MahaCita Protection is a life insurance product from PT Zurich Topas Life (ZTL) which cover life protection up until 100 years old and opportunity to optimal investation.

MahaCita Protection give two main benefit  :

• Death Benefit
• Investation Benefit

Privilege of MahaCita Protection :

• Investation start in the first year of policy
• Loyalty Bonus
• Guarantee for 5 years of active policy  
• Complete protection with additional insurance
• MahaCita Protection is here with 7 additional insurance for your complete protection such as :
  
  • Accident : Maha Accident Death Benefit
  • Health : Maha H&S (Hospital & Surgery)
  • Critical Illness :
    • Maha Critical Illness Plus & Maha Critical Illness Plus 85
    • Maha CI (Critical Illness) Early Care
  • Death :
    • Maha Waiver of Premium Plus
    • Maha Parent Payor

Investments

Other than comprehensive protection, MahaCita Protection from Zurich also provide optimal investation result with long term investation opportunity to fullfil your need in every life stages, with 5 selection of investment funds option to suit your profile and goal. 

Options of Investment Fund :

• ZurichLink Rupiah Money Market Fund
• ZurichLink Rupiah Fixed Income Fund
• ZurichLink Rupiah Flexible Fund
• ZurichLink Rupiah Equity Fund
• ZurichLink Rupiah Amani Equity Fund

General Criteria : 

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MahaCita Protection 2

We know that your life is precious. Therefore, Zurich presents MahaCita Protection 2 to help you enjoy life to the fullest, help you to fulfill your dreams and plan a prosperous old age.

MahaCita Protection 2 provides special benefits for you :

• Death Benefit
  100% of the Sum Insured plus Investment Benefits.
• Investment Benefits
  The amount of the Investment Value (if any), from the Unit balance formed in the Policy if the Insured reaches the age of 100 years and the Policy is still active.

MahaCita Protection 2 advantages:

• Maximum Protection
  • Life protection until the age of 100 years.
  • Death Benefit of 100% Sum Insured plus Investment Benefit.
• Maximum Investment
  • Investment allocation since the first year, start from 50% of the Basic Premium and 100% in the following year.
  • Various option of Investment Funds regarding to your investment risk profile
• Maximum Features
  • No Lapse Guarantee for the first 10 years, which ensures your Policy will remain active.*
  • Loyalty Bonus Up to 100% Basic Premium in the first 10 years.
  • Premium Holiday Facility, starting from the 3rd year and the Policy will remain active as long as the Investment Value is sufficient to pay the costs incurred.
  • Automatic Premium Payment Facility for Basic Premium by taking Single Top Up Premium Investment Value (if any) so that the Policy remains active.
  • Application process without medical check up for Sum Assured up to Rp10 billion.**
  • A wide selection of Additional Insurance Benefits (Riders) according to your needs.

* Term & condition applied
** Depends on the Insured's entry age

Additional Insurance Benefit (Riders) :

• Protection for Accidents: Maha Accidental Death Benefit
• Protection for your Health : Zurich H&S Max which can be added Critical Illness Benefit (10 MCMB) and Extra annual limit benefit (Extra).
• Protection for Critical Illness risk:
  Maha Critical Illness Plus & Maha Critical Illness Plus 85
  Maha Critical Illness Early Care
• Waiver of Premium
  Maha Waiver of Premium Plus
  Maha Parent Payor
  Maha Spouse Payor Rider

Investment Fund Options:

• ZurichLink Rupiah Money Market Fund
• ZurichLink Rupiah Fixed Income Fund
• ZurichLink Rupiah Flexible Fund
• ZurichLink Rupiah Equity Fund
• ZurichLink Rupiah Amani Equity Fund

General Specification:

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