a. Insurance Object and Coverage

The insured objects are official guests of PT Sea Marine Industry registered for the tour. Coverage Period: 24 hours during the official tour period as stated in the booking/manifest. Covered Activities: recreational and adventure activities in Indonesia including, but not limited to: snorkeling, diving up to 30 meters (with certified divers or under instructor supervision), trekking, sailing, island tours, and similar activities operated or coordinated by the Operator. Not Covered: professional/competitive activities, competition training, or activities outside the official tour program or that violate safety instructions.

b. Benefits (Summary)

Accidental death.
Total/partial permanent disability (according to the insurance company's disability scale, e.g., Zurich Indonesia).
Medical expenses due to accident.
Emergency medical evacuation & repatriation of remains.
Funeral expenses.
Transportation costs.

Note: Benefit limits/amounts are not listed here and are governed by the Insurance Policy Certificate issued by the insurance company. These Terms & Conditions refer to that document as the official source for limits, sub-limits, deductibles, waiting periods, and exclusions.

c. Terms & Exclusions (Summary)

Coverage only applies to registered guests in the final manifest and for activities conducted in accordance with safety briefings, local regulations, and standard operating procedures. Pre-existing conditions, non-accident illnesses, intoxication, illegal acts, and activities outside the official schedule are not covered. Guests must follow crew/guide instructions and use required safety equipment; failure to do so may void insurance coverage.

d. Claims & Procedures

Claim Notification: Guests (or their representatives) must notify the Operator as soon as possible and provide required documents (incident reports, medical records, receipts, proof of identity/booking). Assistance: The Operator will assist with initial coordination with the insurance company/assistance provider; however, claims will be assessed and settled directly by the insurance company in accordance with policy terms. Authority: The Insurance Certificate/Policy and General Terms & Conditions from the insurance company have the highest legal authority in case of interpretation differences.

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