Asuransi Umum

Garuda Indonesia Travel Insurance

Garuda Indonesia Travel Insurance is a cooperation between Garuda Indonesia and PT. Asuransi Allianz Utama Indonesia which provides comprehensive travel protection specifically for Garuda Indonesia customers. Affordable and comprehensive travel protection benefits includes the benefits of travel inconveniences, medical assistance, personal accident and emergency assistance anytime, anywhere around the world.

Garuda Indonesia Travel Insurance Garuda Indonesia Travel Insurance

You’re covered with:


  • Table of Benefit
  • Trip Cancellation
  • Trip Alternation Medical Expenses
  • Medical Expenses Accompanying Person
  • Accompanying Person
  • Child Guard
  • Hospital Cash Benefit
  • Repatriation of Mortal Remains benefit
  • Early Return Home
  • Trip Interruption

International Plan

Benefits International

In IDR

One Way Trip

( In flight )

Round Trip

( up to 90 days )

A

Trip Cancellation & Alternation (pre-departure)

up to max.
10,000,000

up to max.
10,000,000

B

Medical and Associated Expenses ( Sickness & Accident )

NA

 

B1

Medical Expenses

 

up to max.
1,000,000,000

B2

Emergency Medical Related Expenses

 

 

 

  1. Emergency Medical Evacuation & Emergency Medical Repatriation

 

Unlimited

 

  1. Accompanying Person

 

up to max.
7,000,000

 

  1. Chill Guard

 

up to max.
7,000,000

 

  1. Hospital Cash Benefit

 

7,00,000/day, Max. 14,000,000

C

Repatriation of mortal remains or funeral Expenses

Unlimited

Unlimited

D

Early Return

NA

up to max.
35,000,000

E

Trip Interruption and Missed Connection

 

 

E1

Trip Interruption

NA

up to max.
4,000,000

E2

Special Events, Missed Connection

up to max.
4,000,000

up to max.
4,000,000

F

Travel Delay

700,000/2H. max. 14,000,000

700,000/2H. max. 14,000,000

G

Baggage Delay

 

 

G1

Loss of personal baggage Items

up to max.
30,000,000

up to max.
30,000,000

 

Sublimit

 

 

 

All Other Item

up to max.
3,000,000

up to max.
3,000,000

 

Portable Computers

up to max.
10,000,000

up to max.
10,000,000

G2

Baggage Delay

700,000/2H. max. 14,000,000

700,000/2H. max. 14,000,000

G3

Fraudulent use of Credit Card

NA

up to max.
5,000,000

G4

Loss of Travel Documents

NA

up to max.
4,000,000

G5

Theft of Personal Money

NA

up to max.
4,000,000

H

Personal Accident Cover

up to max.
500,000,000

up to max.
500,000,000

I

Personal Liability

NA

up to max.
700,000,000

J

Car Rental Expenses

 

 

 

Car Rental Excess Charges

NA

up to max.
15,000,000

 

Car Rental Return Charges

NA

up to max.
10,000,000

 

Worldwide 24 Hours Emergency Assistance

Available

 

Automatic Extending Cover

Available

 

 

 

 

 

 

 

Domestic Plan

 

Benefits Domestic

In IDR

One Way Trip

( In flight )

Round Trip

( up to 30 days )

A

Trip Cancellation & Alternation (pre-departure)

up to max.
5,000,000

up to max.
5,000,000

B

Medical and Associated Expenses ( limited to accident )

NA

 

B1

Medical Expenses

 

up to max.
200,000,000

B2

Emergency Medical Related Expenses

 

 

 

  1. Emergency Medical Evacuation & Emergency Medical Repatriation

 

up to max.
400,000,000

 

  1. Accompanying Person

 

up to max.
3,500,000

 

  1. Chill Guard

 

up to max.
3,500,000

 

  1. Hospital Cash Benefit

 

500,000/day. Max. 5,000,000

C

Repatriation of mortal remains or funeral Expenses

up to max.
100,000,000

up to max.
100,000,000

D

Early Return

NA

up to max.
2,000,000

E

Trip Interruption and Missed Connection

 

 

E1

Trip Interruption

NA

up to max.
2,000,000

E2

Special Events, Missed Connection

up to max.
2,000,000

up to max.
2,000,000

F

Travel Delay

500,000/2H, max.2,500,0000

500,000/2H, max.2,500,0000

G

Baggage Delay

 

 

G1

Loss of personal baggage Items

up to max.
7,000,000

up to max.
7,000,000

 

Sublimit

 

 

 

All Other Item

up to max.
1,000,000

up to max.
1,000,000

 

Portable Computers

up to max.
4,000,000

up to max.
4,000,000

G2

Baggage Delay

500,000/2H, max.2,500,0000

500,000/2H, max.2,500,0000

H

Personal Accident Cover

up to max.
500,000,000

up to max.
500,000,000

I

Personal Liability

NA

up to max.
20,000,000

J

Car Rental Expenses

 

 

 

Car Rental Excess Charges

NA

up to max.
200,000

 

Car Rental Return Charges

NA

up to max.
500,000

 

Worldwide 24 Hours Emergency Assistance

Available

 

Automatic Extending Cover

Available

Trip Cancellation : If You are prevented from travelling due to the reason covered in Garuda Indonesia Travel Insurance and are forced to cancel Your trip, we will pay the paid and non-refundable portion to you.

Trip Alternation: If You have to alter Your Trip due to reasons covered in Garuda Indonesia Travel Insurance, We will pay the reasonable and necessary additional costs incurred and paid by You to re-schedule Your Trip.

Medical Expenses: We will reimburse You for the necessary and reasonable Medical Expenses You incurred and paid following an Injury or illness You suffered during Your Trip. For Domestic Journey it is limited to Accident only.

Accompanying Person: Returns the reasonable and necessary scheduled transportation expenses, accommodation and trip amendment expenses for accompanying person, in the case You are hospitalized during your trip.

Child Guard: In the case that You are traveling with Your Child and You are hospitalized during your trip and no other adult to accompany your Child, we will pay the reasonable and necessary transportation and accomodation for Immediate Family Member to look after and bring your Child home.

Hospital Cash Benefit: If a Medical Practitioner confines You to Hospital as an in-patient due to Injury or illness first occurring whilst on a Trip, We will pay you for each continuous 24 (twenty four) hour period of such Hospital Confinement.

Repatriation of Mortal Remains benefit: If You unexpectedly die as the result of an Injury or illness while You are travelling Overseas on a Trip, We will pay the reasonable and necessary expenses incurred to repatriate Your mortal remains or for a funeral or cremation at the location of Your death up to the amount We would have paid if Your mortal remains was repatriated.

Early Return Home:  If after Your Trip has commenced You to have to curtail Your Trip and return Home earlier than Your original planned return date due to the reasons covered in Garuda Indonesia Travel Insurance, We will pay for the following if You cannot get back the expenses incurred from any other source.

Trip Interruption: Pays extra charges for transportation and accomodation due to unexpected trip interruption for at least 24 hours due to certain events covered in Garuda Indonesia Travel Insurance.

  • Special events, Missed Connection
  • Travel Delay
  • Loss of Personal Baggage
  • Baggage Delay
  • Fraudulent use of Credit Card
  • Loss of Travel Document
  • Theft of Personal Money
  • Personal Accident Cover
  • Personal Liability
  • Car Rental Excess Charges

Special events, Missed Connection:  If during the Trip, You have to attend a prearranged wedding, funeral, conference or sporting event which cannot be delayed because of Your later arrival, but due to reasons covered in Garuda Indonesia Travel Insurance, You miss Your scheduled Common Carrier connection and are unable to arrive at Your destination by the time originally intended and You will miss or arrive late to the event, then We will pay the necessary and reasonable expenses incurred to enable You to use and alternative Common Carrier to arrive at Your destination in time.

Travel Delay: In the event that the pre-booked and paid Covered Transport in which You have arranged to Trip is delayed for at least 2 (two) consecutive hours from the departure time specified in the itinerary provided to You by the Covered Transport provider, and as a direct result of on e or more of the covered events covered under Garuda Indonesia Travel Insurance, then We will pay for each 2 ( two)  hours delay.

Loss of Personal Baggage: If Your personal baggage items taken by You or purchased by You during Your Trip are subjected to loss or damage We will at Our sole discretion choose to either replace or repair the personal baggage item according to terms and condition of Garuda Indonesia Travel Insurance.

Baggage Delay : Provide allowance during the Trip, if Your baggage is delayed for collection at Your scheduled arrival port for more than 2 (two) continuous hours by the Covered Transport provider.

Fraudulent use of Credit Card: Benefits provided when Your credit cards are stolen by any person other than Your Relative or your Travelling Companion and You are legally liable for payment arising out of the unauthorized use of Your credit cards which occurs after You have informed The issuer bank to block the credit card.

Loss of Travel Document: If Your Passport, Visa, Identity Card or Entry Permit is stolen or damaged during Your Trip, We will pay for the reasonable and necessary schedule transportation, accommodation and replacement charges and which You actually pay to secure an emergency Passport, Visa or relevant document to allow You to either continue with the Trip or return Home.

Theft of Personal Money: If Your personal money items (i.e. cash, bank notes, traveler’s checks and money orders only) which are taken with You on the Trip, are lost during the Trip as a direct result of theft or burglary. We will reimburse You up to the sum insured covered in Garuda Indonesia Travel Insurance.

Personal Accident Cover: We will pay/reimburse You if You suffer an Injury from an Accident that causes You to sustain Partial/Total Permanent Disability and/or death within 12 (twelve) months from the date of the Accident with written confirmation from a Medical Practitioner.

Personal Liability: Compensatory damages You become legally liable to pay because during Your Trip You injured someone, caused someone to die, or lost or damaged someone’s property, and this includes Your reasonable legal costs and expenses for settling and defending the Claim made against You as long as You have incurred and paid them with Our approval.

Car Rental Excess Charges : We will reimburse You for Car Rental Excess Charges subject to all of the The Rental Vehicle must be rented from a licensed The Rental Vehicle must be rented from a licensed The Rental Vehicle must be rented from a licensed, You are a named driver, Rental Vehicle solely for the carriage of non-fare paying passengers and You have purchased comprehensive motor insurance.

  • Car Rental Return Charges
  • Automatic Extending Cover
  • Worldwide 24 Hours Emergency Assistance

Car Rental Return Charges : We will reimburse You for Car Rental Vehicle Return Costs subject to all of the The Rental Vehicle must be rented from a licensed The Rental Vehicle must be rented from a licensed The Rental Vehicle must be rented from a licensed, You are a named driver, Rental Vehicle solely for the carriage of non-fare paying passengers and You have purchased comprehensive motor insurance.

Automatic Extending Cover: We will automatically extend Your Period Of Insurance while You are Overseas, under this Policy at no additional Premium. For 10 consecutive days if through circumstances outside Your control, for 30 consecutive days if You are hospitalised or are quarantined Overseas, and for 48 consecutive hours if You are unfit to fly.

Worldwide 24 Hours Emergency Assistance: We have arranged with Our Assistance Company to give You various 24-Hour emergency Assistance services. This include medical advice, refferal to doctors, specialists, hospitals, lawyers adn interpreters and many more.

Cancellation & Refund of premium is doable for below conditions:

  • Double booking & payment of airfare
  • Unsuccessful airfare ticket issuance, while payment is confirmed

For any other reasons, cancellation & refund is doable within the 24 hours of purchase, where you can receive a full refund of premium if you do not want this policy and have not filed a claim or departed on your trip.

Please contact Allianz at +62 21 29269988 or Travel@allianz.co.id in the case of flight reschedule, so we can amend your Garuda Indonesia Travel Insurance policy period according to your new schedule.

The full terms and conditions for the travel insurance policy are available in the Policy Wording. You may download and print for your reference and record.


Garuda Indonesia Travel Insurance Domestic One Way Trip Policy.

Garuda Indonesia Travel Insurance Domestic Round Trip Policy.

Garuda Indonesia Travel Insurance International One Way Trip Policy.

Garuda Indonesia Travel Insurance International Round Trip Policy.

FAQ Garuda IndonesiaTravel Insurance

For Domestic :

The cover under each section of the Policy will start and end as set out below.

  1. Section A – Trip Cancellation and Trip Alteration (pre-departure  from Trip starting Point) cover commences the later of:
    - Your Policy Issue Date and Time;
    - The individual covered event attachment date set out in the Policy section;
    And ends at the earlier of:
    - Your Policy Effective Date and Time; or
    - You being cleared to enter the departure lounge to start Your Trip.
     
  2. Section H – Personal Accident cover, commences the later of:
    - Your departure from Your Home or workplace in Indonesia to travel to pass d departure checkpoint;  or
    - 3 hours prior to Your Scheduled Departure Time on a Covered Transport; or
    - Your Policy Effective Date and Time.
    and ends at the earlier of:
    - The time You arrive at Your Home or workplace following Your return to Your place of origin; or
    - 3 hours after Your arrival at  Your place of origin airport; or
    - Your Policy Expiry Date
     
  3. In respect of other Policy sections cover commences after Your Policy Effective Date and Time and You being cleared to enter the departure lounge and ends at the earlier of:
    - After You leave the Airport on Your return to Your place of origin; or
    - Your Policy Expiry Date.
     

For International :
The cover under each section of the policy will start and end as set out below.

  1. Section A – Trip Cancellation and Trip Alteration (pre-departure  from Trip starting Point) cover commences the later of:
    - Your Policy Issue Date and Time;
    - The individual covered event attachment date set out in the Policy section;
    And ends at the earlier of:
    - Your Policy Effective Date and Time; or
    - When You arrive at the immigration check-point in Indonesia to commence Your travel.
     
  2. Section H – Personal Accident cover, commences the later of:
    - Your departure from Your Home or workplace in Indonesia to travel to the immigration checkpoint for Your Trip; or
    - 3 hours prior to Your Scheduled Departure Time on a Covered Transport from Indonesia; or
    - Your Policy Effective Date and Time;
    and ends at the earlier of:
    - The time You arrive at Your Home or workplace in Indonesia following Your return to Indonesia; or
    - 3 hours after You are cleared to pass through the arrival immigration checkpoint in Indonesia; or
    - Your Policy Expiry Date.
     
  3. In respect of other Policy sections cover commences after Your Policy Effective Date and Time and You being cleared to pass through the departure immigration check point in Indonesia for Your Trip; and ends at the earlier of:
    - After You being cleared to pass through the arrival immigration check point in Indonesia; or
    - Your Policy Expiry Date.

 

Garuda Indonesia Travel Insurance will pays for the necessary and reasonable medical expenses You incurred and paid overseas following an injury or illness You suffered during Your trip. This is on reimbursement basis, or in the case of Hospitalization and the cause of Hospitalization are able to be determined at that point that it is covered based on Garuda Indonesia Travel Insurance terms and condition, We can guarantee payment to Hospital (cashless).

Yes, you can still buy Garuda Indonesia Travel Insurance, but we shall not be liable for medical expenses and associated medical expenses arising out of, based upon or attributable to a pre-existing condition.

No, We shall not be liable under any Section for any Claim arising out of, based upon or attributable to Pregnancy, miscarriage, child birth, infertility, contraception or operations related to sterilization or any complication arising therefrom.

Yes, If you’re travelling abroad with a Round Trip plan, Garuda Indonesia Travel Insurance covers for sickness related medical expenses.

Yes, Garuda Indonesia Travel Insurance provide protection if Your personal baggage items taken by You or purchased by You during Your trip are subjected to loss or damage arising from theft, robbery or burglary; or when in the custody and control of a covered transport or paid accommodation provider.

Garuda Insurance Travel Insurance’s Trip Cancellation benefit only cover :

  1. Transportation and accommodation expenses which You have paid or have agreed to pay under the contract;
  2. The cost of excursions, tours and activities which You have paid for; and
  3. The cost of single Trip visa which You have paid for.

           do to following events :

 

  • Major travel events
    An event described in i. to vi. below that first occurs after the Policy Issue Date and Time, and which within 7 consecutive days of Your Travel Start Date prevents You from traveling to Your Main Travel Destination(s) or to commence the Trip as outlined in Your Trip itinerary:
    1. natural Disaster and Extreme Weather Conditions at Your Main Travel Destination (s);
    2. major industrial or Covered Transport Accident;
    3. civil unrest, Riot or commotion resulting in cancellation of scheduled covered transportation services or in an advisory against non-essential travel issued by the Government of Indonesia;
    4. Strike resulting in cancellation of scheduled Covered Transport services; or
    5. any unexpected event leading to the destination airport closure.

 

  • Other events
    An event described i. to iv. Below that first occurs after the Policy Issue Date and Time and prevents You from taking the Trip as outlined in Your Trip itinerary:
    - Within thirty (30) consecutive days before Your Travel Start Date the unexpected death of; or Serious Illness or Injury to:
       a. You;
       b. Your Family Member;
       c. Business Associate;
       d. Your Traveling Companion; or
  • You being unexpectedly made redundant within seven (7) consecutive days before Your travel start date, as long as You had been working at Your current place of employment for a minimum continuous period of two (2) years, and that at the date and time You purchased this insurance cover You had no reason to believe that You wouldbe made redundant. This cover does not apply if You are self-employed or accept voluntary redundancy or to payments made after You are aware of the redundancy.
  • The police or relevant authority need You to stay in Indonesia if within seven (7) days before Your travel start date, Your Home or Your place of business is directly impacted by fire, Natural Disaster and Extreme Weather Conditions, burglary or vandalism.
     

To learn more about this benefit, please view the full terms and conditions of your policy.

Terms and Conditions

  • What Should I do if I have not receive my Garuda Indonesia Travel Insurance policy?
    Please contact Allianz at +62 21 29269988 or Travel@allianz.co.id
     
  • Where can I get the full Policy Wordings of Garuda Indonesia Travel Insurance Policy ?
    The full Policy Wording Garuda Indonesia Travel Insurance is available on this website ( Click Here ) to view or download in PDF Version.
     
  • Can I make changes to my Garuda Indonesia Travel Insurance Policy?
    Yes, in case of flight reschedule you can request for amendement by contacting +62 21 29269988 or Travel@allianz.co.id
  • What do I do if I encounter an accident aboard ?
    If you encounter an accident abroad, simply call our 24-hour Emergency Assistance at +65 6535 5833, we will ensure that you get the necessary assistance.

    If you require hospital treatment due to an accident, please make sure you keep the medical report and the original medical receipts and invoices when you return to Indonesia to make processing of your reimbursement easier.
     
  • How do I file for a claim ?
    You can download the ( Claim Form ) at https://www.allianz.co.id/layanan/klaim/klaim-asuransi-perjalanan and follow instruction included in the documents. For question about claim, you can email travelclaim@allianz.co.id or you can call +62 21 29269988
     
  • Is there a cut off time for filling claim ?
    Claims documents must be submitted to Our office as soon as practicable but no later than ninety (90) consecutive days from the date of the incident happening. If the Policyholder cannot complete the Claim documents within this ninety (90) days’ time due to reasonable cause, the documents must be submitted no longer than one (1) year from the date of incident happening.
     
  • How long does it take to claims payment process?
    For claims payment process will be done within 14 work days or maximum 30 calendar days (depending upon the complexity of the Claim) after the approval settlement or coverage acknowledgement for the Claim to the insured.

Details of Garuda Indonesia Travel Insurance policy can be found in our FAQ Section. If you need to get in touch with Allianz, please use the contact details below:

 

For Emergency Medical Assistance

Please call 24 Hour Emergency Assistance, +65 6535 5833

 

For General Enquiries

Please Call +61 21 29269988 (Non Assistance / Non Emergency), or email travel@allianz.co.id

 

For Claims Enquiries

Please Call +61 21 29269988, or email travelclaim@allianz.co.id