Flight Disruption Protection

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What is Flight Disruption Protection?

Flight Disruption Protection is an insurance that protects you from any delays, schedule changes, or cancellations made by the airline.

By purchasing this insurance, you can get your money back in full, equal to your ticket price, and still be able to go or fly on the next flight! You'll be automatically notified upon your delayed flight. Not to mention the quick and easy claim and approval!

Flight Disruption Protection is only available for transactions in IDR.

Flight Disruption Protection Benefit

Benefit	Compensation
Flight delay / reschedule by the airline of min. 2 hours within 24 hours of departure	Covers the cost of replacement flight tickets up to IDR 32,000,000 or a compensation equal to the original ticket price if you decide to continue your journey.
Flight cancellation by the airline within 24 hours of departure

The ticket price stated above refers to the amount paid by the insured, including taxes and excluding additional services such as extra baggage and others.

This insurance is NOT valid for trips to Russia, Iran, North Korea, Syria, Crimea, Cuba, and Belarus.

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

Get Flight Disruption Protection (during booking)

1. Choose your preferred flight

2. Select your ticket fare

3. Add the Flight Disruption Protection to your booking

4. Continue to payment

Get Flight Disruption Protection (after booking)

You can also add Flight Disruption Protection to your booking after transaction or to your existing ticket. Here’s how to do it:

1. Find and click the “Insurance” icon on homepage

2. Or, click "Protect" on the order in Your Orders menu

3. Add Flight Disruption Protection

4. Check the protection, passengers, and route details

5. Complete the transaction to get your trip protected

How to claim Flight Disruption Protection

1. Find and click the “Insurance” icon on homepage

2. Inside the Insurance page, click “Claim Center”

3. Select the protection you want to claim

4. Input passenger’s or booker's bank account

5. Claim will be processed within 1 - 6 working days

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Explore Our Other Protections

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Baggage Insurance

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

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Flight Delay Plus

Get compensation for delayed flights of more than 90 minutes!

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Flight Delay Basic

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

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Flight Reschedule Protection

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

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Self Transfer Protection

Protection from missed connections or other disruptions on connecting flights.

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T&C and Other Info About Flight Disruption Protection

Flight Disruption Protection is a flight insurance product provided by PT Great Eastern General Insurance Indonesia.
Flight Disruption Protection can be purchased either together with or separately from a flight ticket through the websites www.tiket.com, m.tiket.com, and the tiket.com app (iOS & Android).
Flight Disruption Protection is only applicable for journeys by airplane for One-Way Trip or Round Trip with Domestic and International routes inbound or outbound.
The Insurer will not be responsible for any negligence on the part of the tiket.com system.
This insurance is valid for all citizens with a minimum age of 3 (three) months and/or a maximum age of 80 (eighty) years at the time of departure.
All terms and conditions related to the product will refer to the policy wording.
Fair Usage Policy (FUP)
a. The Policyholder is required to use the insurance benefits according to the needs arising from legitimate events covered under the insurance policy.

b. Claim submissions must be supported by valid, complete evidence in accordance with the regulations applicable within the insurance company.

c. The use of insurance benefits that appears disproportionate to the actual circumstances may be considered a violation of this Fair Usage Policy (FUP).

d. The Policyholder is not permitted to use insurance benefits for purposes outside the scope of coverage as defined in the insurance policy, including but not limited to business activities or permanent activities abroad.
Violations of this FUP include, but are not limited to:
a. Submitting claims suspected of containing elements of fraud, fabrication, or false information;

b. Concealing material information that may affect risk assessment;

c. Using insurance benefits for non-emergency purposes or purposes not aligned with the travel intent; or

d. Submitting repeated claims for the same incident without legitimate grounds.
tiket.com, Cermati Protect, and PT Great Eastern General Insurance Indonesia reserve the right to:
a. Conduct verification and investigation of claims or service usage that we consider to exceed reasonable limits;

b. Reject or suspend claim payments if indications of FUP violations are found;

c. Unilaterally cancel the policy if an intentional violation is proven;

d. Report actions indicating fraud to the relevant authorities in accordance with applicable laws and regulations; and/or

e. Take any additional measures deemed necessary in accordance with applicable laws and regulations.
Claims can be submitted using the bank account number of the ticket purchaser or the passenger who will be flying.
The Insured must ensure that the bank account number submitted during the claim matches the name of the ticket purchaser or the passenger who will be flying. Any errors in entering the account number are the full responsibility of the Insured.

Ticket re-booking is not limited to the same airline, but the route, destination, and flight class must be the same as the original/initial ticket, excluding additional services such as extra baggage, etc.

Airline Type & Class		Terms
Before	After	Terms
Low Cost Carrier (LCC)	Low Cost Carrier (LCC)	Applicable
Full Service	Low Cost Carrier (LCC)
Full Service	Full Service
Economy Low Cost Carrier (LCC)	Economy Low Cost Carrier (LCC)
Business Full Service	Economy Low Cost Carrier (LCC)
Low Cost Carrier (LCC)	Full Service	Not applicable
Economy Low Cost Carrier (LCC)	Economy Full Service	Not applicable

Claims are only valid for one (1) type of claim per policy (delay, reschedule, or cancellation) with a minimum time gap of 120 (one hundred twenty) minutes from the original scheduled time.
If Flight Disruption occurs due to the factors listed below, the coverage amount will be aggregated per incident among all insured parties, which shall be determined by the Insurer. The Insurer shall not guarantee the events stated below if insurance is purchased during the incident:

a. Declaration of 'emergency' or similar 'extraordinary' measures taken by government authorities in the destination city, region, or country where the Insured is traveling, or the issuance of a Security and Safety Advisory by the Indonesian Government for that destination.

b. Determination by the World Health Organization (WHO) that the destination city, country, or region where the Insured is traveling is at risk for COVID-19, monkeypox, or other global pandemics/diseases. Such events will not qualify as valid reasons. If a cancellation, declaration of emergency, warning, notification, determination, or similar government action occurs after the purchase of this insurance, the purchased policy will immediately expire.

c. Force Majeure: The insurer shall not be liable for delays or non-fulfilment of obligations under this Insurance Product arising from causes beyond reasonable control, including but not limited to Acts of God, government or regulatory authorities, war, fire, flood, explosion, civil unrest, changes in applicable laws, pandemic epidemics, or failures in internet or telecommunications systems.
For children under the age of 18 (eighteen), proof of guardian responsibility must be provided with a family card at the time of the claim, or the person authorized to accompany the child during the trip.
tiket.com does not manage premiums and only acts as an intermediary between the Insured and Cermati Protect and PT Great Eastern General Insurance Indonesia through the website or app.
tiket.com has no obligations and/or responsibilities regarding the purchase of the Insurance product by the Insured.
tiket.com has the right, without prior notice, to take necessary actions if any fraudulent activity by the Insured is detected.
The Insurance Premium is non-refundable.
Coverage Summary will be sent via email to the Insured.
The Insured is a tiket.com customer who is individually listed in the policy for something insured under the Flight Disruption Protection, thereby having the right to receive insurance coverage from possible risks that may occur.
Claims reporting can be done through the Online Claim Center at m.tiket.com/insurance-claim or for further information, you can contact WhatsApp (chat only) at +62 815-8500-9500 during business hours from 09:00 – 21:00 (except national holidays) or email claims@cermatiprotect.com.
If within 90 (ninety) calendar days the Insured is unable to provide a valid bank account, or if the Insured is a Foreign National (non-Indonesian citizen) without a local bank account, then the Insured agrees that the approved claim payment will be transferred to tiket.com to be converted into Blibli Tiket Points. This decision is final and binding, and therefore the Insured is not entitled to file any complaints or objections in the future. Once the Insurance has made the claim payment to the Policyholder or Broker, full responsibility for the claim shall lie with the Policyholder.
An insurance company will not process a claim submission if the insurance policy was purchased after the Insured became aware of the event to be claimed, or after information about the event was made public.
The Insured is advised to carefully read all explanations about the guarantees and exclusions contained in the policy terms of PT Great Eastern General Insurance Indonesia.
The Insured authorizes PT Great Eastern General Insurance Indonesia to use or provide information and/or details regarding the Insured that are available, obtained, or stored by PT Great Eastern General Insurance Indonesia (as stated in this Insurance Coverage Request, the Policy, or other documents from the Insurance Product) for the purpose of submitting this Coverage Request, claim payment, and the Insured's service. The Insured also understands that the Insured has the right to correct or add information about the Insured by contacting PT Great Eastern General Insurance Indonesia.
The Insured authorizes PT Great Eastern General Insurance Indonesia to use and/or provide information and/or details regarding the Insured in connection with the Insured's Policy based on this Coverage Request, including but not limited to information and/or details about the Premium.
By purchasing the Flight Disruption Protection product, the Insured has read, understood, and agreed to all the terms and conditions of the Flight Disruption Protection product knowingly and without coercion from any party, including but not limited to the decision of PT Great Eastern General Insurance Indonesia.
Transactions are conducted in Indonesian Rupiah, and if reimbursement is made to a foreign bank, the applicable foreign exchange (For-Ex) rate at the time of the reimbursement transfer will be used. The amount reimbursed will be equivalent to the compensation amount in Rupiah. All costs related to the foreign exchange (For-Ex) transfer shall be borne by the Insured.
PT Great Eastern General Insurance Indonesia, Cermati Protect, and tiket.com reserve the right to establish a Fair Usage Policy (FUP) as determined by the three parties. See detailed FUP on the FUP section.
If a user is deemed to have exceeded the Fair Usage Policy (FUP), PT Great Eastern General Insurance Indonesia, Cermati Protect, and tiket.com reserve the right to take necessary actions to mitigate potential risks of fraudulent activities or misuse, including imposing restrictions on the sale of Flight Disruption Protection for certain customer categories.

1.	What is Flight Disruption Protection? Flight Disruption Protection is insurance that provides coverage for unexpected events such as flight delays/changes or cancellations by the airline. Flight Disruption Protection is a product of PT Great Eastern General Insurance Indonesia and is specifically designed for tiket.com users.
2.	How can I obtain Flight Disruption Protection? This Flight Disruption Protection can be purchased separately or together when you buy your flight ticket through the tiket.com app (iOS & Android) or the tiket.com website.
3.	How does Flight Disruption Protection guarantee my journey? This protection guarantees risks that affect you and any other passengers whose names you registered at the time of purchasing the insurance as the insured, 24 hours before departure. If the insured suffers a loss mentioned in the coverage of this Flight Disruption Protection, PT Great Eastern General Insurance Indonesia will provide the benefits to the insured.
4.	Who can purchase Flight Disruption Protection? This protection is only available for all citizens with a minimum age of 3 (three) months at the time of departure and/or a maximum age of 80 (eighty) years at the time of departure. For children under 18 (eighteen) years old, proof of guardian responsibility must be provided with a family card at the time of claim or by the person authorized to accompany the child during the journey.
5.	What are the benefits of Flight Disruption Protection? Details of the benefits of Flight Disruption Protection can be found in the Benefits Table and the Coverage Summary and Policy Wording that you will receive as the trip owner via email.
6.	Are there any deductibles I need to bear? The deductible costs you are responsible for are listed in the Benefits Table and the Coverage Summary and Policy Wording that you will receive as the trip owner via email.
7.	What are the exclusions from Flight Disruption Protection? Exclusions for Flight Disruption Protection can be found in the Policy Wording published by PT Great Eastern General Insurance Indonesia.
8.	How do I submit a claim? Claims can be reported by accessing the Online Claim Portal at m.tiket.com/insurance-claim.
9.	Is there a deadline for filing a claim? You must submit a claim within 7 (seven) calendar days from the date of the incident or as soon as possible after the incident occurs, along with completing the claim documents and/or other evidence required by PT Great Eastern General Insurance Indonesia to facilitate the claim verification process within 3 (three) working days from the date of claim submission. Any costs incurred to obtain these documents or evidence are your responsibility as the insured.
10.	How long does it take to process claim payments? Claim payments will be processed by PT Great Eastern General Insurance Indonesia to the insured within a maximum of 3 (three) working days after the claim has been reviewed and approved by PT Great Eastern General Insurance Indonesia.
11.	How will I receive my claim payment? After the claim is approved by PT Great Eastern General Insurance Indonesia, the payment will be made via transfer to a bank account under the name that matches the insured (either the purchaser or the passenger) for the amount approved by PT Great Eastern General Insurance Indonesia. Foreign bank accounts will incur transfer and forex fees charged to the insured. If the claim amount transferred is lower than the transfer fees or the minimum transfer amount set by the bank.
12.	How does the Insured receive the claim payment? The claim will be paid to the bank account registered at the time of claim submission. However, if the bank account number is invalid or not a Rupiah-denominated account, and the Insured does not reconfirm within 90 days, the payment will be converted into Blibli Tiket Points.

Claim Documents & Info

The insured must provide the following supporting documents for the claims process:

Mandatory Documents – General

A digital claim form provided by Cermati Protect that includes information such as: Name of the insured, Identity number / ID card number, Gender, Address, Date of birth, Mobile number, Email, Date of loss, Location of the loss, and Chronology of the loss incident.
Power of Attorney / Personal Data of the Insured as registered through tiket.com (Family Card for Indonesian citizens and Passport/KITAS/KITAP for foreign citizens) if the beneficiary bank account holder's name does not match the name of the Insured.

Mandatory Documents – Specifics (If receiving a notification)

Bank account number of the Insured (either according to the Account Owner's name in the application or the Passenger's name). International banks will charge transfer and forex fees to the Insured if the claim amount transferred is lower than the transfer fee or the minimum transfer amount required by the bank.
Proof of additional costs at the time of rescheduling/new flight ticket invoice (if the customer chooses to purchase a new ticket or reschedule).

Mandatory Documents – Specifics (if not receiving a notification)

Bank account number of the Insured (either according to the Account Owner's name in the application or the Passenger's name). International banks will charge transfer and forex fees to the Insured If the claim amount transferred is lower than the transfer fee or the minimum transfer amount required by the bank.
Original flight invoice
Original flight details (e-ticket)
Proof of disruption from the airline.
Proof of additional costs at the time of rescheduling/new flight ticket invoice (if the customer chooses to purchase a new ticket or reschedule)

For questions related to insurance benefit, please contact :

WhatsApp for Business (chat only): +62 815 8500 9500 (operational hour everyday on 09:00-21:00)
Online Claim Portal: m.tiket.com/insurance-claim
Email: claims@cermatiprotect.com