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Product SummaryBenefitAdvantagesTerm & ConditionIlustrationAbout Allianz

 

eAZy ProLife

eAZy ProLife is a traditional life insurance product that provides financial protection in the form of Death Benefit or Accidental Death Benefit and Maturity Benefit if the insured is still alive at the end of Coverage Date.

Advantages of eAZy ProLife 

  1. 100% of the Sum Assured (Basic Insurance) for Death Benefit. 
  2. 200% of the sum Assured (Basic Insurance) for Accidental Death Benefit.
  3. Percentage of Premium paid if the Insured is still alive at the End of Coverage Date and the Policy is active.
  4. Choice of regular  premium payment frequency as needed.
  5. Flexible protection through  insurance period choices with policy accepted issuance only with a health statement (without additional insurance) with sum assured  for Basic Insurance of IDR 1 billion.
  6. Regular premium for Basic Insurance  starts from Rp100,000 per month.

Benefits of eAZy ProLife

  1. Death Benefit
    1. If the Insured dies (due to an accident or not), then PT Asuransi Allianz Life Indonesia will pay the Sum Assured (Basic Insurance) for Death Benefits to the Beneficiary in accordance with the terms and conditions in the Policy.
    2. In the event that PT Asuransi Allianz Life Indonesia has previously paid Additional Insurance benefits (if any) in accordance with the terms and conditions of the Additional Insurance and as long as (i) the terms and conditions of the Additional Insurance regulate that the payment of the Additional Insurance benefits will reduce the Sum Insured for the Basic Insurance; and (ii) (after payment) the Policy is still valid, then PT Asuransi Allianz Life Indonesia will pay the Accidental Death Benefit to the beneficiary in the amount of the remaining Insurance Benefit.
    3. Payment of Death Benefits will be (i) reduced by premiums that have not been paid for the current Policy Year (according to the policy) and other outstanding obligations (if any) from the policy holder to PT Asuransi Allianz Life Indonesia; and (ii) cause the Policy to terminate.
  2. Accidental Death Benefit
    1. If the Insured dies due to an Accident, PT Asuransi Allianz Life Indonesia will pay the Sum Assured (Basic Insurance) for Accidental Death Benefits to the Beneficiary and the Policy will end in accordance with the terms and conditions of the Policy.
    2. In the event that PT Asuransi Allianz Life Indonesia has previously paid Additional Insurance benefits (if any) in accordance with the terms and conditions of the Additional Insurance, and as long as (i) the terms and conditions of the Additional Insurance regulate that the payment of the additional Insurance benefits will reduce the Sum Insured for the Basic Insurance ; and (ii) (after payment) the Policy is still valid, then PT Asuransi Allianz Life Indonesia will pay the Accidental Death Benefit to the Beneficiary in the amount of the remaining Insurance benefit.
    3. The Sum Assured for Accidental Death Benefits will be paid in addition to the Sum Assured for Death Benefits.
    4. Payment of Accidental Death Benefit will be reduced by the premiums you have not paid for the current Policy Year (according to the policy) and other outstanding obligations (if any) from the Policy Holder to PT Asuransi Allianz Life Indonesia.
  3. Maturity Benefit 
    If the Insured is still alive on the End Date of Coverage stated in the Policy Data and the Policy is active, then PT Asuransi Allianz Life Indonesia will pay the Maturity Benefit with the following conditions, and the Policy ends.
    1. In the event that the insurance period chosen is 5 (five) years, the Maturity  Benefit obtained is 30% (thirty percent) of the total Basic Insurance premium that the Policyholder has paid, and that PT Asuransi Allianz Life Indonesia has received; or
    2. In the event that the Insurance Period chosen is 10 (ten) years, the Maturity Benefit obtained is 100% (one hundred percent) of the total Basic Insurance Premium that the Policyholder has paid and that PT Asuransi Allianz Life Indonesia has received.
  4. Coverage becomes invalid if there are things included in the Death  Benefit exclusion and Accidental Death Benefit  exclusion as stated in the policy.

Additional insurance options for eAZy ProLife insurance products.

Get more security by choosing additional insurance for eAZy ProLife! You as a customer are given the opportunity to optimise protection by choosing additional insurance according to your needs. This additional insurance is optional and will add an additional premium. Here are the details of the benefits of additional insurance:

Additional Insurance eAZy Medi Pro
Additional Insurance eAZy Medi Pro is an additional health insurance product that provides:

  1. Daily hospitalization benefit and/or surgical reimbursement benefit on a cashless or reimbursement basis.
  2. Return of Premium Benefit at the End of Coverage Date  with the condition that the Policy is still active until the end of the insurance period, regardless of whether there has been a claim submission or no claim submission by the Policyholder / Insured.

For further Additional Insurance  eAZy Medi Pro product information, please refer to the Summary of Product and Service Information below.

Additional Insurance eAZy CI Pro
Additional Insurance eAZy CI Pro is an additional health insurance product that provides:

  1. Protection benefit for the risk of end stadium of Illness/Critical Condition (Cancer, Stroke, First Heart Attack, Kidney Failure), and this benefit will reduce the amount of Sum Assured (Basic Insurance) in the Basic Policy, namely the eAZy ProLife policy.
  2. Additional benefit of 25% of the sum insured for Illness/Critical Condition for certain Gender with maximum benefit of IDR 250,000,000.
  3. Return of Premium Benefit at the end of the Coverage Date  with the condition that the Policy is still active and the insured is still alive until the end of the Insurance Period and there is no claim submission during the Insurance Period.

For further Additional Insurance eAZy CI Pro product information, please refer to the Summary of Product and Service Information below.

How to Apply for an Insurance Policy

Contact Maybank Customer Care at 1500611 or +622178869811 (from overseas).

Terms and Conditions of eAZy ProLife

Insurance Product Type Traditional Life Insurance
Insured Entry Age 18-55 years (nearest birthday).
Choice of Insurance Period & Maximum Age of the Insured on the End Date of Policy Coverage Choice of insurance period and maximum age of the insured on the end date of policy coverage ;
Choice of Insurance Period
(year)
Maximum Age
(year)
5 60
10 65
Regular premium for Basic Insurance Minimum:
Monthly IDR100,000
Quarterly IDR300,000
Semester IDR600,000
Annualy IDR1,100,000

Maximum:

Monthly IDR2,000,000
Quarterly IDR6,000,000
Semester IDR12,000,000
Annualy IDR22,000,000
  • The regular  premium amount cannot be changed (increased/decreased) during the Insurance Period.
  • The minimum regular  premium above does not include the regular  premium for Additional Insurance (if any).
  • Considering that the regular  premium is calculated and charged to the Policyholder on an annual basis, certain Insurance Benefits (as referred to in the Policy) that Allianz will pay to the Beneficiary will be calculated first by deducting the regular  Premium that the Policyholder has not yet paid for the current Policy Year.
  • Regular  Premiums are calculated monthly but are paid based on the selected Premium payment method. In the event that the Premium payment method is carried out annually, the annual regular  premium paid is 11 x the monthly regular Premium.
Currency

Rupiah

Premium Payment Period

According to the choice of insurance period

Premium Leave

Not Available

Sum insured
  • Minimum: According to the Insured's entry age and minimum monthly regular  premium for Basic Insurance.
  • Maximum: IDR 1,000,000,000.*
  • Changes to the Sum Assured  for Basic Insurance (increase/decrease) cannot be made during the Insurance Period.

*) The total number of policies issued by PT Asuransi Allianz Life Indonesia  and the Policy acceptance type  for the same Insured

Surrender

If the Surrender is approved by PT Asuransi Allianz Life Indonesia, the policy ends and PT Asuransi Allianz Life Indonesia is not obliged to pay the Sum Assured  and/or Insurance Benefits or refund the remium.

Underwriting
  • Guaranteed Issue Offer (GIO) only through a health statement.
  • Underwriting selection with simple health questions (Simplified Issue Offer/SIO) applies if the Policy application is accompanied by Additional Insurance (if any)
Policy Changes

Based on the Policyholder’s request to and approval from PT Asuransi Allianz Life Indonesia, the Policy can be amended limited to the following matters: 

  • Policyholder address;
  • Name of Insurance Beneficiary, as long as the new Insurance Beneficiary has an insurable interest in the eAZy ProLife Policy/insurance;
  • Premium payment method;
  • Other matters that do not affect the risk factors within the coverage either directly or indirectly, as determined by PT Asuransi Allianz Life Indonesia from time to time.

Benefit Illustration

Dira
Entry Age 30 years
When purchased for
eAZy ProLife.

  • Total Monthly regular  Premium: IDR 1,000,000
    (monthly regular  Premium for Basic Insurance: IDR 1,000,000 without regular monthly premium for Additional Insurance)
  • Sum Assured for Basic Insurance: IDR 450,000,000
  • Insurance Period & Premium Payment period :  10 Years
  • Death Benefit:IDR 450,000,000
    (100% Sum Assured  for Basic Insurance : 450 x IDR 1,000,000 (Regular monthly premium for Basic Insurance)
  • Accidental Death Benefit: IDR 900,000,000
    (100% + additional 100% Sum Assured  for Basic Insurance: 2 x (450 x IDR 1,000,000 (Regular monthly premium for Basic Insurance).

Maturity Benefit

  • If still alive until the age of 40 years old on the End of the Coverage Date that stated in the Policy Data and the Policy is active: IDR 120,000,000
    (100% of the total Basic Insurance Premium that the Policyholder has paid and PT Asuransi Allianz Life Indonesia has received and the Policy has ended).

Notes :

  • In the event that Allianz has previously paid Additional Insurance benefits (if any) in accordance with the Additional Insurance Terms and Conditions, and as long as (i) the Additional Insurance Terms and Conditions stipulate that payment of such Additional Insurance benefits will reduce the Sum Assured  for Basic Insurance; and (ii) (after such payment) the Policy is still valid, Allianz will pay the Death Benefit or Accidental Death Benefit to the Beneficiary in the amount of the remaining Insurance Benefit.
  • Sum Assured  (Basic Insurance) for Death Benefits.
  • The Sum Assured (Basic Insurance) for Accidental Death Benefits will be paid in addition to the Sum Assured for Death Benefits.
  • Percentage based on the choice of 10 years Insurance Period and active Policy.
  • Percentage based on the choice of 5 years Insurance Period and active policy

Santy
Entry Age 32 years
When purchased for
eAZy ProLife.

  • Annual regular  Premium amount: IDR 11,000,000
    (annual  regular  Premium for Basic Insurance: IDR 11,000,000 without regular annual Premium for Additional Insurance)
    (Calculation of monthly regular  premium for Basic Insurance: IDR 1,000,000)
  • Sum Assured for Basic Insurance: IDR 450,000,000
    Insurance Period & Premium Payment period: 5 Years
  • Death Benefit: IDR 450.000.000
    (100% Sum Assured  for Basic Insurance: 450 x IDR 1,000,000 (calculation of monthly regular premium for Basic Insurance)
  • Accidental Death Benefit:IDR 900.000.000
    (100% + additional 100% Sum Assured  for Basic Insurance: 2 x (450 x IDR 1,000,000 (calculation of monthly regular Premium for Basic Insurance).

Maturity  Benefit

  • If still alive until the age of 37 years old on the End of the Coverage Date that stated in the Policy Data and the Policy is active: IDR 16,500,000 (30% of the total Basic Insurance Premium that the Policyholder has paid and PT Asuransi Allianz Life Indonesia has received and the Policy has ended).

Notes :

  • Payment of Death Benefits or Accidental Death Benefits will be reduced by Premium that the Policyholder has not paid for the current Policy Year and other outstanding obligations (if any) from the Policyholder to PT Asuransi Allianz Life Indonesia.

About Allianz

About Allianz Group

Allianz Group is a global leading insurance and asset management company, serving over 122 million individual and corporate customers in more than 70 countries. Allianz’s customers benefit from a wide range of individual and group insurance services, including property, life and health insurance, as well as global credit insurance and business insurance assistance services. As one of the world's largest investors, Allianz manages customer insurance assets worth over 714 billion Euros. Additionally, our asset managers, PIMCO and Allianz Global Investors, manage an additional 1.7 trillion Euros of third-party assets. Thanks to the ecological systematic integration and social criteria in business processes and investment decisions, Allianz holds a leading position among insurance companies in the Dow Jones Sustainable Index. In 2022, the Allianz Group employed 159,000 professionals and achieved total revenues of 152.7 billion euros, with an operating profit of 14.2 billion Euros. 

About Allianz in Asia

Asia is one of the core growth regions for Allianz, characterized by diversity of cultures, languages and customs. Allianz has been present in Asia since 1910, providing fire and maritime insurance in China's coastal cities. Currently, Allianz is active in 16 markets in the region, offering a wide range of insurance with core businesses in casualty insurance, life insurance, health protection and solutions, and asset management. With more than 36,000 staff, Allianz serves the needs of more than 21 million Customers in the region through various distribution channels and digital platforms.

About Allianz Indonesia 

Allianz started its business in Indonesia by opening a representative office in 1981. In 1989, Allianz established PT Asuransi Allianz Utama Indonesia, a general insurance company. Later, in 1996, Allianz entered the life and health insurance, as well as pension fund business by founding PT Asuransi Allianz Life Indonesia. In 2006, Allianz Utama and Allianz Life ventured into the sharia insurance business. In 2023, PT Asuransi Allianz Life Syariah Indonesia began its official operation as a separate entity that offers sharia-based insurance protection and financial risk management. 

Allianz Indonesia is supported by more than 1,000 employees and over 40,000 marketing personnels and is backed by a network of banking partners and other distribution channels. Currently, Allianz is one of the leading insurance companies in Indonesia, trusted to provide protection to more than 10 million insured. 

Important Notes:

  • eAZy ProLife is a traditional individual life insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts in marketing eAZy ProLife products. eAZy ProLife is not a Bank product so the Bank is not responsible for any and all claims and any risks regarding the Policy issued by PT Asuransi Allianz Life Indonesia. eAZy ProLife is not guaranteed by the Bank and its affiliates and is not included in the scope of the guarantee program objects of the Government of the Republic of Indonesia or the Deposit Insurance Corporation ("LPS").
  • PT Asuransi Allianz Life Indonesia is licensed and supervised by the Otoritas Jasa Keuangan, and its marketing staff holds a license from Asosiasi Asuransi Jiwa Indonesia
  • PT Bank Maybank Indonesia, Tbk is licensed and supervised by OJK & Bank Indonesia.
  • The management of eAZy ProLife products is carried out by PT Asuransi Allianz Life Indonesia and is the responsibility of PT Asuransi Allianz Life Indonesia.
  • You can read a more complete explanation of the terms and conditions, including detailed cost charges and exclusions, in the General Information Summary of Products and Services (RIPLAY) and in the Policy.

Product Summary Information

Strengthen your protection by purchasing eAZy Pro Life products! Include additional insurance to ensure you and your family's future is better protected.

eAZy ProLife
eAZy CI Pro
eAZy Medi Pro
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