Klausul Asuransi Perjalanan / Travel


Jenis penyakit kronis yang dimaksud antara lain, Asma, Bronchitis, TBC, Fistulae Anal, Batu Empedu, Batu Ginjal, Hipertensi (darah tinggi), Stroke, Penyakit Jantung dan Pembuluh Darah, Gastric Ulcer, Tumor, Diabetes Melitius, Hernia, Endometriosis, Wasir, Tonsilitis, Kelainan Nasal Septum, Hyperthyroidsm, Cataracts, Glukoma, Sinusitis,Epilepsy dan segala jenis penyakit yang secara medis dinyatakan sebagai penyakit kronis.




The next time you are traveling and would need medical assistance, remember to call the phone on the back of your BLUE DOT Assistance card. Be sure to carry the card with you when traveling. One simple call puts you in handled promptly, and will even coordinate with you medical benefit plan.


BLUE DOT Assistance cannot be held responsible for failure to provide services or for delays caused by strikes or conditions beyond its control including, but not limited to, flight conditions, or where rendering of services is prohibited by local law or edict.


BLUE DOT Assistance   is not responsible and cannot be held liable for any malpractice perfommed by a local physician or attomey who is not employee of BLUE DOT Assistance. While assistance services are available worldwide, transportation response time is directly related to the location / jurisdiction where event occurs.   





Notwithstanding any provision to the contrary within the insurance or any endorsement thereto it is agreed that this insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

For the purpose of this endorsement an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and /or to put the public, or any section of the public, in fear.

This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.


If the Underwriter allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Assured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.





1.     Electronic Data Exclusion

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows :

a)            This Policy does not insure loss, damage, destruction, distortion, erasure, corruption or alteration of ELECTRONIC DATA from any cause whatsoever (including but not limited to COMPUTER VIRUS) or loss of use, reduction in  functionality, cost, expense of whatsoever nature resulting therefrom, regardless of any other cause or event contributing or in any other sequence to the loss.


ELECTRONIC DATA means facts, concepts and information converted to a form useable for communication, interpretation or processing by electronic and electromechanical data processing or electronically controlled equipment and includes programmes, software and other coded instructions for the processing and manipulation of data or the direction and manipulation of such equipment.


COMPUTER VIRUS means a set of corrupting, harmful or otherwise unauthorized instructions or code including a set of maliciously introduced unauthorized instructions or code, programmatic or otherwise, that propagate themselves through a computer system or network of whatsoever nature. COMPUTER VIRUS includes but is not limited to 'Trojan Horses' and 'worms' and 'time and logic bombs'


b)            However, in the event that a peril below results from any of the matters described in paragraph a) above, this Policy, subject to all its terms, conditions and exclusions, will cover physical damage occurring during the Policy period to property insured by this Policy directly caused by such listed peril.


Listed Perils

·         Fire

·         Explosion


2.     Electronic data Processing Media Valuation

Notwithstanding any provision to the contrary within the Policy or any endorsement thereto, it is understood and agreed as follows :


Should electronic data processing media insured by this Policy suffer physical loss or damage insured by this Policy, than the basis of valuation shall be the cost of the blank media plus the costs of copying the ELECTRONIC DATA from back-up or from originals of a previous generation. These costs will not include research and engineering nor any costs of recreating, gathering or assembling such ELECTRONIC DATA. If the media is not repaired, replaced or restored the basis of valuation shall be the cost of the blank media. However this Policy does not insure any amount pertaining to the value of such ELECTRONIC DATA to the Assured or any other party, even if such ELECTRONIC DATA cannot be recreated, gathered or assembled




It is agreed and understood that otherwise subject to the terms, exclusions, provisions and conditions contained in the Policy or endorsed thereon, the Insurers shall not indemnify the Insured for loss, damage or liability directly or indirectly caused by or resulting from Terrorism and Sabotage.


Notwithstanding anything which may be defined in any laws or regulations to the contrary, for the purpose of this exclusion all terminology printed in bold-italics shall be defined as follows.


Terrorism is an act by any person using force to create public fear in an attempt to achieve a goal which according to public opinion has a political background.


Sabotage is a destructive  act against property or the obstruction of work, process or causing the reduction in value of work, by any person in an attempt to achieve a goal which according to public opinion has a political background.




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