About Zurich Insurance: From Pricing to How to File a Claim

30 May 2025

When traveling abroad, there are always unexpected situations. To stay protected, travel insurance is the answer. Zurich Insurance is ready to protect you from flight cancellations, lost baggage, to medical expenses overseas. The premium is very affordable, starting from just Rp50,000/month! Let’s explore the types, coverage, and how to submit a claim below!

Discover Zurich’s Policy Types, Coverage Options, and Packages

Zurich Insurance offers flexible protection that can be tailored to your travel needs.

Policy Type Options:

  • Single Trip: Covers you from the moment you leave Indonesia until you return.
  • One-Way Trip: For those who do not plan to return to Indonesia.
  • Annual Trip: Cost-effective protection for those who travel regularly each year.

Insured Type Options:

  • Individual: Coverage for one person.
    Duo Plus: Coverage for two or more people traveling together.
    Family: Covers father, mother, and children (with no maximum limit on the number of children).

Explore Zurich Insurance Packages (Prime, Edge, Lite)

Zurich now offers three latest packages with coverage limits adjusted to your age and protection needs. Here’s a summary of the main benefits:

Category Benefits Prime Edge Lite
Emergency Medical and Assistance (Including COVID-19) Emergency Medical Evacuation and Repatriation Actual Cost Actual Cost Actual Cost
Medical Expenses Aged 65 and below: IDR 2,500,000,000Aged 66-75: IDR 700,000,000Aged 76 and over: IDR 250,000,000 Aged 65 and below: IDR 1,000,000,000Aged 66-75: IDR 500,000,000Aged 76 and over: IDR 250,000,000 Aged 65 and below: IDR 700,000,000Aged 66-75: IDR 350,000,000Aged 76 and over: IDR 250,000,000
Hospital Daily Benefit IDR 1,000,000/day, max IDR 20,000,000 IDR 1,000,000/day, max IDR 15,000,000 IDR 500,000/day, max IDR 5,000,000
Emergency Telephone Charges IDR 5,000,000 IDR 5,000,000 IDR 2,500,000
Post Treatment Care IDR 25,000,000 IDR 25,000,000 IDR 20,000,000
Companion Travel Cost IDR 45,000,000 IDR 45,000,000 IDR 30,000,000
Return of Children IDR 45,000,000 IDR 45,000,000 IDR 30,000,000
Personal Accident Accidental Death and Permanent Disablement Aged 18 and below: IDR 150,000,000Aged 19-65: IDR 1,500,000,000Aged 66-75: IDR 750,000,000Aged 76 and over: IDR 375,000,000 Aged 18 and below: IDR 125,000,000Aged 19-65: IDR 1,250,000,000Aged 66-75: IDR 625,000,000Aged 76 and over: IDR 312,500,000 Aged 18 and below: IDR 50,000,000Aged 19-65: IDR 500,000,000Aged 66-75: IDR 250,000,000Aged 76 and over: IDR 125,000,000
Child Education Fund IDR 50,000,000/childmax IDR 100,000,000 IDR 37,500,000/childmax IDR 75,000,000 IDR 25,500,000/childmax IDR 50,000,000
Credit Card Indemnity IDR 10,000,000 IDR 7,500,000 IDR 5,000,000
Study Interruption - - -
Sponsor Protection - - -
Leisure Activities Cover Covered Covered Covered
Terrorism Cover Covered Covered Covered
Travel Assistance Repatriation of Mortal Remains Actual Cost Actual Cost Actual Cost
Compassionate Death Visit IDR 35,000,000 IDR 35,000,000 IDR 20,000,000
Funeral Expenses IDR 10,000,000 IDR 10,000,000 IDR 10,000,000
Personal Liability IDR 2,500,000,000 IDR 1,500,000,000 IDR 1,000,000,000
Legal Expenses IDR 250,000,000 IDR 250,000,000 IDR 150,000,000
Zurich Emergency Road Assistance - - -
FlyEasy Covered Covered -
Travel Inconvenience Trip Cancellation & Alteration IDR 65,000,000 IDR 50,000,000 IDR 35,000,000
Trip Curtailment IDR 45,000,000 IDR 35,000,000 IDR 15,000,000
Trip Interruption IDR 5,000,000 IDR 5,000,000 IDR 5,000,000
Travel Delay IDR 1,000,000/4hrsmax IDR 4,000,000 IDR 750,000/4hrsmax IDR 3,750,000 IDR 500,000/4hrsmax IDR 3,000,000
Missed Flight Connection IDR 10,000,000 IDR 7,500,000 IDR 5,000,000
Flight Diversion IDR 10,000,000 IDR 7,500,000 IDR 5,000,000
Hijack IDR 10,000,000 IDR 10,000,000 IDR 5,000,000
Loss of Hotel Reservation IDR 5,000,000 IDR 3,000,000 IDR 2,000,000
Special Events IDR 5,000,000 IDR 5,000,000 IDR 5,000,000
Missed Study Events - - -
Rental Vehicle Own Risk IDR 10,000,000 IDR 10,000,000 IDR 5,000,000
Credit Fraud Coverage IDR 10,000,000 IDR 10,000,000 IDR 3,500,000
Personal Property Baggage Delay IDR 1,000,000/4hrsmax IDR 3,000,000 IDR 750,000/4hrsmax IDR 2,250,000 IDR 500,000/4hrsmax IDR 1,500,000
Baggage and Personal Belongings IDR 30,000,000 IDR 25,000,000 IDR 15,000,000
Loss of Personal Money IDR 5,000,000 IDR 3,500,000 IDR 3,000,000
Loss of Travel Document and Payment Card IDR 10,000,000 IDR 7,500,000 IDR 5,000,000
House Protection IDR 20,000,000 IDR 15,000,000 IDR 12,000,000
Overseas Residence Guard - - -

Explore Zurich Insurance Coverage Areas Across the Globe

Coverage Category Package Type Country Coverage
International Annual Prime, Edge, Lite All countries worldwide.
Asia Individual Lite, Individual Edge, Individual Prime, Groupe Lite, Groupe Edge, Groupe Prime, Family Lite, Family Edge, Family Prime Bangladesh, Bhutan, Brunei Darussalam, Cambodia, China, Hong Kong, India, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Saudi Arabia, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor Leste, Turkmenistan, Uzbekistan, Vietnam, Armenia, Azerbaijan, Bahrain, Cyprus, Georgia, Indonesia, Iraq, Israel, Jordan, Kuwait, Oman, Qatar, United Arab Emirates, Turkey
Europe Individual Lite, Individual Edge, Individual Prime, Groupe Lite, Groupe Edge, Groupe Prime, Family Lite, Family Edge, Family Prime Austria, Bulgaria, Belgium, Czech Republic, Croatia, Denmark, Estonia, France, Finland, Germany, Greece, Iceland, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Albania, Andorra, Bosnia and Herzegovina, Faroe Islands, Gibraltar, Jersey, Moldova, Monaco, Montenegro, North Macedonia, San Marino
International Individual Lite, Individual Edge, Individual Prime, Groupe Lite, Groupe Edge, Groupe Prime, Family Lite, Family Edge, Family Prime Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Benin, Bhutan, Bosnia and Herzegovina, Brazil, Brunei Darussalam, Bulgaria, Cambodia, Chile, China, Colombia, Croatia, Cyprus, Czech Republic, Democratic Republic of the Congo, Denmark, Dominican Republic, Ecuador, Egypt, El Salvador, Estonia, Fiji, Finland, France, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Laos, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Maldives, Malta, Mauritius, Mexico, Moldova, Monaco, Mongolia, Montenegro, Morocco, Myanmar, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Korea, North Macedonia, Norway, Oman, Pakistan, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Saint Kitts and Nevis, Saint Lucia, San Marino, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Tajikistan, Thailand, Timor Leste, Tunisia, Turkey, Turkmenistan, Ukraine, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vietnam, Europe, International
Domestic Individual Joy, Individual Boost, Duo Plus Boost, Duo Plus Joy, Family Joy, Family Boost Indonesia

How to Claim Zurich Travel Insurance Easily and Smoothly

To submit a Zurich Insurance claim, there are procedures and documents that must be fulfilled depending on the type of incident experienced. Make sure you follow each step correctly so the claim process runs smoothly.

Prepare Your Essential Documents First

Some basic documents that must always be prepared for every claim submission include:

  • Completed claim form
  • Chronology of the incident (if not stated in the form)
  • Original boarding pass
  • Copy of travel tickets (round trip)
  • Copy of passport (personal data page & immigration stamp)
  • Copy of bank book (identity page & account number)

Documents You Need for Zurich Insurance Claims

In general, the documents required to submit a Zurich Insurance claim are quite similar, although the details will be adjusted based on the type of claim submitted.

Here are the documents you usually need to prepare:

  • Completed claim form
  • Chronology of the incident
  • Copy of identification (ID card & passport)
  • Travel tickets and boarding pass
  • Proof of travel-related payments (tickets, hotels, etc.)
  • Proof of incident (such as doctor’s letter, police report, or airline statement)
  • Proof of expenses or losses (invoice, receipt, etc.)
  • Bank account details for the claim disbursement

In general, these documents serve as the basis for the insurance company’s claim verification process.

Important Notes You Should Know

Each type of claim, whether it is trip cancellation, medical expenses, baggage delay, or accidents, has additional and more specific document requirements.

However, you don’t need to worry, because after the initial submission, Zurich will usually provide further guidance on what documents need to be completed based on your case.

Tips to Make Your Claim Process Smoother

  • Keep all transaction proofs and travel documents from the beginning
  • Document the incident (photos, reports, etc.) as soon as possible
  • Submit the claim no later than 30 days after the incident
  • Complete all documents within a maximum of 90 days after the incident

Travel with Peace of Mind Using Zurich Insurance

In the end, having travel insurance like Zurich is not just about protection, but also about giving you peace of mind throughout your journey. By understanding the types of coverage, benefits, and how to submit a claim, you can be better prepared for any unexpected situations.

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