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AIA Optima Protection Plus
AIA Optima Protection Plus
Kenali Produk
Optima Protection Plus adalah produk asuransi jiwa tradisional diterbitkan oleh PT AIA FINANCIAL, yang merupakan salah satu perusahaan asuransi jiwa terkemuka di Indonesia yang terdaftar di dan diawasi oleh Otoritas Jasa Keuangan dan produk ini telah mendapat otorisasi dari Otoritas Jasa Keuangan.
Optima Protection Plus memberikan manfaat Santunan Harian dan perlindungan jiwa akibat Kecelakaan, dengan membayar Premi selama 10 tahun, selain itu Anda juga akan mendapat manfaat pengembalian Premi di akhir Tahun Polis ke-2, 5 dan 10.
Manfaat Perlindungan
Early-Stage Cancer Benefits
Provided that during the Insurance Period and based on the Doctor’s diagnosis, the Insured is diagnosed with early-stage cancer as set forth in the Optima Cancer Protection Policy Attachment after the Waiting Period and Survival Period, the Insurer will pay a lump sum of the Early-Stage Cancer Benefits of 20% (twenty percent) of Sum Assured. This benefit is a one-off benefit payout during the Insurance Period for early-stage cancer diagnosis.
Advanced Stage Cancer Benefits
Provided that during the Insurance Period and based on the Doctor’s diagnosis, the Insured is diagnosed with advanced stage cancer as set forth in the Optima Cancer Protection Policy Attachment after the Waiting Period and Survival Period, the Insurer will pay a lump sum of the Advanced Stage Cancer Benefit of 100% of Sum Assured minus the amount of the Early-Stage Cancer Benefits that has been paid (if any) and subsequently this Policy expires.
Waiver of Premium Benefits
If the Insured is diagnosed with early-stage cancer during the Insurance Period, and after the Early-Stage Benefit is paid, the Insurer exempts the Policyholder from liability for the next premium payment, starting from the next payment due date until the Insured passes away or the Insurance Period ends, whichever occurs first.
Death Benefits
(i). the Insured passes away due to any cause other than the Advanced Stage Cancer and the Early-Stage Cancer Benefit has not been paid, the Insurer will pay the Death Benefit of 100% (one hundred percent) of total premiums paid and then the policy ends; or (ii). The Insured passes away due to any cause other than the Advanced Stage Cancer and the Early-Stage Cancer Benefit has been paid, the Insurer will pay Death Benefit of 100% (one hundred percent) of total premiums paid plus premiums waived (as referred to the Waive of Premium Benefit) until the Insured passes away and subsequently the Policy expires.
No Claim Bonus
Evaluation Period | No-Claim Bonus (% of total premium paid) |
Policy Year 1 - 5 | 30% of total Premiums paid during the 1st - the 5th policy year |
Policy Year 6 - 10 | 70% of total Premiums paid during the 6th – 10th policy year |
Insurance Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 |
Sum Assured | 150 million | 250 million | 500 million | 750 million | 1 billion |
Early-Stage Cancer Benefit | 20% of Sum Assured | ||||
Advanced Stage Cancer Benefits | 100% of Sum Assured, benefit payout minus paid Early-Stage Cancer Benefit (if any) | ||||
Waiver of Premium Benefit | Available after the Early Stage Cancer Benefit is approved by the Insurer | ||||
Condition | Death Benefit | ||||
Death Benefit | Early-Stage Cancer Benefit has not been paid | 100% of total premiums paid | |||
Early-Stage Cancer Benefit has been paid | 100% of total Premiums paid plus Waiver of Premium Benefit | ||||
Death Benefit is not payable if the Advanced Stage Cancer Benefit has been paid. |
Age | Monthly Premium (Rp) | |||||||||
Plan 1 (Rp150 million) | Plan 2 (Rp250 million) | Plan 3 (Rp500 million) | Plan 4 (Rp750 million) | Plan 5 (Rp1 billion) | ||||||
Men | Women | Men | Women | Men | Women | Men | Women | Men | Women | |
18 – 25 | 108.000 | 189.000 | 180.000 | 315.000 | 360.000 | 630.000 | 540.000 | 945.000 | 720.000 | 1.260.000 |
26 – 30 | 135.000 | 216.000 | 225.000 | 360.000 | 450.000 | 720.000 | 675.000 | 1.080.000 | 900.000 | 1.440.000 |
31 – 35 | 162.000 | 243.000 | 270.000 | 405.000 | 540.000 | 810.000 | 810.000 | 1.215.000 | 1.080.000 | 1.620.000 |
36 – 40 | 189.000 | 310.500 | 315.000 | 517.500 | 630.000 | 1.035.000 | 945.000 | 1.552.500 | 1.260.000 | 2.070.000 |
41 – 45 | 297.000 | 364.500 | 495.000 | 607.500 | 990.000 | 1.215.000 | 1.485.000 | 1.822.500 | 1.980.000 | 2.430.000 |
46 – 50 | 364.500 | 391.500 | 607.500 | 652.500 | 1.215.000 | 1.305.000 | 1.822.500 | 1.957.500 | 2.430.000 | 2.610.000 |
51 – 55 | 513.000 | 540.000 | 855.000 | 900.000 | 1.710.000 | 1.800.000 | 2.565.000 | 2.700.000 | 3.420.000 | 3.600.000 |
56 – 60 | 702.000 | 634.500 | 1.170.000 | 1.057.500 | 2.340.000 | 2.115.000 | 3.510.000 | 3.172.500 | 4.680.000 | 4.230.000 |
Term and Conditions:
Catatan:
Ketentuan Lainnya
Tertanggung
Tertanggung: 21 – 55 tahun
Tertanggung Tambahan (pasangan): 18 – 55 tahun
Tertanggung Tambahan (anak) : 6 bulan – 23 tahun
Pemegang Polis: 21 – 55 tahun
Catatan: Pemegang Polis harus sekaligus menjadi Tertanggung.
Masa Asuransi
10 tahun
Masa Pembayaran Premi
10 tahun
Umur Masuk Tertanggung/ Tertanggung Tambahan | Premi / bulan | |||
PLAN 1 (300.000) | PLAN 2 (500.000) | PLAN 3 (700.000) | PLAN 4 (900.000) | |
6 bulan - 23 tahun |
168.000 |
242.000 |
344.000 |
479.000 |
18 – 29 tahun |
120.000 |
181.000 |
246.000 |
317.000 |
30 – 39 tahun |
200,000 |
300.000 |
410.000 |
529.000 |
40 – 49 tahun |
272.000 |
411.000 |
558.000 |
722.000 |
50 – 55 tahun |
334.000 |
506.000 |
685.000 |
885.000 |
*)6 bulan-23 tahun untuk Tertanggung Tambahan (anak)
Catatan:
Optimum Solution for Protection against Critical Illness
Disclaimer (important):
OJK Disclaimer:
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