Enjoy a more worry-free journey with Travel Insurance from the Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card, in partnership with PT Zurich Asuransi Indonesia Tbk. This cover helps protect you against various risks whilst travelling, including protection against unforeseen risks such as travel accidents and travel inconveniences.

General Terms and Conditions
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  1. Travel insurance cover is valid worldwide (domestic and international) for trips lasting no longer than 180 calendar days from Indonesia.
  2. The domestic cover limit is 50% of the initial limit.
  3. Age limit: 18 to 70 years.
  4. For those aged 71–80, accident and medical expenses are limited to 50% of the initial limit.
  5. Coverage does not apply if the journey does not commence in Indonesia.
  6. Applies to credit cardholders, including their spouse and children.
  7. Travel insurance benefits do not apply if the credit cardholder is not travelling with their spouse or children.
  8. Travel accident insurance applies whilst travelling to the destination city.
  9. Personal accidents and lost luggage cover are only provided whilst the insured person is on board international public transport.
  10. Not valid for risks arising from COVID-19.
  11. Coverage is per journey; the travel inconvenience benefit applies to only one claim per use of a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card as the payment method for the flight.
  12. Cover for personal belongings in the event of loss is subject to the items having been purchased using a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card during the trip. No cover is provided for items purchased outside the travel period.
  13. Claims must be reported no later than 30 (thirty) calendar days from the date of the incident giving rise to the claim.
  14. The required claim documents must be submitted no later than 90 calendar days from the date of the incident giving rise to the claim.
  15. The total amount of compensation received by the customer depends on the outcome of the insurer’s claim assessment.

Frequently Asked Questions (FAQ)
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  1. Before submitting a claim, please ensure that the transaction was made using a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card, and not any other card. Please ensure that all travel transactions for which you wish to submit a claim were made using a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card to ensure that the claim can be processed.
  2. Is travel cover only provided if the flight ticket is purchased using each registered credit card?
    Yes, travel cover is only provided if the flight ticket is purchased using each credit card registered with American Express® and Mastercard®.
  3. How do I make a claim for my trip?
    Initial claims can be made via Hello Danamon by telephone on 1-500-090 or through your Bank Danamon Credit Card Relationship Manager.
  4. How do I contact Hello Danamon?
    You can contact Hello Danamon by telephone on 1-500-090 or by email at hellodanamon@danamon.co.id.
  5. Are only journeys originating in Indonesia covered?
    Yes, journeys originating in Indonesia are covered. No cover will be provided if the journey originates outside Indonesia.
  6. Are spouses and children covered when travelling with the cardholder?
    Spouses and children are covered when travelling with the cardholder to the same destination and during the same travel period. No cover will be provided if the spouse or children are travelling independently.
  7. Is the Danamon Charge Card bearing the American Express® logo valid for both international and domestic travel?
    Yes, the Danamon Charge Card bearing the American Express® logo is valid for both international and domestic travel, with the benefit limit for domestic travel set at 50% of the original limit.
  8. Are the Danamon Mastercard World Elite™ or Corporate® credit cards valid only for international travel?
    Yes, the Danamon Mastercard World Elite™ or Corporate® credit cards are valid only for international travel (no cover is provided in Indonesia).
  9. What is the time limit for submitting a claim for a Flight Delay?
    A flight delay claim can be submitted if the flight is delayed by more than 4 hours.
  10. What is the time limit for submitting a claim for a Missed Flight Connection?
    A Missed Flight Connection claim can be submitted if a connecting flight is missed by more than 4 hours, with a one-time allowance provided.
  11. What is the time limit for submitting a Baggage Delay claim?
    A Baggage Delay claim may be submitted if baggage is delayed by more than 6 hours, with a one-off compensation payment (one-time allowance).
  12. What is the time limit for submitting a Checked-in Baggage Lost claim?
    A claim for Checked-in Baggage Lost can be made if the checked-in baggage has been missing for more than 48 hours, with a one-off payment (one-time allowance).
  13. If a customer holds a Zurich personal travel insurance policy, can they make a double claim?
    No, customers cannot make a double claim. Customers may choose to make a claim under the policy offering the highest level of cover from among the insurance policies they hold.
  14. Do the benefits of personal accident and lost luggage insurance only apply whilst the insured person is on international public transport?
    Yes, cover under the Personal Accident and Baggage Loss Insurance only applies if the incident occurs whilst the insured person is on public transport. Public transport refers to transport services that operate on a scheduled basis and use a ticketing system. Tickets must be purchased using a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card.
  15. Can a claim for the loss of personal shopping items be made if the loss occurs in the destination country?
    Yes, a claim for the loss of personal shopping items can be made if the loss occurs in the destination country, provided that the lost or damaged items were purchased using a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card during the trip. No cover will be provided for items purchased outside the travel period. Furthermore, claims must include:
    1. A report from the local police / the airline / the hotel / the relevant authority.
    2. The purchase invoice for the items.
    3. Proof of ownership of the items
  16. What documents are required to submit a claim?
    The documents required to submit a claim include:
    1. A fully completed claim form (attached).
    2. Proof of purchase of an airline ticket using a Danamon Charge Card bearing the American Express® logo, a Danamon World Elite™ Mastercard® Credit Card or a Danamon Mastercard® Corporate Credit Card.
    3. A photocopy of the travel ticket or boarding pass.
    4. A photocopy of your passport bearing an immigration stamp.
    5. Other supporting documents depending on the type of claim (e.g. a medical report for medical claims, a police report for lost property claims, etc.).
  17. How long does the claims process take?
    The time taken for the claims process may vary depending on the completeness of the documentation and the complexity of the claim. However, the claims process usually takes around 14 working days once all the necessary documents have been received.
  18. Is there a time limit for submitting a claim?
    Yes, claims must be submitted no later than 30 days after the incident giving rise to the claim.

Travel Insurance Claims Process
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  1. Claims must be reported no later than 30 (thirty) calendar days from the date of the incident giving rise to the claim.
  2. Upon the occurrence of a claim, the credit cardholder must contact Hello Danamon on 1-500-090 or The Premium Card Service (for holders of the Danamon World Elite™ Mastercard® Credit Card and the Danamon American Express® Platinum Card) and submit the required documents or information to:
  3. The documents that must be submitted to the insurer are:
    • Photocopies of the first page of the passport and the page showing the immigration stamps for the dates of departure and return
    • A photograph of the front page of the insured person’s savings book and a letter of authorisation (if the account number is not in the insured person’s name)
    • A completed claim form
    • A chronological account of the incident (if not included in the claim form)
    • Photographs of the ticket and boarding pass, bearing immigration stamps showing the dates of departure and arrival (for international travel)

Claim Form Download

Download claim form here


Table Benefit
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  1. American Express®
    Benefit Limit per Trip RCP GREEN RCP GOLD CORPORATE CARD GREEN CORPORATE CARD GOLD RCP PLATINUM
    1 PERSONAL ACCIDENT DURING TRAVEL      
      1.1. Personal Accident (in-flight)        
        Card Holder 990.000.000 3.150.000.000 1.500.000.000 1.500.000.000 5.000.000.000
        Spouse 495.000.000 1.575000.000 Not Available Not Available 2.500.000.000
        Child (Max 5) 99.000.000 315.000.000 Not Available Not Available 500.000.000
    2 TRAVEL INCONVENIENCE        
      2.1. Travel Delay (+ 4 Hours, one time allowance)      
        Card Holder Not Available 1.000.000 1.000.000 1.000.000 10.000.000
        Spouse Not Available 1.000.000 Not Available Not Available 10.000.000
        Child (Max 5) Not Available 2.000.000 Not Available Not Available 20.000.000
      2.2. Missed Flight Connection (+4 Hours, one time allowance)    
        Card Holder Not Available 1.000.000 1.000.000 1.000.000 10.000.000
        Spouse Not Available 1.000.000 Not Available Not Available 10.000.000
        Child (Max 5) Not Available 2.000.000 Not Available Not Available 20.000.000
      2.3. Baggage delay (+6 Hours, one time allowance)      
        Card Holder Not Available 1.000.000 1.000.000 1.000.000 10.000.000
        Spouse Not Available 1.000.000 Not Available Not Available 10.000.000
        Child (Max 5) Not Available 2.000.000 Not Available Not Available 20.000.000
      2.4. Checked-in baggage lost (+48 Hours, one time allowance)    
        Card Holder Not Available 4.000.000 4.000.000 4.000.000 20.000.000
        Spouse Not Available 4.000.000 Not Available Not Available 20.000.000
        Child (Max 5) Not Available 8.000.000 Not Available Not Available 40.000.000
      2.5. Trip Cancellation applies for cost of flight ticket only.      
        Card Holder Not Available 1.000.000 1.000.000 1.000.000 10.000.000
        Spouse Not Available 1.000.000 Not Available Not Available 10.000.000
        Child (Max 5) Not Available 2.000.000 Not Available Not Available 20.000.000
    3 OVERSEAS MEDICAL EXPENSES        
      3.1. Overseas Medical Expenses        
        Card Holder/Spouse Not Available Not Available Not Available Not Available 150.000.000
        Child Not Available Not Available Not Available Not Available 75.000.000
        Family Not Available Not Available Not Available Not Available 300.000.000
    4 BAGGAGE & PERSONAL BELONGING        
      4.1. Baggage and Personal Belonging        
        Card Holder 25.000.000 in aggregate (IDR 10mio/item) 50.000.000 in aggregate (IDR 15mio/item) Not Available Not Available 100.000.000 in aggregate (IDR 25mio/item)
    5 HOTLINE 24 HOURS        
      5.1. Hotline 24 Hours Available Available Available Available Available
    Total Benefit in Indonesian Rupiah
  2. Mastercard
    Benefit Limit per Trip World Elite Corporate Card
    1 PERSONAL ACCIDENT DURING TRAVEL
      1.1. Personal Accident (in-flight)    
        Card Holder 5.000.000.000 1.500.000.000
        Spouse 2.500.000.000 750.000.000
        Child (Max 5) 500.000.000 150.000.000
    2 TRAVEL INCONVENIENCE
      2.1. Flight Delay (+ 4 Hours, one time allowance)
        Card Holder 10.000.000 1.000.000
        Spouse 10.000.000 Not Available
        Child (Max 5) 20.000.000 Not Available
      2.2. Missed Flight Connection (+4 Hours, one time allowance)
        Card Holder 10.000.000 1.000.000
        Spouse 10.000.000 Not Available
        Child (Max 5) 20.000.000 Not Available
      2.3. Baggage delay (+6 Hours, one time allowance)
        Card Holder 10.000.000 1.000.000
        Spouse 10.000.000 Not Available
        Child (Max 5) 20.000.000 Not Available
      2.4. Checked-in baggage lost (+48 Hours, one time allowance)
        Card Holder 20.000.000 4.000.000
        Spouse 20.000.000 Not Available
        Child (Max 5) 40.000.000 Not Available
      2.5. Trip Cancellation applies for cost of flight ticket only.
        Card Holder 10.000.000 1.000.000
        Spouse 10.000.000 Not Available
        Child (Max 5) 20.000.000 Not Available
    3 OVERSEAS MEDICAL EXPENSES
      3.1. Overseas Medical Expenses
        Card Holder/Spouse 150.000.000 Not Available
        Child 75.000.000 Not Available
        Family 300.000.000 Not Available
    4 BAGGAGE & PERSONAL BELONGING
      4.1. Baggage and Personal Belonging
        Card Holder 100.000.000 in aggregate (IDR 25mio/item) 25.000.000 in aggregate (IDR 10mio/item)
    Total Benefit in Indonesian Rupiah

Additional Documents that must be submitted to the Insurer in accordance with the cover provided
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Type of Benefits Additional Documents Needed
Travel accident insurance
  • Visum et Repertum Report.
  • Medical report/Doctor’s certificate of death.
  • Death certificate.
  • Certificate of heirship.
  • Photocopies of National Identity Card and Family Card.
  • Statement of the cause of permanent disability, with a waiting period of 180 consecutive days from the date of the accident.
  • Other diagnostic documents (e.g. X-ray results).
  • Original proof of payment for medical expenses, including a breakdown.
  • Copies of doctors’ prescriptions.
  • Certificate of heirship signed by a local official at sub-district level.
  • Photocopies of the heirs’ identity cards and Family Card proving the family relationship between the heirs and the insured person.
  • Photocopy of the guardianship order (from the court) for underage beneficiaries, with the original legalised.
Flight delay (more than 4 hours)
  • Letter of delay confirmation from the airline.
  • Boarding pass / e-ticket showing the new flight schedule.
Missed connecting flight (more than 4 hours)
  • Letter of delay confirmation from the airline.
  • Letter of recommendation for a new connecting flight schedule from the airline (for a connecting flight with the same airline with a minimum layover of 4 hours).
  • Receipt for the purchase of a replacement economy class ticket.
  • Photocopy of the economy class flight ticket for the new flight.
  • Details of the refund for the unused ticket (for connecting flights with the same airline with a minimum layover of 4 hours).
  • Other documents if required.
Baggage delay (more than 6 hours)
  • PIR report (Property Irregularity Report).
  • Baggage receipt (time and date of receipt) or a written statement from the airline stating when the baggage was received by the passenger, along with the airline’s reference number.
Checked-in baggage lost (more than 48 hours)
  • PIR report (Property Irregularity Report).
  • A loss report from the public transport operator issued within a maximum of 24 hours of the incident.
  • Baggage tag issued by the airline.
  • Written statement regarding compensation (including details) provided by the public transport operator responsible for the loss or damage to baggage and personal belongings.
  • Receipt for the purchase of personal belongings.
  • Details of lost or damaged items.
Overseas Medical Expenses
  • Certificate / medical report.
  • Receipt for medical expenses accompanied by details.
  • Proof of payment for medical expenses.
  • Copy of the doctor’s prescription.
  • Photocopies of supporting examination results (laboratory, ECG, radiology).
  • Written statement if claiming benefits from other insurance policies.
  • If you are ill and require hospitalisation, please contact Travel Assist (+62 21 5082 5555).
  • Other documents as required.
Emergency Medical Evacuation and Repatriation of Remains to Indonesia / to Country of Origin (World Elite only) Handled by Travel Assist (please contact +62 21 5082 5555 immediately), subject to Zurich Insurance’s approval.
Luggage and Personal Belongings
  • Police report within a maximum of 24 hours of the incident.
  • Original purchase invoice/receipt for lost or damaged personal belongings and luggage, including boxes, chargers, earphones and warranty cards for any electronic items that were also lost.
  • Details of lost or damaged items, including brand/model, size, year of manufacture and original purchase price.
  • Proof of purchase using a Danamon Charge Card bearing the American Express® logo, a Danamon Mastercard® World Elite™ Credit Card or a Danamon Mastercard® Corporate Credit Card.

*The terms and conditions of the travel insurance cover are subject to change at any time in accordance with Bank Danamon’s policy.


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