Q Protection
Plan your future the way you want it
Get insurance protection as early as possible to protect you and your family’s future from the risk of illness, critical illness, accident, and death. Insurance will guarantee your financial security from the unexpected risks. Plan the unplanned by having insurance coverage to plan your future needs such as savings, retirement funds, and children education fees. Sequis Financial offers Q Protection that provides life and death benefits as well as guaranteed scheduled benefit payment for the Insured and beneficiary.
PRODUCT BENEFIT
DEATH BENEFIT
Provides Life and Death Benefits for the insured and beneficiary.
GUARANTEED SCHEDULED
Additional guaranteed scheduled benefit payment that will be paid according to the selected premium payment period.
PAYMENT PERIOD OPTIONS
Fixed premium with various premium payment period options (based on the age when the product is taken)
OFFERS FACILITIES
Offers facilities for customers:
- Cash Value
- Automatic Premium Loan
- Reduced Paid Up
- Extended Term Insurance
- Free Look Period
- Grace Period
- Policy Reinstatement
- Policy Loan
- Change of Sum Insured
- Change of Payment Mode
TERM & CONDITION
Criteria | Remarks |
|---|---|
Entry Age | Minimum: 1 month old |
Premium Payment Period | 5, 7, or 9 years |
Coverage Period | Up to Insured’s attained age 75 |
Age Max | 75 years |
Sum Insured | Minimum: Rp50 million |
Mode of Payment | Yearly, Semesterly, Quarterly, and Monthly |
Lien Clause * | If the child insured died due to non-accidental before the age of 5, the Sum Insured shall be paid proportionally in accordance with the applicable Lien Factor in Policy Contract |
Contestable Period | Contestable Period is 2 (two) years from the date of insurance contract started as specified in Policy Contract or the Policy reinstatement date (if any), which one is the latest. |
Currency | Rupiah |
Distribution Method | Bancassurance |
* Clause that provides information on any of the insurance benefits within a certain period as long as the Policy is still valid.
Exclusion
The Insurer is exempted from any financial obligation if the Insured dies due to:
- Suicidal death that occurs within 2 (two) years after the coverage period starts (or within 2 (two) years from the Policy reinstatement date);
- Death sentence by the court;
- The Insured work/occupation such as military, police, pilot, mining worker, as far as the work is not covered or stated in the application;
- The Insured’s sports/hobbies which contain risks such as car racing, motorbike racing, horse racing, aerospace sports, sailing, mountain climbing, boxing, and other sports that contain dangerous and similar risks as far as the sports/hobbies that are not covered;
- Intentional crime action performed by those with an interest in the Sum Insured, therefore the Insurer is exempted from any financial obligation; or;
- Actions and/or attempts to violate the law.
Contact
If you are interested and would like to know more about Sequis products and services, please contact Sequis Financial Customer Service (62-21) 5226 677 on business days at 8.15 am to 5.00 pm or by email to
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