1. PRUAccident Plus
Overview: PRUAccident Plus is an accident insurance product designed to provide financial protection against accidents and their consequences. It offers comprehensive coverage for medical expenses, disability, and accidental death, ensuring that policyholders and their families are financially secure.
Features:
- Accidental Death Benefit: Provides a lump sum payout to beneficiaries in case of accidental death.
- Permanent Disability Benefit: Financial support in case of permanent total or partial disability due to an accident.
- Medical Reimbursement: Covers medical expenses incurred due to an accident, including hospitalization, surgery, and treatment.
- Daily Hospital Allowance: Provides a daily allowance for hospital stays resulting from an accident.
- Emergency Assistance: Access to emergency medical assistance and support services.
Benefits:
- Comprehensive Protection: Covers a wide range of accident-related expenses and outcomes.
- Financial Security: Ensures that policyholders and their families are financially protected in case of an accident.
- Peace of Mind: Provides reassurance that financial support is available during difficult times.
- Flexible Coverage: Options to tailor the policy to meet specific needs and budgets.
2. PRUWorkman Compensation
Overview: PRUWorkman Compensation is designed to provide financial compensation to employees who suffer work-related injuries or illnesses. It ensures that employees receive adequate support during recovery, helping them return to work.
Features:
- Income Replacement: Provides compensation for lost wages due to work-related injuries or illnesses.
- Medical Expenses: Covers medical treatment, rehabilitation, and recovery costs.
- Disability Benefits: Offers benefits for temporary or permanent disabilities resulting from workplace incidents.
- Death Benefits: Provides financial support to the families of employees who die due to work-related incidents.
- Legal Liability Coverage: Covers legal liabilities that employers may face due to workplace accidents.
Benefits:
- Employee Protection: Ensures employees are supported during recovery from work-related injuries or illnesses.
- Financial Security: Provides income replacement, reducing financial stress for affected employees.
- Compliance: Helps employers comply with local labor laws and regulations.
- Workplace Safety: Encourages a safer work environment by highlighting the importance of employee health and safety.
3. PRUDisability Protection
Overview: PRUDisability Protection is designed to provide financial support in the event of total or partial disability. This product ensures that policyholders have a source of income and financial assistance if they are unable to work due to a disability.
Features:
- Total Disability Benefit: Provides a lump sum payout or regular income in case of total permanent disability.
- Partial Disability Benefit: Financial support for partial disabilities that limit the policyholder's ability to work.
- Rehabilitation Support: Covers costs associated with rehabilitation and therapy.
- Income Continuation: Ensures continued financial support during the recovery period.
- Flexible Premium Payments: Options for regular premium payments tailored to the policyholder’s budget and needs.
Benefits:
- Financial Security: Provides a steady income stream or lump sum benefit to manage living expenses and medical costs.
- Comprehensive Support: Covers both total and partial disabilities, ensuring broad protection.
- Peace of Mind: Alleviates financial worries, allowing policyholders to focus on recovery and rehabilitation.
- Customizable: Flexible options to enhance and tailor coverage to specific needs and financial capabilities.
4. PRUAccidental Death & Dismemberment (AD&D) Insurance
Overview: PRUAccidental Death & Dismemberment Insurance offers financial protection in the event of accidental death or severe injury. It ensures that policyholders and their families receive adequate support to cope with the financial impact of accidents.
Features:
- Accidental Death Benefit: Lump sum payout to beneficiaries in the event of accidental death.
- Dismemberment Benefit: Financial compensation for loss of limbs, sight, or other severe injuries resulting from an accident.
- Additional Benefits: Coverage for medical expenses, transportation costs, and rehabilitation services.
- Worldwide Coverage: Protection extends globally, ensuring coverage during international travel.
- Flexible Plan Options: Various plan options to suit different needs and budgets.
Benefits:
- Financial Support: Provides substantial financial assistance in the event of accidental death or severe injury.
- Comprehensive Coverage: Covers a wide range of accident-related expenses and outcomes.
- Peace of Mind: Ensures that policyholders and their families are financially protected in case of an accident.
- Customizable Plans: Flexible options to tailor the policy to meet specific needs and financial goals.
Prudential Indonesia’s accident and disability protection insurance products offer comprehensive financial support and security in the event of accidents or disabilities. These products are designed to reduce the financial burden associated with unexpected events, ensuring that policyholders and their families are well-protected and can focus on recovery and rehabilitation.