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 IDR10,000,000,000) for policies denominated in Indonesian Rupiah or USD770,000 for policies denominated in US Dollars.
(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.
Payment of the Death Benefit or Accidental Death Benefit will automatically terminate the Policy. Any Insurance Benefit will be paid by Allianz after first deducting any outstanding obligations (if any).
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 IDR10,000,000,000 (ten billion Rupiah) for policies denominated in Indonesian Rupiah or USD770,000 (seven hundred seventy thousand United States Dollars) for policies denominated in US Dollars.
- 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
Toni (Policyholder & Insured): Insurance Term: Sum Assured (SA): Premium Payment Option: Single Basic Premium: IDR630,000,000 |
Insurance Need: Education fund protection for the child over the next 10 years, when the child reaches the age of 15. |
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 (ten billion Rupiah) for policies denominated in Indonesian Rupiah or USD770,000 (seven hundred seventy thousand United States Dollars) for policies denominated in US Dollars The Accidental Death Benefit will only be paid if the Insured passes away within 90 (ninety) calendar 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 Group is one of the world’s leading insurers and asset managers, serving more than 122 million individual and corporate customers in over 70 countries. Allianz customers benefit from a wide range of personal and corporate insurance services, ranging from property, life, and health insurance to credit insurance and global business insurance solutions. Allianz is also one of the world’s largest investors, managing more than EUR 714 billion in assets on behalf of its insurance customers. Meanwhile, our asset managers, PIMCO and Allianz Global Investors, manage an additional EUR 1.7 trillion in third-party assets. Through the systematic integration of environmental and social criteria into its business processes and investment decisions, Allianz holds a leading position among insurance companies in the Dow Jones Sustainability Index. In 2022, Allianz Group had 159,000 employees and generated total revenue of EUR 152.7 billion with an operating profit of EUR 14.2 billion.
About Allianz in Asia
Asia is one of the core growth regions for Allianz, characterized by its diversity of cultures, languages, and traditions. Allianz has been present in Asia since 1910, initially providing fire and marine insurance in coastal cities of China. Today, Allianz operates in 15 markets across the region, offering a wide range of insurance products with core businesses in general insurance, life insurance, protection and health solutions, and asset management. With more than 36,000 employees, Allianz serves the needs of over 21 million customers in the region through various distribution channels and digital platforms.
About Allianz
Allianz Group is one of the world’s leading insurers and asset managers, serving more than 100 million individual and corporate customers in over 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, credit insurance, and global business insurance solutions.
Allianz is also one of the world’s largest investors, managing around EUR 790 billion on behalf of its insurance customers. In addition, its asset managers, PIMCO and Allianz Global Investors, manage EUR 1.7 trillion in third-party assets. Through the systematic integration of environmental and social criteria into its business processes and investment decisions, Allianz is among the leaders in the insurance industry in the Dow Jones Sustainability Index. In 2020, more than 150,000 employees generated total revenues of EUR 140 billion and an operating profit of EUR 10.8 billion for the Group.
PT Asuransi Allianz Life Indonesia is licensed and supervised by the Financial Services Authority, and its marketing personnel hold licenses from the Indonesian Life Insurance Association.
Important Notes:
- PT Bank Maybank Indonesia Tbk (“the Bank”) is licensed and supervised by the Otoritas Jasa Keuangan and Bank Indonesia.
- PT Asuransi Allianz Life Indonesia is licensed and supervised by the Otoritas Jasa Keuangan, and its marketing representatives hold licenses issued by the Asosiasi Asuransi Jiwa Indonesia.
- The premium paid includes a commission for the Bank.
- A complete explanation of the insurance coverage is provided in the Policy. The insurance coverage is subject to Exclusions as stated in the Policy, which are conditions or events not covered under the Policy.
- MyProtection PINTAR (dana pendidikan disertai proteksi) is an insurance product issued by PT Asuransi Allianz Life Indonesia. The Bank only acts as a referral party for MyProtection PINTAR (dana pendidikan disertai proteksi). This product is not a Bank product; therefore, the Bank is not responsible for any claims or any risks arising from the Policy issued by PT Asuransi Allianz Life Indonesia. MyProtection PINTAR (dana pendidikan disertai proteksi) is not guaranteed by the Bank or its affiliates and is not included in the coverage of the guarantee program of the Government of the Republic of Indonesia or the Lembaga Penjamin Simpanan (LPS). The use of the Bank’s name, logo, and other attributes in the General Product and Service Information Summary (RIPLAY) does not imply that the insurance product is a Bank product.
- You are required to read and carefully understand the General Product and Service Information Summary (RIPLAY) before agreeing to purchase the product and have the right to ask the Marketing Representative about any matters related to the General Product and Service Information Summary (RIPLAY).
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