Every individual aged 16 to 59 years. Meanwhile, for students or university students, there is a special product, namely student personal accident insurance that guarantees students from elementary school to university.

Considering the insured risk is the possibility of an accident occurring to the insured, while this factor is dominated by the insured's activities, the premium is influenced by the insured's work.

• Group 1: People whose main job is in the office or often stay in the office.
• Class 2: People from class A who often serve outside or are housewives.
• Group 3: People whose jobs require tools or facilities to support their activities such as drivers, field workers, dentists.
• Group 4: People whose work is high risk such as miners, divers.