow it with force using fire arms which threatens the existence of such authority.
- Broker
Consulting and/or intermediary services business in insurance coverage or sharia insurance and handling the settlement of claims by acting for and on behalf of the policy holder, the insured, or the participant.
- Third Parties
All parties who are not Insured, husband or wife, children, parents, and siblings of Insured, people who work for and people who are under the supervision of Insured.
- Placing Slip
approval of insurance placement documents addressed to the Insurer
- Policy
Insurance agreement documents in the form of hardcopy or softcopy between the Insurer and the Policy Holder, including Insurance Policies, General Policy Provisions, Endorsements and/or other changes or additions contained therein signed by the Insurer, as well as Insurance Application Letters and/or documents -documents in the Insurance application process, as well as other documents related to the Policy, which as a whole constitute an integral part and become an inseparable part of the Policy.
- Premium
(Sharia: Contribution)
The amount of money that must be paid by the Policy Holder to the Insurer in connection with the insurance agreement as stated in the Policy.
- Proximate Cause
Direct causes of loss, without which the loss would not occur.
- Risk Based Capital (RBC)
One of the indicator that is used to measure insurance company's financial condition. This ratio especially measure on insurance company's ability to solve all related risks.
- Revolution
An uprising of the people with force to make a radical change to the current public administration system of the country or to overthrow the established government de jure or de facto, not amounting to a Rebellion.
- Own Risk
Specified amount should be borne by the Insured for each incident.
- General Riplay
Summary of Product and Service Information that is not individual or personal and prepared for all Potential Consumers
- Personal Riplay
Product and Service Information Summary that is specific and specially prepared for certain Potential Consumers.
- Reinsurance
re-insurance service business against risks faced by insurance companies, or other reinsurance companies.
- Compensation
Claims payment amount which had been determined in the begining of insurance.
- Subrogation
The Insurer shall be or would become entitled or subrogated upon their paying for or making good of any loss, destruction, damage, or expense under the Insurance Policy, whether such acts and things shall be or become necessary or required before or after the Insured’s indemnification by the Insurers.
- Notification of Insurance Closure (SPPA)
A written application letter or application form that must be filled out by the prospective Policy Holder and/or the prospective Insured to enter into an Insurance agreement.
- Policy Year
Periode satu tahun kalender yang terhitung sejak Tanggal Mulai Pertanggungan dan tiap Ulang Tahun Polis berikutnya.
- Policy End Date
The date on which the Policy becomes invalid as stated in the Policy.
- Premium Due Date
The date on which the Premium must be paid by the Policy Holder to the Insurer.
- Policy Date
The start date of the insurance coverage as stated in the Policy.
- Policy Issuance Date
The date on which the Policy was issued as stated in the Policy.
- Third Party Liability (TPL)
Benefit that is given to the third party when the loss is occurred. For example, benefit to the other road user when the vehicle is collission.
- Insured
(Sharia: Participant)
Party which paid certain ammount of premium to get covered from certain risk through insurance product.
- Total Loss Only
Condition when the estimated cost of making repairs exceed the actual cash value or exceed the agreed percentage value of the object insured.
- Policy Anniversary
One year after the Policy Date and every one Policy Year thereafter.
- Underwriting
The process of assessment / valuation and classification of risk level related to a prospective Insured and decision either to accept or reject the risk.
- Underwriter
An insurer’s employee who decides whether or not to accept a proposal or insurance and, if so, on what terms and conditions.
- Quotation
Insurance offer documents addressed to the Insured