About MyProtection Sejahtera
MyProtection Sejahtera is a unit linked product with regular premium payment system that provides a balance between investment and protection benefits. This product can be used to prepare for various life necessities such as: protection of children’s education cost, family health protection, pension fund protection even for potential long-term investment needs.
Advantages
Diverse investment options
Extensive opportunities with various types of investments suited to your risk profile.
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MyProtection Sejahtera Benefits
What Are The Benefits MyProtection Sejahtera?*
Basic Benefits
100% life sum insured + investment fund value potential if the insured passes away*
*) Protection until the Insured reaches 100 years of age.
Options of Additional Benefits
- Compensation for 49 critical illness, with choices of:
- Does not reduce the value of basic life sum insured (CI Plus)
- Reducing the value of Basic Life Sum Insured (CI Accelerated)
- Compensation for 100 critical illness conditions (CI100).
- Compensation for death and total permanent disability due to accident (ADDB)
- Total permanent disability benefits due to illness/accident, with choice of:
- Does not reduce the value of Basic Life Sum Insured (TPD)
- Reducing the value of Basic Life Sum Insured (TPD Accelerated)
- Daily cash compensation for hospitalization & surgery at the hospital (Flexicare Family)
- Reimbursement of hospital care costs (H&S Care+)
- Premium payment coverage by Allianz if the premium payer/The partner:
- Passes away (Payor Benefit, Spouse Payor Benefit)
- Diagnosed with critical illness/Total permanent disability (Payor Protection, Spouse Payor Protection)
- Medical evacuation services and emergency repatriation (Medical Evacuation)
Benefits of the potential value of investment funds
- Year to-1: 25%
- Year to-2: 60%
- Year to-3: 85%
- Year to-4: 92.5%
- Year to-5: 92.5%
- Year to-6, up to: 105.26%*
*) Not including fees Bid/Offer spread 5%
- Investment fund can be withdrawn as required.
- Benefits on Maturity: Value of investment funds formed.
Policy Maturity Benefits
If the insured survives to the end of the insurance period, Allianz will pay the end of contract benefit in the form of all balances of investment value (if any) on the insurance expiration date.
Policy Redemption Benefit
If the policy holder cancels or redeems the policy, then the investment value which has formed will be paid to the policy holder.
Term & Conditions
Insured age of entry
- Insured with the age of entry : 1 month - 70 years (Nearest Birthday)
- Policy holder : 18 years – no maximum age
- Premium payer : 18 – 63 years (only for Payor Benefit and/or Payor Protection riders).
Top up allocation : 105,26%.
Premi
- Minimum basic premium :
- Annual : Rp6.000.000,00
- Semester : Rp3.000.000,00
- Quarterly : Rp1.500.000,00
- Monthly : Rp500.000,00
- Basic premiums can be changed (increased/decreased).
- Basic premiums will be allocated as much as possible to insurance coverage. The allocation control mechanism will be implemented in the illustration calculator.
Underwriting:
Full Underwriting in accordance with the provisions of the policy.
Premium Allocation
| Rupiah (IDR) |
|
|---|---|
| 1 | 25% |
| 2 | 60% |
| 3 | 85% |
| 4 | 92,5% |
| 5 | 92,5% |
| 6, dst | 105,26% |
Administrative costs IDR35.000/month and will be deducted from the premium unit.
Withdrawal of partly invesment funds (Withdrawal):
- Minimum withdrawal amount of investment funds : IDR1,000,000.
- Minimum balance in investment allocation account after partial withdrawal of investment funds : IDR2,000,000 + amount of insurance costs owed (If any).
Insurance Costs
Calculated based on age and gender.
Switching Costs
Free of charge for 5 times in 1 year. 1% cost or minimum IDR1,000,000 will be charged for more than 5 times.
Bid/offer spread : 5%
Currency : Rupiah (IDR)
Free look period : 14 (fourteen) Calendar day from the date of policy receipt by the policy holder.
Basis & frequency of fund assessment **
In the form of units using daily unit prices
Underwriting:
Pertanyaan singkat seputar kesehatan/Simplified Issue Offer (SIO) untuk maksimum Uang Pertanggungan Rp1,5 miliar/polis dengan Total Uang Pertanggungan keseluruhan:
- Rp1,5 miliar untuk usia masuk 0 - 50 tahun.
- Rp1 miliar untuk usia masuk 51 - 60 tahun.
Ilustration
Dony, 30 years old, does not smoke, works as a manager in a company.
Needs to achieve his dreams: maximum investment funds in the future
Total regular premium: IDR12,000,000/year for 20 year.
(Regular Basic Premium: IDR12,000,000.)
Tabel proyeksi nilai dana investasi dari total premi berkala yang dibayarkan (Rupiah)
| Akhir Tahun Polis | Usia Tertanggung | Total premi berkala yang dibayar per tahun selama 20 tahun | Proyeksi Nilai Dana Investasi per tahun |
| Sedang (13%) | |||
|
1 |
30 |
12.000 |
3.221 |
|
2 |
31 |
12.000 |
1.547 |
|
3 |
32 |
12.000 |
3.082 |
|
4 |
33 |
12.000 |
8.652 |
|
5 |
34 |
12.000 |
14.908 |
|
6 |
35 |
12.000 |
23.458 |
|
7 |
36 |
12.000 |
32.962 |
|
8 |
37 |
12.000 |
43.191 |
|
9 |
38 |
12.000 |
54.423 |
|
10 |
39 |
12.000 |
66.721 |
|
↓ |
↓ |
↓ |
↓ |
|
26 |
55 |
0 |
416.978 |
|
27 |
56 |
0 |
446.424 |
|
28 |
57 |
0 |
476.844 |
|
29 |
58 |
0 |
508.992 |
|
Total |
240.000.000 |
||
- Asumsi tingkat investasi per tahun dalam tabel, tidak dijamin dan dapat berubah sewaktu-waktu sesuai dengan kinerja investasi Smartlink Rupiah Equity Fund.
- Untuk dana investasi dikenakan bid/offer spread sebesar 5%.
About Allianz
Allianz is one of the insurance providers and asset management provider in the world, found in 1890 in Germany, Allianz now presents in more than 70 countries and serves more than 75 million customers worldwide.
PT. Allianz Life Indonesia Insurance was established in 1996 and is engaged in life, health, retirement and sharia insurance. At present, PT. Allianz Life Indonesia Insurance has developed a distribution network in more than 44 cities through more than 87 business partner offices and supported by more than 14,000 salespersons.
Important notes:
- MyProtection Sejahtera is an insurance product issued by PT Asuransi Allianz Life Indonesia. PT Bank Maybank Indonesia Tbk ("Bank") only acts to distribute MyProtection Sejahtera.
- MyProtection Sejahtera is not the bank’s product, therefore the bank is not responsible for any and all claims and risks arising from the management of this product portfolio.MyProtection Sejahtera is not guaranteed by the Bank and its affiliates and not covered in the blanket guarantee scheme of the Government of the Republic of Indonesia or known as the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan (“LPS”)). The bank is not reponsible for the insurance policy issued by PT. Asuransi Allianz Life Indonesia. The management and investment activities of MyProtection Sejahtera are carried out by PT. Asuransi Allianz Life Indonesia and is the responsibility of PT. Asuransi Allianz Life Indonesia
- PT Bank Maybank Indonesia Tbk is registered and supervised by the Indonesian Financial Services Authority (Otoritas Jasa Keuangan (OJK).
- The premium paid includes a commission for the bank.
- PT. Asuransi Allianz Life Indonesia is registered with and supervised by Otoritas Jasa Keuangan, and its salespersons holds a license from Asosiasi Asuransi Jiwa Indonesia.
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