Product Overview This product is a dedicated Personal Accident Insurance Policy underwritten by Asuransi Simas Insurtech (100%). It is designed specifically to protect the named renter of a WAHDAH vehicle against financial loss resulting from bodily injury, disablement, or death caused by an accident while inside the rented vehicle.

Table of Benefits The following limits apply per individual, per period of insurance:

• Accidental Death (Benefit A):

  • Basic: Rp 100,000,000 | Premium: Rp 200,000,000

• Accidental Permanent Disablement (Benefit B):

  • Basic: Rp 100,000,000 | Premium: Rp 200,000,000

• Medical Expenses Reimbursement (Benefit D):

  • Basic: Rp 10,000,000 | Premium: Rp 20,000,000

• Damage/Loss to Personal Belongings: Coverage for items damaged directly by a covered accident (limit Rp 500,000 per item).

  • Basic: Maximum Rp 1,000,000 | Premium: Maximum Rp 2,000,000

Extension Benefits Included Subject to the terms of the Master Policy, this protection extends to injuries caused by:

• Riot, strike, and civil commotion

• Bomb threat, hijack, murder, and assault

• Exposure and disappearance

• Suffocation by smoke, poisonous fumes, gas, and drowning

• Terrorism and sabotage

Key Coverage Conditions & Subjectivities To ensure your coverage remains valid, the following conditions must be met:

1. Vehicle Occupancy: The injury must occur while the insured is inside the WAHDAH rental vehicle.
2. Valid Licensing: The driver must possess a valid Indonesian Driver's License (SIM) and comply with all laws at the time of the incident.
3. Identification: A valid ID/KTP is required. One KTP/ID can only be used for one claim.
4. Duration: The maximum rental period per certificate is 60 days. Rentals exceeding 2 months require the issuance of a new certificate.
5. Exclusions: Motorcycle usage is strictly excluded. Evacuation and Repatriation services are strictly excluded.

How to File a Claim If you are involved in an accident, seek medical attention immediately. You must notify Sinarmas in writing within 5 (five) calendar days of the incident. To ensure a smooth process, please email support@wahdah.id with the following original documents:

• Completed Claim Form & Chronological Event Form

• Copy of Identity Card (KTP) / Passport and valid Driver's License (SIM)

• Official Police Report (STPL) regarding the traffic accident

• Medical Certificate or Visum et Repertum

• Original medical receipts and cost breakdowns (for Medical Expense claims)

• Photographic proof (for Permanent Disablement or damaged belongings)

• Death Certificate and Statement of Heirs (for Accidental Death claims)