Hotel Multi-insurance

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What is Hotel Multi-insurance?

Hotel Multi-insurance is a travel insurance from tiket.com that provides extra protection from unexpected events during your stay at the hotel.

This insurance covers any accidents or inconveniences, including booking cancellations, loss of room reservations, loss or damage to personal items, evacuation due to force majeure, legal liability to third parties, and damages to your house due to disasters or robbery, that may occur throughout your holiday away from home.

To add insurance to your hotel booking, change your currency option to IDR before transacting.

Multi-insurance Hotel Products

Stay Protection

Guarantees unexpected events during your stay such as booking cancellations, lost items, accidents, etc.

Read the details

Home Protection

Additional insurance to protect your home from burglary and natural disasters during your stay.

Read the details

How To Get the Stay and Home Protection

1. Find a place to stay

Open your tiket.com application, then go to the Hotel or Homes menu. Enter the required details and select “Let's Search”.

2. Choose accommodation and room

Click one of the places to stay, select an available room, and then continue your booking.

3. Choose the protection

Fill in all the required details on the Booking Form page. Then, select the insurance you need in the Extra Protection section.

4. Complete the payment

If all the data has been filled out correctly, continue to payment and complete your transaction.

How to Claim the Stay and Home Protection

1. Go to My Order

In the My Order section, you can choose the order with Extra Protection that you want to claim.

2. Select the protection type

On the order, select the type of Extra Protection you want to claim, then select “Request Claim”.

3. Complete the form

Fill in the form according to the claim you want to submit. Make sure the data is correct and complete, then click “Submit Form”.

4. Submission completed

The insurance provider will review the claim submission. Updates regarding claim submissions will be sent via email.

This Insurance Product applies to stay at domestic and international Hotel, also covers the Insured's losses while in the accommodation area, both inside and outside the Hotel area during the stay period.
tiket.com Users can also purchase additional Home Protection while buying Stay Protection on the tiket.com platform, with the protection period starting from the Insured check-in for up to next 7 days. The insurance premium will be based on the number of hotel rooms booked with the maximum coverage which can be seen in the Benefits Table.
This Insurance Policy is applicable for Indonesia Citizens (WNI) and Foreign Citizens (WNA) with the age of at least of 3 (three) months up to at the most of 75 (seventy-five) years at the time of stay period. Foreign Citizens (WNA) that can be covered is a person who has Passport or KITAS/KITAP (Kartu Ijin Tinggal Terbatas/Tetap).
For children under the age of 18 (eighteen) years, they must be accompanied by family or people who have the authority to accompany the child while stays.
Home Protection shall only apply to houses owned by the Insured which are located in the territory of Indonesia.
If the Insured makes changes to the initial coverage before the stay period begins, including changes to guest names and/or rescheduling, then changes to the Insurance Policy can only be made for the name of the guest and the insurance cover period, while the duration of coverage, amount of coverage and insurance premium will follow the original Insurance Policy.
Change of guest names and/or rescheduling can only be done no later than 2 (two) calendar days before the initial check-in date.
The Insurance premium is non-refundable for any reason.
The Insurance Policy will be sent in an electronic form through email.
Subject to room availability and/or hotel partner policies, rebooking due to Loss of Booking Reservation can only be made for the same type of rooms or 1 (one) level above.
Especially for the coverage of Loss of Booking Reservation, Insurance will make a claim payment directly to tiket.com then to be forwarded to the Hotel concerned, because the insured has received compensation directly from the Hotel.

Stay Protection and Home Protection are Insurance Products which are available in tiket.com platform as published by PT. Great Eastern General Insurance Indonesia (Great Eastern General Insurance) and already obtained permission and under the authorization of Financial Services Authority (Otoritas Jasa Keuangan) under the name Personal Accident and Travel Insurance.
The insured is an individual who is listed in the Insurance Policy or family or other party who jointly occupies the booked room which has an interest in something insured based on Stay Protection so that they have the right to get insurance protection from possible risks that may occur.
Claim submission must be submitted within 7 (seven) calendar days after the date of the accident or as soon as possible after the accident by the Insured along with the supporting documents or evidence to expedite the verification process. Any costs incurred in obtaining such documents or evidence are under the Insured responsibility.
Claim reports can be done through www.tiket.com, m.tiket.com, and tiket.com application (Android and iOS) or through Live chat via WhatsApp at +62 815 8500 9500 (Monday-Friday at 09:00-18:00 WIB, except public holidays) or go to https://www.cermati.com/pusatklaim/tiket-hotel/hotel/.
Parties entitled to report claim and entitled to claim payment are the Insured whose name are stated in the Insurance Policy or their heirs.
Claim will be paid by Great Eastern General Insurance to the Insured at maximum of 7 (seven) working days after the claim is approved by Great Eastern General Insurance.
tiket.com does not manage the premium and only acts as an intermediary between the user and PT Fokus Solusi Proteksi (Cermati Protect) as an insurance broker and Great Eastern General Insurance as an insurance company through the website or application.
tiket.com may, without prior notice, take actions upon fraudulent action by the user of tiket.com.
By purchasing this Insurance Product, the Users agree to the terms and conditions established by Great Eastern General Insurance, including but not limited to Great Eastern General Insurance and tiket.com decisions. These Terms and Conditions can be adjusted if deemed necessary.
The Insured is strongly advised to read carefully the entire explanations regarding the coverage and exclusions contained in the Insurance Policy from Great Eastern General Insurance.
Stay Protection and Home Protection is not a product from tiket.com and tiket.com is not liable for any responsibility and claim and any risks arise from this product. tiket.com does not have a responsibility against the Insurance Policy issued by Great Eastern General Insurance.
This Terms and Conditions is made in Bahasa Indonesia version and English version, in the event of different interpretation between English and Bahasa Indonesia version, the Bahasa Indonesian version shall prevail.

1. What is Stay Protection and Home Protection?

Stay Protection and Home Protection are Insurance Products made specifically for users of tiket.com that provides protection for unexpected events such as accidents or inconveniences that occur while you are staying at the hotel, such as: booking cancellation, loss of booking reservation, loss or damage to personal items, evacuation due to force majeure, tenant / guest liability, also damage to the Insured’s house due to disasters or robbery. You can also buy additional Home Protection while buying Stay Protection, with the protection period starting from the Insured check-in until next 7 (seven) calendar days.

2. How can I purchase Stay Protection and Home Protection?

The Insurance Product can be purchased when booking a hotel room through www.tiket.com, m.tiket.com or tiket.com application (IOS & Android).

3. Who can purchase Stay Protection and Home Protection?

The Insurance Product is applicable for Indonesia Citizens (WNI) or foreign citizens (WNA) with the age of at least of 3 (three) months and/or at the most of 75 (seventy-five) years at the time of stay period. Foreign Citizens (WNA) that can be covered this protection is the one who has Passport or KITAS/KITAP (Kartu Ijin Tinggal Terbatas/Tetap). For children under the age of 18 (eighteen) years, they must be accompanied by family or people who have the authority to accompany the child while stays.

4. How much premium do I have to pay to get Stay Protection and Home Protection?

The Insurance Premium would depend on the location (domestic or international), number of guest, number of rooms and number of nights of your hotel booking from www.tiket.com, m.tiket.com or tiket.com application (IOS & Android). Where for room with a capacity of more than 2 Insured adults + children, a prorate premium will be calculated. The premium that you pay in the order form is the total price of insurance premium and administrative cost which is final.

5. Can I add Stay Protection benefits?

No. Your Stay Protection benefits is a fixed benefit insurance and cannot be added/enhanced. Except for the Home Protection, you can add for an additional coverage by paying an additional premium.

6. What are Stay Protection and Home Protection benefits?

Details of benefit can be seen in the Insurance Benefits section and in the Insurance Policy which you will receive through email.

7. I booked a hotel room at tiket.com, but I missed to buy the Stay Protection and Home Protection. Can I buy it separately?

No. Stay Protection and Home Protection can only be purchased at the same time as booking a hotel room.

8. I must cancel my hotel room reservation. Will I get a refund for My insurance?

Stay Protection and Home Protection can be cancelled but there will be no refund insurance premium for any reason. Please make sure You read and understand the insurance terms and conditions before purchasing this Insurance Product.

9. How can I submit a claim?

Claim submission can be done through Great Eastern General Insurance customer claim contact center at 021-5723737 ext. 204/223 (Monday – Friday at 09.00 AM – 05.00 PM, except Public Holiday) or go to https://www.cermati.com/pusatklaim/tiket-hotel/hotel/.

10. Is there a timeline for submitting a claim?

The claims must be submitted from the Insured no later than 7 (seven) calendar days after the date of the accident or as soon as possible after the accident occurred accompanied by claim documents and/or other evidence required by Great Eastern General Insurance to facilitate the process of claim verification. All costs incurred in obtaining documents or evidence are the responsibility of the Insured.

11. How much time needed to process a claim payment?

Payment will be processed within 7 (seven) working days after the claim is approved by Great Eastern General Insurance.