Death Benefit

• If during Protection Period the Insured dies due to non accident or accident before the end of Protection Period, Allianz will pay 2 times of Sum Assured and Policy ends.
• Benefit paid will be deducted by fees and outstanding obligations (if any).

Accidental Death Benefit

• If Insured dies:
  1. Due to accident, Allianz will pay additional benefit of 1 time Sum Assured and Policy ends; or
  2. Due to accident while using Public Transportation, Allianz will pay additional benefit of 2 times of Sum Assured and Policy end.
• This benefit will only be paid if Insured dies within 90 days since accident date.
• The Sum Assured of this benefit will be paid as an additional on Sum Assured of Death Benefit.
• This benefit ends on Policy anniversary date which is nearest  to the Insured age of 70 years old and benefit paid will be deducted by fees and outstanding obligations (if any) from the Policyholder to Allianz.

Critical Illness Benefits

• If the Insured suffers from/diagnosed with one of the critical illness in accordance with 77 Critical Illness definition before the end of Protection Period, Allianz will pay 1 time of the Sum Assured.
• This benefit payment will not cause the Policy end, therefore the Policyholder is still required to pay Regular Premium in accordance with Premium payment period chosen by the Policyholder.
• Payment of above benefit:
  1. Will only be paid one time from one of 77 critical illness type in accordance with 77 critical illness definition; and
  2. Will be done after calculation of all Premium loan and outstanding obligations (if any).
• After above benefit is paid, the Critical Illness Benefit will automatically end.

End of contract benefits

If Insured is still alive at Protection Period end date, Allianz will pay Maturity Benefit one time of Sum Assured, and Policy ends.