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Optimal protection to overcome death due to accidents
Optima Accident Protection
About
Optima Accident Protection is an accident insurance product that offers death benefits due to an accident and bereavement benefits. This product is issued by PT AIA Financial. Optima Accident Protection also offers a return of premium benefit of 75% at the end of the 15th policy year.
Protection Benefits
Accidental Death Benefit
Additional Benefit of Accidental Death in Common Carrier
Provided that during the Insurance Period and Policy is in force, the Insured passes away due to an accident in a common carrier within 90 (ninety) calendar days from the date of the accident, the Insurer will pay an additional benefit of death due to an accident in a common carrier in the amount of 100% (one hundred percent) of Sum Assured.
Bereavement Benefit
Provided that during the Insurance Period and Policy is in force, the Insured passes away other than as a result of an accident, the Insurer will pay a bereavement benefit with the following provisions:
Policy Year |
Bereavement Benefit |
1 | 100% paid premiums |
≥ 2 | 25% Sum Assured |
Return of Premium
A return of premium benefit is payable if the Policy is still in force at the end of the 15-year term and the Premium has been paid for 10 (ten) full years, with the following amount:
End of Policy Year | Return of Premium Benefit |
15 | 75% x (total paid premium until the end of the 10-year term) |
Benefit | Plan (SI) | |||
I (200 million) | II (300 million) | III (400 million) | IV (500 million) | |
Accidental death benefit | 100% Sum Assured | |||
Additional benefit of accidental death in common carrier | 100% Sum Assured | |||
Bereavement Benefit | Policy Year | Bereavement Benefit | ||
1 | 100% premiums paid | |||
≥ 2 | 25% Sum Assured | |||
Return of Premium Benefit | End of Policy Year | Return of Premium Benefit | ||
15 | 75% x (total premiums paid until the end of the 10-year term) |
Entry Age of the Insured (years) | Plan (Rp) | |||
I (200 million) | II (300 million) | III (400 million) | IV (500 million) | |
18 – 35 | 150,000 | 187,000 | 225,000 | 255,000 |
36 – 45 | 200,000 | 250,000 | 300,000 | 340,000 |
46 – 55 | 300,000 | 375,000 | 450,000 | 510,000 |
Terms and Conditions:
Other Provisions
Protection with Complete Health Solutions
Disclaimer (important):
OJK Disclaimer:
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