If the Insured has one of the following events during Policy year 1 and Policy year 2:

1. Death due to any causes,
2. Diagnosed with 1 of 43 Critical Illnesses for the first time, or
3. Has Total and Permanent Disability

The Insurer will pay an Insurance Benefit of 100% of total Basic Premiums that have been paid and the coverage ends.

• 100% of Sum Assured will be paid to Beneficiaries as stated in the Policy Summary, if the Insured dies due to Illness after Policy year 2 and before Policy year 30.
• If the Insured dies due to Illness after Policy year 30, this benefit will not be applicable.

• 100% of Sum Assured will be paid to Beneficiaries as stated in the Policy Summary, if the Insured dies due to Illness before Policy year 30.
• If the Insured dies due to Illness after Policy year 30, this benefit will not be applicable.

Note

• Claim payment of Death due to Illness does not terminate the coverage, unless the Annual Benefit and Anticipated Endowment Benefit (if any) have been paid. Annual Benefit and Anticipated Endowment Benefit will be paid to Policyholder.
• If the Policyholder and the Insured are the same individual, then if the Insured dies, need to change the new Policyholder while still considering the Insurable Interest as stated in the ZIAP Policy provisions, so that the Annual Benefit and Anticipated Endowment Benefit can be paid.

• 200% of Sum Assured will be paid to Beneficiaries as stated in the Policy Summary, if the Insured dies due to an Accident after Policy year 2 and before Policy year 30.
• IDR10million will be paid to Beneficiaries as stated in the Policy Summary, if the Insured dies due to an Accident after Policy year 30 and the Policy will be terminated.

• 200% of Sum Assured will be paid to Beneficiaries as stated in the Policy Summary, if the Insured dies due to an Accident before Policy year 30.
• IDR 10million will be paid to Beneficiaries as stated in the Policy Summary, if the Insured dies due to an Accident after Policy year 30 and Policy will be terminated.

1. If the Insured dies due to an Accident, the Insurer will pay the benefits as mentioned above with the condition that the Insured dies within a maximum period of 90 (ninety) calendar days since the date of the Accident.
2. Claim payment of Death due to Illness does not terminate the coverage, unless the Annual Benefit and Anticipated Endowment Benefit (if any) have been paid. Annual Benefit and Anticipated Endowment Benefit (if any) will be paid to Policyholder.
3. If the Policyholder and the Insured are the same individual, then if the Insured dies, need to change the new Policyholder while still considering the Insurable Interest as stated in the ZIAP Policy provisions, so that the Annual Benefit and Anticipated Endowment Benefit (if any) can be paid.

The Insurer will pay the Annual Benefit to the Policyholder in line with the selected Annual Benefit Payment schedule with the following condition:

• Annual Benefit will be paid on a yearly basis, starting from the chosen schedule until the Policy year 30.
• Annual Benefit schedule can be chosen starting following table

• Annual Benefit is percentage of Sum Assured follows the table below:

• *Please refer to the Notes related to Annual Benefit and Anticipated Endowment Benefit.

Policyholder can choose Anticipated Endowment Benefit payments up to 3 times payment. The Policyholder has the option to not select the Anticipated Endowment Benefit.

• Anticipated Endowment Benefit schedule can be chosen starting following table.

• Anticipated Endowment Benefit is percentage of Sum Assured, which is following the table below.

• Please refer to the Notes related to Annual Benefit and Anticipated Endowment Benefit

Notes for Annual Benefit and Anticipated Endowment Benefit:

• After the Policy is effective, the Policyholder is not allowed to change the Annual Benefit and Anticipated Endowment Benefit payment schedule.
• Considering the growth of investment in this product portfolio, the Insurer has the right to change the percentage amount of Annual Benefit and Anticipated Endowment Benefit, and this condition will apply to New Business Policies.
• Policyholder can make financial planning by using the Annual Benefit and Anticipated Endowment Benefit as a preparation for future life which is an Education fund, Pension fund, funds for unexpected needs, and other financial planning.

• If the Insured is diagnosed with one of the 43 Critical Illnesses/suffers Total Permanent Disability after Policy year 2 and before the end of Premium Payment Period, the remaining Basic Premium will be waived and the policy remains active. Basic Premium that will be waived is the next Basic Premium after the claim is approved.
• Premium waiver benefit will not be applicable for Single Premium Payment method.
• If claim for Premium Waiver benefit is never made until the end of the Premium Payment period, the Insurer is not obliged to pay the Premium Waiver benefit.

• If the Insured is diagnosed with one of the 43 Critical Illnesses/suffers Total Permanent Disability within the Premium Payment period, the remaining Basic Premium will be waived, and the Policy remains Active. Basic Premium that will be waived is the next Basic Premium after the claim is approved.
• Premium Waiver benefit will not be applicable for Single Premium Payment Method.
• If claim for Premium Waiver Benefit is never made until the end of the Premium Payment period, the Insurer is not obliged to pay the Premium Waiver benefit.

Types of Basic Insurance

Traditional - Endowment Combined

Option Plan dan Underwriting Method

Policyholder Entry Age

18–99 years

Insured Entry Age

Minimum 30 days, maximum based on the chosen Premium Payment Period

Coverage Period

Premium Payment Period

Single/3/5/10 years

Minimum Basic Premium

Based on the chosen Premium Payment Period

Frequency of Premium Payment

Single, Annually, Semi-Annually, Quaterly, Monthly