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Personal Accident Insurance
24/7 global protection for your team – wherever they are in the world
Because life’s unpredictable – but your support shouldn’t be
Accidents happen. But when they do, your employees shouldn’t be left navigating the aftermath alone. Personal Accident Insurance is a powerful way to protect your people — and show them you’ve got their backs.
At Howden, we design accident protection that fits your world — whether your employees are on the road, in the office, or working at height. We work closely with leading insurers to tailor plans that match your risk profile, budget, and business goals. No unnecessary extras. No gaps in cover. Just smart protection, built around your people.
What’s covered?
Accidents and serious injuries
We cover a wide range of outcomes including:
- Accidental death
- Unprovoked murder or assault
- Permanent and temporary disablement (including dismemberment)
- Funeral and burial costs
24/7 worldwide cover
No matter where your people are — or when something happens — they’re protected.
More than just the basics
We include cover for real-life scenarios that many providers leave out:
- Natural disasters
- Vehicle accidents (including motorcycles)
- Disappearance
- Drowning
- Smoke or poison inhalation
- Food poisoning
- Animal bites (excludes mosquito bites)
Yes, even riots and civil unrest
Most policies exclude these. Ours don’t. We include Riots, Strikes, Civil Commotion, and Terrorism as standard — because real risk doesn’t come with a warning.
Smarter tech, smoother claims
Online portals & mobile apps
From finding the nearest accredited hospital to skipping queues with Letters of Authorisation — we’ve made access fast and frictionless.
Microchip-enabled cards
Just tap your card at partner hospitals and go. No paperwork, no delays.
How are premiums calculated?
We match pricing to the level of risk for each job type — making it fair and flexible.
| Risk Class | Examples |
|---|---|
| Class 1 - Very Low Risk | Office-based staff |
| Class 2 - Low Risk + Travel | Sales reps, site visitors |
| Class 3 – Moderate Risk | Skilled/semi-skilled roles (e.g. petrol station attendants) |
| Class 4 – High Risk | Labourers, machine operators, emergency workers |
| Class 5 – Extreme Risk | Anything outside standard classifications — let’s talk |
Let’s build protection that works in the real world
If you’re ready to offer peace of mind that truly delivers when it matters most — we’ll help you get it right.
Meet the team
Firman Amersyah
Firman Amersyah
Senior Vice President
Firman joined Howden in December 2013 as Assistant Vice President in the Strategic Business Development. He is responsible to develop the business strategically across the company. Part of his responsibility is to develop initiatives towards clients.
Prior to joining Howden, Firman worked at Aon as Manager at Corporate Risks Services Division, where handle various major clients as well as Lippo group business. Part of his focus is also to develop affinity initiatives with corporate risks services. Previously, he also worked for JLT to handle corporate and industrial clients for 4 years and prior to that he was working for one of the major bank in Bandung, Panin Bank as internal auditor. He has more than 7 years experience.
Firman graduated from Bina Nusantara University, majoring in computerized accounting. He has just completed one of the professional qualifications from ANZIIF, CIP, Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).
Erick Silalahi
Erick Silalahi
Vice President
Erick joined Howden in September 2013 as Assistant Manager in the Strategic Business Development. Having been promoted in January 2016 as business manager. He was given a new role to lead Employee Benefits effective from June 2016. He is responsible for client servicing in Employee Benefits area and making sure to meet our client expectations.
Prior to joining Howden, Erick worked with Aon for 2 years as Account Executive and responsible for new business and existing client development for global and referral business Aon worldwide. Previously, He also experienced working for insurance companies. He has overall more than 8 years experience in the industry.
Erick graduated from STIMRA Trisakti and currently pursuing professional qualifications in insurance broking. He holds professional qualification Ahli Pialang Asuransi dan Reasuransi Indonesia (APAI) and Certified Indonesian Insurance & Reinsurance Broker (CIIB).
Yolanda Ulfa
Yolanda Ulfa
Business Manager
Yola joined Howden in January 2017 as Assistant Manager in Employee Benefits division. She is responsible for expanding and client servicing in Employee Benefits area and making sure to meet our client expectation.
Prior to joining Howden, Yola worked for one of big insurance broker company, PT Jardine Lloyd Thompson.
Yola also holds professional qualification Ahli Pialang Asuransi dan Reassurance Indonesia (APAI). Yola also qualified at Level 5 for professional Insurance Broker certification based on Indonesian regulation.