Online Game Insurance: The Best Life Protection for Those of You Who Like Online Gaming

Online game insurance is a type of insurance coverage that offers protection for gamers against risks related to their online gaming activities.

Online Gamer Insurance: The Best Life Protection for Those of You Who Like Online Gaming
Online Gamer Insurance: The Best Life Protection for Those of You Who Like Online Gaming

Queenews.com – Currently, we are entering a new era in life, namely the digital era. Everyone, especially young people, now often seeks entertainment through their gadgets, and of course they cannot be separated from the exciting games they play. One of the most popular is online gaming.

Behind this excitement, of course, you don’t want to lose that happy feeling because of unexpected events. For this reason, gamers, especially online game lovers, also need to be careful so that it is safer and more relaxing to play online games. One way is to buy online game insurance.

Apart from being protection for gamers, online game insurance can also be used for those of you who often work in front of laptops and other activities involved in the digital world.

What is online game insurance?

Gamers insurance, also known as video game insurance, is a type of insurance policy that provides coverage for various risks associated with gaming. Meanwhile, online game insurance is a type of insurance coverage that offers protection for gamers against risks related to their online gaming activities.

Online game insurance, also known as cyber insurance, is a type of insurance coverage that protects individuals from financial losses or damages resulting from cyber threats or incidents related to online gaming.

This type of insurance typically covers issues such as theft or damage to gaming equipment, loss of virtual assets or in-game currency, and potential liability claims arising from online interactions with other players.

It is designed to provide peace of mind and financial protection to gamers who invest significant amounts of time and money into their online gaming pursuits.

The coverage provided by online game insurance

Online game insurance typically provides coverage for various types of risks that a gaming enthusiast may face. This coverage may include:

  1. Compensation for Diagnosed Disease: This protection provides insurance money if diagnosed with a disease caused by using gadgets for too long, such as glaucoma (eye nerve damage), cardiac arrest (heart failure), carpal tunnel syndrome (wrist nerve disorder), and De Quervain’s tenosynovitis (inflammation of the wrist nerve).
  2. Accidental damage: coverage for accidental damage to gaming consoles, controllers, or other gaming equipment This may include events such as drops, spills, or power surges that result in damage to the equipment.
  3. Theft or burglary: coverage for theft or burglary of gaming consoles or equipment This may include coverage for the replacement cost of the stolen or damaged items.
  4. Cyber attacks: coverage for losses resulting from cyber attacks or hacking attempts This may include coverage for the costs associated with recovering lost data, repairing damaged systems, or reimbursing any financial losses.
  5. Fraudulent transactions: coverage for unauthorized transactions made on the gamer’s online account or credit card. This may include coverage for fraudulent purchases or charges made by someone else using the gamer’s account information without their permission.
  6. Loss of data or progress: coverage for losses in the game due to technical issues or server malfunctions. This may include coverage for lost game progress, virtual currencies, or purchased items.
  7. Personal liability: coverage for legal expenses or damages resulting from someone getting injured, defamed, or having their property damaged while playing online games. This coverage may also extend to situations where a gamer causes harm or violates the terms of service of the game.

Online game insurance companies in Indonesia

In Indonesia, there are several insurance companies that offer cyber insurance policies that can cover online game-related risks.

One example of an insurance company offering cyber insurance in Indonesia is PT Asuransi Purna Bakti.

They offer a cyber insurance policy called “Purna Bakti Cyber Protection,” which provides coverage for various cyber risks, including online game-related risks such as hacking, fraud, or theft of virtual items or currency.

Another insurance company offering cyber insurance in Indonesia is PT. Central Asia Financial.

They offer a cyber insurance policy called “JAGAGamers,” which provides compensation of 100% of the sum insured if an illness is diagnosed for customers after spending too long working in front of laptops and other online activities that can trigger diseases such as glaucoma, heart attack, carpal tunnel syndrome, and De Quervain’s tenosynovitis.

Another example is PT Asuransi Cakrawala Proteksi. They offer a cyber insurance policy called “Proteksi Cyber Insurance,” which provides coverage for cyber risks, including online game-related risks such as online fraud, identity theft, or loss of virtual property.

Then, Gamers Insurance by AIA Financial Indonesia provides protection to avoid worry when playing games for too long. Including sum insured if you suffer from one of the diseases such as glaucoma, carpal tunnel syndrome, De Quervain’s tenosynovitis, or sudden cardiac arrest.

Protection from hospitalization costs for up to a maximum of 3 days during the insurance period and very affordable premium prices, starting at IDR 16,000 for a 12-month insurance period.

It’s important to note that the specific coverage and limits may vary depending on the insurance provider and the policy purchased.

It’s recommended to review the terms and conditions of the insurance policy to understand the covered risks, exclusions, and any deductibles or limitations in the coverage. ***

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