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Claim Payment Amount

• In the event of loss or damage to the insured property and interests, the maximum compensation borne by us is the Sum Insured.

• The calculation of the loss amount for this EstateCare policy is based on the cost to rebuild or restore the damage that occurred (Reinstatement), provided that the rebuilding/restoration of the building has been carried out.

• The salvage value of the damaged goods is taken into account in the compensation amount.

• If at the time of the claim the interests insured under this policy are also covered by another policy, the indemnity from this policy will not exceed the proportional level in accordance with the obligations of each of those policies.

Burglary Claim Payment Amount

• Indemnity during the coverage period of 10% of the sum insured stated in the policy, up to a maximum of Rp100,000,000

• For each damage to the building (including locks, doors, windows), indemnity will not exceed Rp1,000,000 per occurrence

• The calculation of the loss amount is based on the new price of the lost goods at the time of the incident without deducting depreciation (New for Old Basis)

• The salvage value of the damaged goods is taken into account in the compensation amount

• If at the time of the claim the interests insured under this policy are also covered by another policy, the indemnity from this policy will not exceed the proportional level in accordance with the obligations of each of those policies

Third-Party Claim Payment Amount

• The maximum claim indemnity including legal costs per occurrence does not exceed Rp10,000,000

• If at the time of the claim the interests insured under this policy are also covered by another policy, the indemnity from this policy will not exceed the proportional level in accordance with the obligations of each of those policies

Non-Auto Claim Reporting