MyProtection PINTAR
Pintar is a traditional life insurance product with payment options between Single Basic Premium or Annual Periodic Premium for 2 years which provides Death Benefit, Accidental Death Benefit, and Education Fund Benefit when the Insured reaches the age of 75 years or the end of the coverage period (whichever the former).
Advantages Pintar Insurance
- Death Benefit
The protection will be equal to 105% of the total premiums paid(1) if the insured passes away during the first two years of the policy; if the Insured passes away after 2 years of policy, the pass away benefit will be equal to the sum insured. - Accidental Death Benefit
The protection consists of an extra one-time Death Benefit. - Education Fund Benefit
The protection that will be given at the end of contract amounting to one time the sum assured if the Insured is still alive on the End of Coverage Date. - Short Period Insurance
The insured can choose Rupiah & USD as needed for 10 years. - Varied Payment Option
Single Basic Premium and annual Periodic Basic Premium for the first 2 Policy years as needed. - Policy Application Without Medical Examination
Benefit accepted by the Insured for a maximum sum assured of up to IDR10 billion / USD770,000.
Notes:
(1) The total premium paid by the Policyholder or Premium Payer (whichever is appropriate and accepted by Allianz).
(2) Policy year from the effective Policy date.
(3) 100% of the Sum Insured if the Insured dies after 2 years from the Effective Policy Date as stated in the Policy Data or the Endorsement, if any
(4) In the event that the Insured is covered by more than 1 insurance policy issued by Allianz which provides insurance benefits in the form of accidental death benefits similar to accidental death benefits based on the MyProtection PINTAR(dana PendidIkaN diserTAi pRoteksi) Policy, then the accidental death benefits will be paid by Allianz for the entire policy including the MyProtection Pintar (education fund with protection Policy a max. of IDR10 billion).
(5) 105% + 105% of the total premium paid (if the Insured dies within 2 Years of Policy) or 100% + 100% Sum Assured (if the Insured dies after 2 Years of Policy), as stated in the Policy Data or Endorsement, if any. Accidental Death Benefit will only be paid if the Insured dies within 90 days from the date of the Accident.
(6) 100% Sum Insured.
(7) End of Coverage Date as stated in the Policy Data.
(8) The Policy Submission special for adults with income as an insured that is classified to Simplified Issuance Offer (SIO) . For a Policy submission with Sum Assured exceeding IDR10 billion / USD770,000 will be subject to Full Underwriting.
Benefit of MyProtection PINTAR
- Death Benefit
By still referring to the General Conditions of the Policy, if during the Insurance Period the Insured dies, PT Asuransi Allianz Life Indonesia will pay the Death Benefit to the Beneficiary with the following conditions:- If the Insured dies within 2 (two) years from the Effective Date of the Policy, then the Death Benefit that will be paid by PT Asuransi Allianz Life is 105% (one hundred and five percent) of the total premium that has been paid by the Policyholder or Premium Payer (whichever is appropriate); or
- If the Insured dies after 2 (two) years from the Effective Date of the Policy, then the Death Benefit that will be paid by PT Asuransi Allianz Life is the amount of Sum Assured as stated in the Policy Data or the Endorsement (if any).
- Accidental Death Benefit
- By still referring to the General Conditions of the Policy, if during the Insurance Period the Insured dies due to an Accident, PT Asuransi Allianz Life will pay the Accidental Death Benefit to the Beneficiary in the amount of 1 (one) time of the Death Benefit that the Beneficiary is entitled to receive Benefits as referred to in the Policy. This Accidental Death Benefit payment is in addition to the Death Benefit payment.
- In the event that the Insured is covered by more than 1 (one) insurance policy issued by PT Asuransi Allianz Life which provides insurance benefits in the form of accidental death benefits similar to accidental death benefits under the policy, then accidental death benefits will be paid by PT Asuransi Allianz Life Indonesia for the entire policies (including policies) is a max. of IDR10 billion (ten billion Rupiah).
- This benefit will only be paid if the Insured dies within 90 (ninety) days from the date of the Accident.
- Educational Fund Benefit
If the Insured is still alive on the End of Coverage Date as stated in the Policy Data, then We will pay the Education Fund Benefit (which is the final benefit of the contract) in the amount of 1 (one) time the Sum Assured and the Policy ends.
Each insurance benefit will be paid by PT Asuransi Allianz Life Indonesia after deducting other commitments (if any).
Terms and Conditions of PINTAR Insurance
| Insured Entry Age | 1 month – 65 years (nearest birthday) |
| Policy Holder Entry Age | 18 years – There is no maximum age (nearest birthday) |
| Currency | Rupiah and US Dollar |
| Insurance Period | 10 years |
| Options to Pay Premium |
|
| Min. Premium |
Single Basic Premium : Annual Periodic Basic Premium for 2 years: |
| Sum Insured |
Single Basic Premium:
|
| Underwriting |
Mature age with income (Age ≥ 18 years)
Age of children and no income (Age ≤ 17 years)
|
| Premium Leave | Premium Leave for the payment method option for Periodic Basic Premium : Not available |
Illustration of Pintar Insurance Benefit
- Illustration of the Death benefit 105% of all premiums Paid
- Illustration of the Death benefit 100% Sum Insured
- Illustration of Educational Fund Benefit
Notes:
- The entire premium that has been paid by the Policyholder or Premium Payer (whichever is appropriate) and has been received by PT Asuransi Allianz Life Indonesia.
- In the event that the Insured is covered by more than 1 insurance policy issued by Allianz which provides insurance benefits in the form of an accidental death benefit similar to the Accidental Death Benefit under the MyProtection Pintar (education fund with protection) Policy, then the Accidental Death Benefit will be paid by PT Asuransi Allianz Life Indonesia for the entire policies including the MyProtection Pintar (education fund with protection) Policy in a max. of IDR10 billion Accidental Death Benefit will only be paid if the Insured dies within a period of 90 ninety days from the date of the Accident.
- The Sum Assured as stated in the Policy Data and the Policy expires
- End of Coverage Date as stated in the Policy Data.
Payment of Death Benefit or Accidental Death Benefit (if any) will automatically terminate the Policy. Each Insurance Benefit will be paid by PT Asuransi Allianz Life Indonesia after first deducting other obligations (if any).
About Allianz
About Allianz in Indonesia
Allianz started its operations in Indonesia with a representative office in 1981. In 1989, Allianz established
PT Asuransi Allianz Utama Indonesia, a general insurance company. Furthermore, Allianz entered the Indonesian life and health insurance market, as well as pension fund by opening PT Asuransi Allianz Life Indonesia in 1996.
In 2006, Allianz Utama and Allianz Life started sharia insurance business.
Supported by more than 1,300 employees and a network of more than 34,000 sales professionals as well as bank partners and other distribution channels. Today, Allianz in Indonesia is one of the leading insurance groups in the market trusted to protect more than 8,3 million insured.
About Allianz in Asia
Asia is one of the core growth regions for Allianz, characterized by a rich diversity of cultures, languages and customs. Allianz has been present in the region since 1910, when it first provided fire and marine insurance in the coastal cities of China. Today, Allianz is active in 16 markets in the region, offering its core businesses of property and casualty insurance, life, protection and health solutions, as well as asset management. With its more than 36,000 staff, Allianz serves the needs of over 21 million customers in the region across multiple distribution channels and digital platforms.
About Allianz
The Allianz Group is one of the world's leading insurers and asset managers with more than 100 million private and corporate customers in more than 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest investors, managing around 790 billion euros on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz Global Investors manage 1.7 trillion euros of third-party assets. Thanks to our systematic integration of ecological and social criteria in our business processes and investment decisions, we are amongst the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2020, over 150,000 employees achieved total revenues of 140 billion euros and an operating profit of 10.8 billion euros for the group.
PT Asuransi Allianz Life Indonesia berizin dan diawasi oleh Otoritas Jasa Keuangan, dan Tenaga Pemasarnya telah memegang lisensi dari Asosiasi Asuransi Jiwa Indonesia.
Important Notes:
- MyProtection Pintar (education fund with protection) is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank Maybank Indonesia Tbk (“Bank”) only acts as a referrer for MyProtection Pintar (education fund with protection). MyProtection Pintar (education fund with protection) not a Bank product so that the Bank is not responsible for any and all claims and any risks whatsoever for the Policy issued by PT Asuransi Allianz Life Indonesia MyProtection Pintar (education fund with protection) not guaranteed by the Bank and its affiliates and not included in the scope of the program object penjaminan Pemerintah Republik Indonesia or Lembaga Penjamin Simpanan (“LPS”).
- PT Bank Maybank Indonesia, Tbk is licensed and supervised by OJK & Bank Indonesia.
- Pengelolaan produk MyProtection PINTAR (education fund with protection dilakukan oleh PT Asuransi Allianz Life Indonesia dan merupakan tanggung jawab PT Asuransi Allianz Life Indonesia Management of MyProtection Pintar (education fund with protection) products is carried out by PT Asuransi Allianz Life Indonesia and is the responsibility of PT Asuransi Allianz Life Indonesia
- You can learn a more complete explanation of the terms and conditions including detailed fees and exclusions in the Ringkasan Informasi Produk dan Layanan (RIPLAY).
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