Definition of Accident on Accident Insurance
This time we want to share a little bit of accident
insurance .In the accident, there are some specific points that must be
fulfilled in order to claim accident insurance is legitimate.Usually, insurers
have a definition of their responsibility to be an accident .Definition of
" ACCIDENT " in the Personal Accident Insurance , must meet the nine
(9 ) factors presented below :
1. That the arrival of accident happens to be the source of
a sudden , even though its probably due to emerging / feels / occur some time
after the accident occurred .Usually in the policy conditions have been set
waiting period or Waiting Period for 12 months , so if the onset of Death or
Permanent Invalidity Accidental guaranteed that the new policy occur or occur
within 12 months after the accident , it is still covered by the insurance.
2. Source of accidents must come from outside
It aims to be able to distinguish the causes of accidents
that come from within man , for example disease .
3. Arrival of the source must be violent accident
That is the source of the accident must be accompanied by
any element of force, whether it be violence or violent chemical poisoning
physik such as in the form of the collision .
4. Arrival source of accidents should be visible
It aims to be able to distinguish between the causes that
come are fictitious , such as inflicted Shaman or Witchcraft / witchcraft and so
forth .
5. Arrival of the source of accidents should direct and sole
Jump directly within the meaning of the human body The only meaning is not affected by other factors that may
cause / effect occurs enlarge .This means that the consequences that occur
should be the result of a direct cause and sole .
6. The arrival of a source of accidents should not desired /
planned / intentional
In because things are desired / planned or accidental , it
is certain that the result will occur .This is certainly contrary to the notion
of insurance under Article 246 of the Law of Commercial code , which does not
necessarily guarantee that the risk of that happening.
7. As a result of the accident should be a physical wound
.That wound on the human body
8. The physical wounds should be in the autopsy by the
Medical Sciences .In what sense must be medically proven
9. The relationship between cause and effect should not be
interrupted
This means that between the cause and effect there should be
no Shelah that makes them disconnected .
Well , that's 9 points important in personal accident
insurance which can be recognized .Hopefully this article on the definition of
accident insurance can add insight about insurance and all its problems .