life is not always as we expect. Disasters can happen anytime and anywhere. Have you ever calculate some small accident that befalls you during this? You've probably fallen from the ladder, blisters exposed knife while cooking, fell when cycling or terserempet vehicles on the road. No one can determine the magnitude of the impact of the crash, could be the impact happens fatal in our soul.
The World Health Organization (WHO) mention traffic accidents in Indonesia is the third biggest killer after coronary heart disease and tuberculosis. Data from the Police of the Republic of Indonesia which was released at the groundbreaking of the national movement of Traffic Safety Pioneer in Jakarta, January 2014 mentions, on average 80 people died per day due to traffic accidents. The data also noted, as many as 23.385 people died from a traffic accident case 93.578 by 2013. Material losses resulting from it to reach Rp 232 billion.
In order to provide a sense of security over risk finance going on, have a personal accident insurance is one way. This type of insurance guarantee over risks of death, permanent disability, care and treatment costs caused by accidents. So if the owner of the insurance policy or the insured died any accident, the beneficiary will receive compensation from the insurance money. It should be noted for this product, the insurance will not provide cash compensation when death occurs because of a disease.
Personal accident insurance is first introduced in the United Kingdom in 1848 to protect the passenger train from the risk of accidents. In 1863 United States also began to introduce this insurance. This type of insurance can be obtained through your insurance provider or public life (soul).
As one of the service providers of life insurance (the soul) a complete and reliable Life, BNI also provide personal accident insurance that is the shield. This product provides protection against the risk of death, permanent disability and reimbursement of costs of care in the hospital due to accidents. Only with a minimum of Rp200 thousand rupiah per year, you get protection and maximum sum assurred amounting to Rp40 million in the event of an accident.