Face the uncertainties in life with financial planning and life protection for you and your family with Zurich Plan Protector, an insurance product that provides life and financial protection benefits, which can be customized according to your needs, to protect you in every stage of life.

Product Highlights
Zurich Plan Protector is an endowment life insurance product that provides life insurance and saving benefits to protect you at every phase of your life.

With Zurich Plan Protector, you can choose the right protection based on your needs, such as:

1. The Schedules of Savings Benefit Payment
   You can choose the Savings Benefit Payment Schedule on the 10th, 11th or up to the 20th Policy year.
2. The Amount of Savings Benefit
   You can decide the amount of the Savings Benefit from 100% to 200% of all paid premiums.
3. The Premium Payment Period
   You can choose premium payment periods of 1, 2, up to 10 years.
4. The Amount of the Sum Assured
   You can decide the amount of Sum Assured according to your needs.
5. Additional benefits (Rider)
   You can include additional benefits (riders) to complement the protection.

Insurance Benefit

1. Savings Benefits
   Zurich Plan Protector's Savings Benefit will help you manage your financial planning in preparation for your future life such as education fund, pension fund, reserve fund for unexpected needs, and other financial planning.
   Zurich Life will pay Savings Benefit based on options that can be customized according to your needs, with the following conditions:
   1. The Savings Benefit is paid once at the time of your choice, i.e., 10th, 11th or up to 20th policy year.
   2. The amount of Savings Benefit can be determined by you ranging from 100% to 200% of all Premiums paid.
2. Death Benefits
   Zurich Plan Protector provides protection from the risk of death, up to 100% of the Sum Assured.
3. Accidental Death Benefit
   Zurich Plan Protector also provides protection from the risk of death by accident in the form of 10% Sum Assured up to 10 million rupiah, after the savings benefit is paid.
4. Policy Redemption Benefits
   1. You can apply for Policy Redemption in the period prior to the Benefit payment schedule. This benefit will be paid according to the amount stated in the Zurich Plan Protector Policy Summary.
   2. As stated in the Zurich Plan Protector Policy Summary, Zurich will not pay this benefit if you apply for Policy Redemption on the same date as the Savings Benefit’s Payment Schedule.

Additional Benefits

Zurich Life Optima is an additional insurance product to optimize your life and financial protection.
Zurich Life Optima provides protection from the risk of death due to any cause before the age of 100 and the policy is still in force, in the form of 100% payment of Zurich Life Optima Sum Assured.

Terms & Condition

 Zurich Plan Protector :

Insurance Type	Combination Endowment Life Insurance
Policyholder entry age	18 - 99 years (based on the last birthday)
Insured entry age	30 days - 70 years (based on the last birthday)
Insurance Period	Up to 100 years old
Minimum Sum Assured	Rp 50.000.000,-
Minimum Premium	Rp 4.000.000,-
Premium Payment Period	1,2, up to 10 years
Option of Schedule for Payment of Saving Benefit (in the– Policy year)	10,11,12,13,14,15,16,17,18,19, or 20
Premium payment Frequency	All at once, Annual, semiannual, quarterly, and monthly
Currency	Rupiah (IDR)

 

Zurich Life Optima :

Insurance Type	Term Life Protection Supplemental Insurance
Policyholder entry age	18  - 99 years (based on the last birthday)
Insured entry age	30 days - 70 years (based on the last birthday)
Insurance Period	Up to 100 years old
Minimum Sum Assured	Rp 10.000.000,-
Premium Payment Period	Up to 100 years old
Premium payment Frequency	Following the provisions of Basic Insurance
Currency	Rupiah (IDR)

 

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