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Q Protection

Plan your future the way you want it

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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
DEATH BENEFIT

Provides Life and Death Benefits for the insured and beneficiary.

GUARANTEED SCHEDULED
GUARANTEED SCHEDULED

Additional guaranteed scheduled benefit payment that will be paid according to the selected premium payment period.

PAYMENT PERIOD OPTIONS
PAYMENT PERIOD OPTIONS

Fixed premium with various premium payment period options (based on the age when the product is taken)

OFFERS FACILITIES
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
Maximum: 60 years old - Premium Payment Period taken

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:

  1. Suicidal death that occurs within 2 (two) years after the coverage period starts (or within 2 (two) years from the Policy reinstatement date);
  2. Death sentence by the court;
  3. The Insured work/occupation such as military, police, pilot, mining worker, as far as the work is not covered or stated in the application;
  4. 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;
  5. Intentional crime action performed by those with an interest in the Sum Insured, therefore the Insurer is exempted from any financial obligation; or;
  6. 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 This email address is being protected from spambots. You need JavaScript enabled to view it..

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