Enjoy a Safer Trip with the Full Protection

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What is Full Protection?

Full Protection is BCAinsurance's product designed specifically for tiket.com users. This insurance provides protection from unforeseen events, such as accidents or inconveniences during your trip.

By purchasing Full Protection, you are entitled to compensation due to accidents, trip delays or cancellations, baggage delays, baggage loss or damages, trip delays by the passenger, and missed flights or connections.

Full Protection is only available for transactions in IDR. To add this insurance to your trip, change your currency selection to IDR before transacting.

Full Protection Benefits

Here are the details of Full Protection coverage and compensation. The value stated is the maximum compensation for the insurance.

Benefits	Domestic	International
Personal accident - death and disablement	Up to IDR 500,000,000	Up to IDR 500,000,000
Travel delay	IDR 350,000 every 2 consecutive hours of delay (max. IDR 4,500,000)	IDR 350,000 every 2 consecutive hours of delay (max. IDR 4,500,000)
Baggage delay	IDR 500,000 every 4 consecutive hours of delay (up to IDR 3,000,000)	IDR 500,000 every 4 consecutive hours of delay (up to IDR 3,000,000)
Travel cancellation	Up to IDR 100,000,000	Up to IDR 100,000,000
Travel delay (by the passenger)	Up to IDR 1,000,000 (one way) & up to IDR 2,000,000 (round trip)	Up to IDR 2,000,000 (one way) & up to IDR 3,000,000 (round trip)
Loss of or damage to the baggage	Up to IDR 5,000,000	Up to IDR 10,000,000
Travel misconnection	Up to IDR 5,000,000	Up to IDR 5,000,000

To add Full Protection to your trip, check out how to order Flights multi-insurance on tiket.com!

Other Flights Multi-insurance Products

For more protection during your trip, check out our other multi-insurance products below!

Baggage Insurance

Extra assurance for your baggage from the possibility of damage, loss, or delay.

Read the details

Flight Delay Plus

Get compensation for delayed flights of more than 90 minutes!

Read the details

Flight Delay Basic

Protection from inconveniences during your trip, such as flight and baggage delays.

Read the details

Flight Reschedule Protection

Get compensation for flights that are delayed or canceled by the airline.

Read the details

Connecting Flight Protection

Protection from missed connections or other disruptions on connecting flights.

Read the details

T&C and Other Info on the Full Proctection

This Travel Insurance is an insurance product from PT. Asuransi Umum BCA (BCAinsurance).
The products marketed are Insurance Products.
Travel Insurance can only be purchased through www.tiket.com, m.tiket.com, and tiket.com mobile app (IOS & Android)
Travel Insurance is applicable for a trip with an airplane One Way Trip or Round Trip for either a Domestic route or an international route.
For a Round Trip, this insurance covers the journey from the place of departure to the destination and back to the place of departure under a single purchase code. The maximum interval between the outbound flight and the return flight is 365 days.
For a Round Trip, the insurance covers travel from abroad to Indonesia (inbound), from Indonesia to abroad, as well as travel between foreign countries and back to the place of departure under a single purchase code.
This Travel Insurance is applicable to all citizens with a minimum age of 2 (two) years and/or a maximum age of 65 (sixty-five) years at the time of departure.
Children under the age of 18 years old must be accompanied by family or people who have the authority to accompany the child while traveling.
Tiket.com does not manage any premiums and only acts as an intermediary between the Insured and Cermati Protect and BCAinsurance through the website or application.
Tiket.com has no obligation and/or liability whatsoever in relation to any purchase of insurance products by the Insured.
Tiket.com has the right, without prior notice, to take any necessary actions if any fraudulent actions are found from the Insured.
The Insured is a tiket.com customer who is individually included in the policy for something to be insured under the Travel Insurance so that he/she has the right to get insurance protection from any possible risks that may occur.
This insurance covers any losses that are suffered by the Insured while on the airplane and/or at the airport a maximum of 6 (six) hours from the time of arrival or departure. The Insurance does not cover any period during the stay at the airport hotel.
In the event of a rescheduling of any flight ticket either from the Airline or upon the request of the Insured, the Insured is obliged to inform any change in the schedule to Cermati before the departure date.
If Cermati does not receive any information regarding the rescheduling of any flight ticket before the departure date, then in the event of any claim, such claim cannot be processed.
Insurance premiums are non-refundable.
By having this Travel Insurance product, the Insured will get several insurance benefits which can be seen in the Benefit Table.
Insurance Policy will be sent via email to the Insured.
Claim reporting can be conducted through the online claim center https://m.tiket.com/insurance-claim or for more information, please contact WhatsApp (chat only) at 0815-8500-9500 or email to claims@cermati.com.
Claim reporting can only be submitted within a maximum period of 30 (thirty) Calendar Days from the date of occurrence by the Insured along with the documents or other evidence to facilitate the claim verification process. All costs incurred to obtain such documents or evidence shall be the responsibility of the Insured. Each claim reporting must provide the Insured's data as listed in the Policy.
Any supporting claim documents is submitted to the Insurer through Cermati Protect within a maximum of 30 (thirty) Calendar Days since the claim reporting. If within such period the Insured has not provided the complete claim documents, then the claim process cannot be continued.
The Insured is advised to carefully read all explanations of the coverage and exclusions as contained in the provisions of the BCAinsurance Policy.
The Insured authorizes BCAinsurance to use or provide information and/or statements regarding the Insured that is available, obtained, or stored by BCAinsurance (as stated in this Application for Insurance Coverage, Policy, or other documents of the Insurance Product) in the context of submitting this Insurance Coverage, any Claim payments, and any services of the Insured. The Insured also understands that the Insured has the right to make any corrections or additions to the information and statement regarding the Insured by contacting BCAinsurance.
The Insured authorizes BCAinsurance to use and/or provide any information and/or statement regarding the Insured in connection with the Insured Policy based on this Insurance Coverage including but not limited to any information and/or statement regarding the Premium.
The Risks that any Policy Holders Need to Know regarding the Purchase of the Travel Insurance:
- Cancellation Risk
  If the Policy is cancelled by the Insured before the end of the Insurance Period, the premium that has been paid by the Insured cannot be refunded.
- Credit Risk
  The insured will be exposed to the credit risk of PT Asuransi Umum BCA as a risk selector for the insurance products. The credit risk relates to the ability to pay for any obligations of PT Asuransi Umum BCA to its customers. PT Asuransi Umum BCA has managed to maintain its performance to exceed the minimum capital adequacy set by the Government.
- Operational Risk
  The risks due to inadequate and/or malfunctioning internal processes, human errors, system failures, and/or external events that affect the operations of PT Asuransi Umum BCA.
Part of the premium paid by the Insured or Policy Holder is passed on as a commission to the marketer in the context of marketing the Insurance Product.
By purchasing the Travel Insurance product, the Insured has read, understood and agreed to each of the terms and conditions of the Travel Insurance product knowingly and without any coercion from any party, including but not limited to the decision of BCAinsurance.

Personal Accident – Death & Disablement
Your or your heirs are entitled to compensation up to IDR 500,000,000 with compensation value as follow:

Type of Accident	Percentage Limit
Death	100%
Total and permanent disability	100%
Permanent paralysis of all limbs	100%
Total and permanent blindness of both eyes	100%
Permanent or partial loss of the use of two limbs	100%
Total and permanent loss of the ability to speak and hear	100%
Total and permanent hearing loss:
Both ears	75%
One ear	15%
Total and permanent vision loss in one eye	50%
Loss of use of one leg/arm	50%

Notes:

Death occurs within 12 months period from the date of injury.
Permanent total disability/ incapacity has lasted 12 months from the date of injury and in all likelihood, it will continue for life.

Travel Delay
You deserve compensation of IDR 350,000 for every 2 (two) consecutive hours delay, up to a maximum of IDR 4,500,000 for each policy if your flight experiences delay caused by strike/industrial action, bad weather, engine failure, and defects in the public transportation structure. All forms of changes to the schedule of departure from the Airline are not covered under this Travel Delay benefit. Delay is calculated from the departure time of public transportation referred to in the itinerary.
Baggage Delay
You are entitled to compensation of IDR 500,000 maximum IDR 3,000,000 if the baggage that has been “checked in” along with you has been delayed, misdirected, or incorrectly placed by the transport company, at least 4 (four) hours delay after your arrival at the baggage claim. The benefits cannot be given if baggage delay occurs when you return to your country/ city of origin.
Travel Cancellation
You are entitled to get a refund in the amount of your ticket cost up to IDR 100,000,000 if within 30 (thirty) calendars days before the departure date you experience:
- Death or serious injury or severe illness or compulsory quarantine that you or your immediate family must undergo;
- Labor strikes, riots, or unexpected civil commotion at your destination area;
- Severe damage to your primary dwelling house caused by fire, flood, or other natural disaster (windstorm, earthquake, etc.) within 7 (seven) calendar days before the departure date which requires your existence at the place on the date of departure;
- Calling as a witness or as a jury member in the court.
- This insurance does not cover travel cancellation due to a change of mind

Travel Delay (by the passenger)
You are entitled to compensation as follow:

Max. IDR 1,000,000 for Domestic One-way	Max. IDR 2,000,000 for International One-way
Max. IDR 2,000,000 for Domestic Round-trip	Max. IDR 3,000,000 for International Round-trip

for the following events that occur within 30 (thirty) calendars days before the departure date:

Death or serious injury or severe illness or compulsory quarantine that you or your immediate family must undergo;
Labor strikes, riots, or unexpected civil commotion at your destination area;
Severe damage to your primary residence caused by fire, flood, or other natural disasters (windstorm, earthquake, etc.) within 7 (seven) calendar days before the departure date which requires your existence at the place on the date of departure;
Calling as a witness or as a jury member in court.
This insurance does not cover travel delays due to a change of mind.

Loss of/Damage to Baggage
You are entitled to compensation up to IDR 5,000,000 for Domestic trip, and up to IDR 10,000,000 for International trip, if the loss of or damage to personal baggage carried or purchased in a suitcase or bag, etc., All items must be your personal property, not rented, borrowed, or entrusted goods.
In the event the article/item of your personal property is proven to be beyond economic repair, the claim will be dealt with under this Policy as if the article had been lost. In the event of loss or damage to any property insured forming part of a pair or set, BCAinsurance’s liability shall not exceed a proportionate part of the value of each pair or set.
BCAinsurance may reimburse or at its option reinstate or repair subject to the due allowance for wear and tear and depreciation.
The loss must be reported immediately to the police or the relevant authority such as hotel and /or airline management having jurisdiction at the place of the loss. Any claim must be supported by written documentation from such authorities.
Travel Misconnection
You are entitled to compensation up to IDR 5,000,000 if the connecting transportation to continue the confirmed trip fails to be boarded at the point of transfer because the scheduled transportation to be used is late and no other scheduled transportation can be used.

General Mandatory Documents (softcopy & hardcopy)

Digital Claim form to be filled out
Boarding Pass; If lost, you can replace the Boarding Pass by requesting the following documents to the airline:
- Substitute document that indicates the same information as the Boarding Pass
- PNR (Passenger Name Record) which is the record of the passengers’ information based on flight history
Copy of the Insured's valid ID (KTP / Passport / Birth Certificate / KITAS)
Proof of purchasing flight tickets from tiket.com.

Specific Mandatory Documents

You must provide supporting documents for the claim process as follows:

1. Personal Accident - Death & Disablement

Death: Death certificate from the authorized party.
Loss of Insured: Certificate of accident and termination of the search from the competent authority.
Permanent disablement: Certificate of examination (Visum) from Doctor.

Document form: softcopy and hardcopy.

2. Travel Delay
Boarding pass. If lost, you can replace the Boarding Pass by obtaining the following documents from the airline:

Substitute document which indicates the same information as Boarding Pass;
PNR (Passenger Name Record) which is the record of the passengers’ information based on flight history

Document form: softcopy.

3. Baggage Delay

Written confirmation from the carrier on the duration and reason for the delay.

Document form: softcopy.

4. Travel Cancellation

Boarding pass
Medical report/ proof or relationship if the claim is incurred due to illness or injury sustained by family members, or photocopy of court summons (if a witness or jury member in court).
Booking invoice & non-refundable written statement from airplane company.

Document form: softcopy and hardcopy.

5. Travel postponement

Boarding Pass.
Medical report/proof or relationship if the claim is incurred due to illness or injury sustained by family members, or photocopy of court summons (if a witness or jury member in court).

Document form: softcopy.

6. Loss/Damage of Baggage

Report from the carrier if losses or damages are occurred while the item is/are in their custody.
Police report lodge at the place of loss.
Original replacement receipts and documents stating amount of compensation from airlines or other sources (if losses/ damages are occurred while the item is/are in their custody).
Photograph to show extent of damage.
Proof of Baggage ownership.

In case proof of baggage ownership cannot be provide, please provide the following documents otherwise:

Offer/invoice of the identical baggage as per time of occurrence
Statement letter that contains the baggage information:
- Purchase date
- Price of baggage
- Purchase location
- Baggage type & brand

Document form: softcopy.

7. Travel Misconnection

Written confirmation from the carrier on the duration and reason for the delay.

Document form: softcopy.

Assistance & Claim

Customer Care:

Live chat via WhatsApp: +62 815 8500 9500 (Monday-Friday on 09:00-18:00 WIB, except during public holidays)
Email: claims@cermati.com

Online Claim Center: https://m.tiket.com/insurance-claim

What is Travel Insurance?
Travel Insurance is Insurance protection for unforeseen events such as accidents or inconveniences that occur during your trip include: Travel Postponement, Baggage delay, loss of Baggage, or Travel Misconnection. Travel Insurance is the product of BCAinsurance and specially designed for tiket.com users.
How can I buy Travel Insurance BCAinsurance?
You can buy Travel Insurance BCAinsurance at tiket.com when you book an airplane ticket on apps or website tiket.com.
How does this Travel Insurance cover my Trip?
This Travel Insurance covers the risks to you and every other passenger whose name you registered at the time of purchasing the Insurance Policy as the Insured during the flight and airport for a maximum of 6 (six) hours from arrival or departure. So that if the Insured suffers a loss mentioned in this Travel Insurance guarantee, BCAinsurance will provide these benefits to the Insured or his heirs. This Travel Insurance does not cover the period during which the Insured stays at the airport hotel. The term airport is included in the building and outside the building, which is still a direct part of the related airport area.
Who can buy Travel Insurance BCAinsurance?
This Travel Insurance is applicable for all Citizens with the age of at least 2 (two) years old and/or at the most of 65 (sixty-five) years old at the time of departure date. Children under the age 18 (eighteen) should be accompanied by his/her family or parents, or a person who has the authority while travelling.
How many types of flight coverage in this Travel Insurance BCAinsurance?
- For One Way Trip
  This option is offered if you are traveling one way
  For one-way trip, this insurance will be effective from the time you enter the departure airport and will end when you arrive at the destination airport.
  The flight route can be either domestic or international.
- For Round-Trip
  This option is offered if you are traveling round-trip.
  For round-trip travel, BCAinsurance will be effective from the time you enter the departure airport and will end when you arrive at the destination airport. It will then start again when you enter the departure airport to return to the destination airport and will end when you arrive at the destination airport.
  The flight route can be either domestic or international.
Does Travel Insurance BCAinsurance cover overseas departure?
Yes. Your international flight cover benefit from Travel Insurance BCAinsurance.
What Prohibited Countries are not covered in BCAinsurance Full Trip Protection?
Afghanistan, Iran, Iraq, Syria, Belarus, Cuba, Democratic Republic of Congo, North Korea, Lebanon, Liberia, Somalia, Sudan, South Sudan, Zimbabwe.
How much premium should be paid to get Travel Insurance BCAinsurance?
The insurance premium would depend on the type of flight that you book from tiket.com. The price that you pay on the booking form is the total prices that include the price of Travel Insurance Premium and Administration cost.
If in the event of illness during my trip, does this Travel Insurance cover the cost incurred due to medical treatment at the destination area?
No. Your Travel Insurance does not cover any of your medical costs.
Can I add Travel Insurance Benefit?
No. Your Travel Insurance is a fixed benefit insurance and can’t be added/ enhanced.
What is Travel Insurance benefits?
Please look at the Travel Insurance Benefit table.
I booked a flight at tiket.com, but I missed buying Travel Insurance. Can I buy it separately?
No. Your Travel Insurance can only be purchased in conjunction with airline ticket purchases.
Can I buy Travel Insurance for a Round Trip with more than 365 (three hundred sixty-five) days?
No. The maximum gap between departure time and return flight is 365 days and should be within 1 (one) booking code.
I need to cancel my flight. Can I get a refund for my Insurance purchase?
Your Travel Insurance can be canceled with a non-refund premium.
How can I file a claim?
You can file a claim through the online claim center https://m.tiket.com/insurance-claim. For further information, please refer to section “3. Assistance and Claims”.
Is there a timeline for filing a claim?
Claims must be filed at the latest within 30 (thirty) calendar days after the date of occurrence. All documents are required to be submitted within 30 (thirty) calendar days from the claim-initiated date.
How much time needed to process a claim payment?
Payment will be processed within 14 (fourteen) working days maximum after a written agreement between the Insurer and the Insured about claim settlement amount has been reached.
How does this Travel Insurance cover Schedule Changes or Cancellations from the Airline?
This Travel Insurance does not cover the risk/loss to you and any other passenger that their name you’ve registered at the time of purchasing the Insurance Policy as the Insured for any form of Schedule Changes from the Airline and/or any form of Flight Cancellation from the Airline.