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 Coverage

Coverage	Compensation
Coverage	Domestic	International
Personal accident causing death/permanent disability	Max. IDR 500,000,000	Max. IDR 500,000,000
Travel delay	IDR 350,000 per 2 hours of delay (Max. IDR 4,500,000)	IDR 350,000 per 2 hours of delay (Max. IDR 4,500,000)
Baggage delay	IDR 500,000 per 4 hours of delay (Max. IDR 3,000,000)	IDR 500,000 per 4 hours of delay (Max. IDR 3,000,000)
Cancellation for specific reasons	Max. IDR 100,000,000	Max. IDR 100,000,000
Postponement for specific reasons	Max. IDR 1,000,000 (One-way)/IDR 2,000,000 (Round-trip)	Up to IDR 2,000,000 (One-way)/IDR 3,000,000 (Round-trip)
Baggage damage/loss	Max. IDR 5,000,000	Max. IDR 10,000,000
Missed connecting flight	Max. IDR 5,000,000	Max. IDR 5,000,000

You can check the details and terms & conditions for Full Protection at the bottom of this page.

The examples below are for illustration only. Your actual claim may vary depending on your situation.

Coverage	Details
Coverage	What’s covered ✅	What’s not covered ❌
Personal accident causing death/permanent disability	Flight accidents resulting in death or permanent disablement.	Accidents resulting in temporary disablement.
Travel delay	A delay of min. of 120 minutes from your schedule (original or rescheduled).	A delay of less than 120 minutes. For a rescheduled flights, duration is calculated from the new schedule.
Baggage delay	Baggage delayed for min. of 4 hours after you arrive at baggage claim.	Baggage delay of less than 4 hours.
Cancellation for specific reasons	Cancellation Terms (Min. 30 days before departure): Health & Safety (Serious illness, major injury, mandatory quarantine, or death of the Insured or immediate family). Emergency at Destination (strikes, riots, or unexpected civil unrest Natural Disaster at Home (severe damage to primary residence due to fire or natural disasters within 7 days before departure) Legal Obligations (court summons as a witness or jury member)	Change of mind, wrong date, or wrong name.
Postponement for specific reasons	Cancellation Terms (Min. 30 days before departure): Health & Safety (Serious illness, major injury, mandatory quarantine, or death of the Insured or immediate family). Emergency at Destination (strikes, riots, or unexpected civil unrest Natural Disaster at Home (severe damage to primary residence due to fire or natural disasters within 7 days before departure) Legal Obligations (court summons as a witness or jury member)	Change of mind, wrong date, or wrong name.
Baggage damage/loss	Baggage damage is covered by the insurance. For baggage loss, the insurance covers the difference not compensated by the airline.	Baggage loss that is fully compensated by the airline, or excluded items from coverage list.
Missed connecting flight	Expenses for accommodation, new tickets, transport & meals if connecting flight is missed due to initial route delay.	Expenses that already reimbursed by the airline or expenses outside coverage. (see Terms & Conditions)

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

Self Transfer Protection

Protection from missed connections or other disruptions on connecting flights.

Read the details

Flight Disruption Protection

Protection from any delays, schedule changes, or cancellations made by the airline.

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 product offered is an Insurance Product.
Travel Insurance can be purchased together with or separately from flight tickets via www.tiket.com, m.tiket.com, and the tiket.com app (iOS & Android).
Travel Insurance is valid for trips using an airplane for One-Way Trips or Round Trips with Domestic or International routes.
For Round Trip, this insurance covers travel from the departure location to the destination and back to the departure location under the same purchase code (order ID). The maximum gap between outbound and return flights is 365 days.
For Round Trip, the insurance covers travel from abroad to Indonesia (inbound), from Indonesia abroad (outbound), or travel between foreign countries and back to the departure location under the same purchase code (order ID).
This Travel Insurance is valid for all citizens aged 2 (two) to 65 (sixty-five) years on the departure date.
Children under 18 years of age must be accompanied by family or an authorized guardian during the trip.
tiket.com does not manage premiums and acts only as an intermediary between the Insured and Cermati Protect and BCAinsurance via the website or app.
tiket.com has no obligation or responsibility regarding the purchase of the insurance product by the Insured.
tiket.com reserves the right, without prior notice, to take any necessary actions if fraud is detected involving the Insured.
The Insured is a tiket.com customer individually named in the policy for the insured risk and thus has the right to receive insurance protection against potential risks.
This insurance covers losses occurring while on the airplane and/or at the airport, for a maximum of 6 (six) hours from arrival or departure. It does not cover hotel stays at the airport.
This coverage only applies if the policy is purchased before becoming aware of any events that may cause a disruption to the trip.
In case of flight schedule changes (reschedule) by the airline or the Insured, the Insured must inform Cermati Protect of the new schedule before the departure date.
If schedule changes are not reported to Cermati Protect before the departure date, claims related to such changes cannot be processed.
Insurance premiums are non-refundable.
By having this Travel Insurance, the Insured will receive the benefits listed in the Benefits Table.
The insurance policy will be sent to the Insured via email.
Claims can be reported through the Cermati Protect claims center at https://m.tiket.com/insurance-claim or via WhatsApp (chat only) at 0815-8500-9500 or email claims@cermatiprotect.com at their operational hours on Monday-Sunday, 09:00-21:00 GMT+7 (except on national holidays).
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.
Claims must be reported within a maximum of 30 (thirty) calendar days from the date of the incident, accompanied by supporting documents or evidence to facilitate claim verification. Any costs incurred to obtain such documents are the responsibility of the Insured. All claims must include the Insured’s data as stated in the Policy.
Complete claim documents must be submitted to the Insurer via Cermati Protect within 30 (thirty) calendar days from the claim report. If the documents are incomplete after this period, the claim process cannot continue.
If within ninety (90) calendar days the Insured is unable to provide a valid bank account, or in the case of the Insured being a Foreign National (non-Indonesian citizen) without a local bank account, the Insured agrees that the approved claim payment will be transferred to tiket.com to be converted into Blibli Tiket Points.
The Insured is advised to carefully read all coverage and exclusion details in the BCAinsurance Policy.
The Insured authorizes BCAinsurance to use or provide information and/or details about the Insured that are available, obtained, or stored by BCAinsurance (as stated in the Coverage Request, Policy, or other insurance product documents) for the purpose of Coverage Request processing, claim payment, or servicing the Insured. The Insured also understands the right to correct or add information by contacting BCAinsurance.
The Insured authorizes BCAinsurance to use and/or provide information and/or details about the Insured related to the Policy under this Coverage Request, including but not limited to information regarding premiums.
Risks Policyholders Should Be Aware of When Purchasing Travel Insurance:

Cancellation Risk
If the Policy is canceled by the Insured before the end of the Insurance Period, the premium already paid by the Insured is non-refundable.
Credit Risk
The Insured is exposed to the Credit Risk of PT Asuransi Umum BCA as the risk underwriter of the insurance product. Credit risk relates to the company’s ability to fulfill its obligations to policyholders. PT Asuransi Umum BCA has successfully maintained performance above the minimum capital adequacy requirements set by the Government.
Operational Risk
Risk arising from insufficient and/or malfunctioning internal processes, human error, system failures, and/or external events affecting the operations of PT Asuransi Umum BCA.

29. A portion of the premium paid by the Insured or Policyholder is forwarded as commission to the marketing party for promoting the Insurance Product.

30. By purchasing this Travel Insurance product, the Insured confirms that they have read, understood, and agreed to all terms and conditions of the Travel Insurance product voluntarily and without any coercion from any party, including but not limited to BCAinsurance.

31. The Insured hereby agrees that all claim payments made by BCAinsurance will be disbursed through Cermati Protect. The Insured understands that all claim payments from BCAinsurance via Cermati Protect are final, complete, and conclusive, and cannot be contested by any party once the claim funds are received according to the Policy provisions. The Insured agrees to return any claim payment received from Cermati Protect if it is later found that fraud or other actions causing loss to BCAinsurance occurred.

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/arms	100%
Total and permanent blindness in both eyes	100%
Permanent partial or total loss of use of both legs/arms	100%
Total and permanent loss of speech and hearing	100%
Total and permanent loss of hearing:
In both ears	75%
In one ear	15%
Total and permanent loss of sight in one eye	50%
Loss of use of one leg/arm	50%

Notes:

Total and permanent must have occurred within 12 months from the date of injury or be proven to be a condition that cannot fully recover.
The maximum total amount payable for one or more injuries sustained by the Insured.

Flight Delay
The Insured is entitled to compensation of IDR 350,000 for every consecutive 2 (two) hours, up to a maximum of IDR 4,500,000 per Insurance Policy, if the Insured’s flight is delayed due to strikes/industrial action, bad weather, mechanical failure, or defects in the public transport vehicle. Any changes to the departure schedule (rescheduling) by the Airline are not covered under this Flight Delay benefit. Delay is calculated from the scheduled departure time of the relevant public transport.
Baggage Delay
The Insured is entitled to compensation of IDR 500,000, up to a maximum of IDR 3,000,000, if checked-in baggage is delayed, misrouted, or misplaced by the transportation company, for a minimum delay of 4 (four) consecutive hours after the Insured arrives at the baggage claim area at the destination airport.
Travel Cancellation
The Insured is entitled to a refund of up to the full cost of the travel ticket, up to IDR 100,000,000, if within 30 (thirty) calendar days (except for item c) before the departure date, any of the following occurs:
- Death, serious injury, severe illness, or mandatory quarantine of the Insured or the Insured’s Immediate Family.
- Strikes, riots, or civil unrest that are unexpected and beyond the Insured’s control at the travel destination.
- Severe damage to the Insured’s primary residence caused by fire, flood, or other natural disasters (typhoon, earthquake, etc.) within 7 (seven) calendar days before the departure date, requiring the Insured to be present at the residence on the departure date.
- Summons to appear as a witness or juror in court.
  
  Note:
  - This insurance does not cover flight cancellations due to a change of mind.
  - The Insurer will provide reimbursement up to the limits stated in the Summary of Coverage for loss of travel costs and/or accommodation (Unrefundable part): (1) that has been paid in advance by the insured; and (2) for which the insured is legally responsible; and (3) that cannot be recovered from any other source.

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 events occurring within 30 (thirty) calendar days (except for item c) before the departure date, as follows:

Death, serious injury, severe illness, or mandatory quarantine of the Insured or the Insured’s Immediate Family.
Strikes, riots, or civil unrest that are unexpected and beyond the Insured’s control at the travel destination.
Severe damage to the Insured’s primary residence caused by fire, flood, or other natural disasters (typhoon, earthquake, etc.) within 7 (seven) calendar days before the departure date, requiring the Insured to be present at the residence on the departure date.
Summons to appear as a witness or juror in court.

Note:
The Insurer will provide reimbursement up to the limits stated in the Summary of Coverage (Ikhtisar Pertanggungan) for:
- Amounts fully paid by the Insured for the original trip; and
- Amounts for which the Insured is legally responsible; and
- Amounts that cannot be recovered from any other source;
- The difference between the original flight cost and the replacement flight cost. The replacement flight must be comparable in flight type, class, and airline type;
- This insurance does not cover flight delay (by the passenger) due to a change of mind.

Loss/Damage of Baggage
The Insured is entitled to coverage up to IDR 5,000,000 for domestic trips and up to IDR 10,000,000 for international trips in the event of loss or damage to personal baggage carried or purchased by the Insured in suitcases, bags, or similar items.

All items must be the Insured’s personal property and not rented, borrowed, or entrusted items.
If the Insured’s property cannot be repaired, claims under this Policy will be treated as a total loss. For items that are part of a pair or set, BCAinsurance’s liability will not exceed the proportional value of that pair or set.
BCAinsurance may, at its sole discretion, provide reimbursement or repair/restore the item, taking into account wear and tear and depreciation.
Depreciation does not apply to electronic items purchased less than 1 (one) year before the incident if the Insured can provide supporting documentation (e.g., original purchase receipt or original warranty card) for the claim.
Loss must be reported immediately to the police or relevant authorities, such as hotel management and/or the transport company with jurisdiction at the location of the loss. All claims must be accompanied by written documentation from these authorities.

6. Missconnecting Flight
The Insured is entitled to compensation of up to IDR 5,000,000 if a confirmed connecting flight to continue the Insured’s journey cannot be boarded at the transfer point due to the scheduled transport used by the Insured arriving late as a result of the initial/previous flight being delayed, rescheduled, or canceled, and no other scheduled transport is available. In such cases, the Insurer will reimburse the accommodation expenses incurred by the Insured up to the limits stated in the Summary of Coverage (Ikhtisar Pertanggungan).

The accommodation referred to includes:

The cost of purchasing a new travel ticket.
Transportation costs between the airport and temporary accommodation, and vice versa.
Costs of temporary accommodation.
Food and beverage expenses while waiting for the replacement connecting flight.

1. General Claim Documents

Completed Claim Form (digital submission).
Copy of the Insured’s valid identification (KTP/Passport/Birth Certificate/KITAS).
Proof of airline ticket purchase from tiket.com.
Bank account number of the Insured or Beneficiary.

2. Specific Claim Documents
For processing a claim, you must provide the following supporting documents:

a. Personal Accident – Death & Permanent Disability (Softcopy)

Death: Official death certificate from the authorized authorities.
Missing Insured: Official report of the accident and termination of search from the relevant authorities.
Permanent Disability: Medical examination report (visum) from a doctor.
Other documents as required.

b. Flight Delay (Softcopy)

Proof of delay notification from the airline.
Other documents as required.

c. Baggage Delay (Softcopy)

Official letter from the airline stating the duration and reason for the delay.
Other documents as required.

d. Flight Cancellation (Softcopy)

Proof that the Insured or a close family member suffered a serious illness, severe injury, or death.
Copy of court summons if the Insured is called as a witness or jury member.
Proof of severe damage to the Insured’s primary residence.
Proof of strikes, riots, or unexpected civil damage beyond the Insured’s control at the travel destination.
Proof of payment for travel costs and statement of non-refundable travel expenses.
Other documents as required.

e. Flight Delay (by passenger) (Softcopy)

Proof that the Insured or a close family member suffered a serious illness, severe injury, or death.
Copy of court summons if the Insured is called as a witness or jury member.
Proof of severe damage to the Insured’s primary residence.
Proof of strikes, riots, or unexpected civil damage beyond the Insured’s control at the travel destination.
Proof of payment for travel costs and statement of non-refundable travel expenses.
Other documents as required.

f. Loss/Damage Baggage (Softcopy)

Statement from the airline confirming that the loss or damage is under the airline’s responsibility.
Statement from the relevant authority if baggage is lost in a public area.
Evidence of compensation provided by the airline (if baggage was lost while under airline responsibility).
A photo showing the damage.
Proof of Baggage Ownership: If original proof is not available, it can be replaced with:
- Quotation/invoice for the same baggage at the time of the incident; or
- Statement from the Insured containing the purchase date, purchase price, place of purchase, as well as the type and brand of the claimed baggage.
Other documents as required.

g. Missconnecting Flight (Softcopy)

Invoice for accommodation issued by the Insured.
Other documents as required.

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?
This protection can be obtained at the time or after you purchase a flight ticket through the tiket.com app or website.
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?
Yes, this protection can be purchased together with your airplane ticket or through the My Orders page.
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.