Entry Age

• 1 month - 70 years

Insurance Period

Up to 100 years old, with monthly deduction of Cost of Insurance.

Top Up

• Minimum Regular Top Up:
  •  Annually     : IDR5,000,000 / USD500
  •  Bi-annually : IDR2,500,000 / USD250
  •  Quarterly    : IDR1,250,000 / USD125
  •  Monthly      : IDR400,000 / USD40
• Minimum Single Top Up:  IDR1,000,000 / USD200
• Maximum Single Top Up: 5x of annual sum insured per year (financial underwriting will be applied if the amount exceeds IDR2 billion / USD200,000)

Investment Fund Management Cost

Investment fund management cost will vary in accordance of your choice of investment funds. The amount ranges from around 1% to 2% annually.

Withdrawal Fee

This fee will be charged via deduction of Regular Premium Units as per the following formula:
Factor x Amount of Fund Withdrawal from Regular Premium Investment Valuet:

Policy year     Factor
1                      75%
2                      50%
3                      30%
4                      20%
5+                    3,5%

Redemption Fee

This fee is calculated by multiplying the Regular Premium Investment Value with the following factors:

Policy year       Factor
1                      75%
2                      50%
3                      30%
4                      20%
5+                     0%

Premium Leave Fee

Policy year       Factor
1                      not allowed
2                      not allowed
3                      30%
4                      20%
5                       10%
6+                     0%