Our Service
Comprehensive Insurance Solutions
Makoto Mitra Asuransi hadir untuk membantu klien memahami risiko, menentukan kebutuhan perlindungan, dan mendapatkan dukungan sepanjang perjalanan perlindungan mereka.
Health Insurance
Why Do Companies Need Supplemental Health Insurance?
- Deductibles/Co-payments
- Patented drugs not on the National Formulary
- Medical devices and procedures not covered by BPJS Kesehatan
- Wellness Program
- Quarterly Report
- Claims statistics (number, type, cost)
- Utilization trends (inpatient vs. outpatient, preventive care usage)
- Risk Control
- Health insurance helps companies avoid sudden, unplanned medical bills for employees
- By transferring medical risk to the insurer, companies can forecast expenses more accurately
Personal Accident Insurance
Personal Accident Insurance (PAI) is still needed even if employees already have BPJS Kesehatan, because BPJS has limitations in scope, benefits, and flexibility
PAI provides direct cash benefits for death, permanent disability, or medical expenses due to accidents regardless of whether it’s traffic, work, or personal
PAI usually pays out faster and can cover private hospitals or costs beyond BPJS limits.
PAI offers lump-sum compensation that can be used freely (medical bills, family support, income replacement)
Travel Insurance
Travel Insurance is necessary because it protects both the organization and its employees from unexpected financial risks during business trips
Covers reasonable expenses for meals, accommodation, and local transportation when flights are delayed beyond the specified hours in the policy
Reimburses prepaid travel costs if you cannot travel due to approved reasons (e.g., illness, accident, natural disaster, or other covered events)
Provides reimbursement for lost or stolen luggage and personal items
Vehicle Insurance
Insurance that provides protection against the risk of vehicle damage or loss due to accidents, theft, or other risks in accordance with the terms of the policy
Covers repair or replacement costs if the vehicle is damaged due to collision, overturning, skidding, or other accidents
Provides compensation if the vehicle is stolen, whether through burglary, robbery, or hijacking.
- Compensation for damages caused during unrest or mass disturbances
- Coverage for losses due to terrorist attacks, subject to policy terms
- Protection against damage caused by floods, landslides, or other covered natural events
Property Insurance
Why Do Companies Need Property Insurance?
Covers losses or damages caused by fire, lightning strikes, explosions, and falling objects
Provides compensation for damages due to floods, storms, and typhoons.
Safeguards against the loss of valuable assets or belongings inside the property
Marine Cargo Insurance
Why Do Companies Need Marine Cargo Insurance?
Covers loss or damage to goods during sea, air, or land transportation.
Provides compensation if cargo is stolen or tampered with during shipment
Protects against damages caused by storms, floods, lightning, or other natural disasters during transit
Let's Find the Right Protection for You
Konsultasikan kebutuhan asuransi Anda bersama Makoto Mitra Asuransi dan temukan solusi perlindungan yang sesuai dengan kebutuhan serta risiko Anda.