Mahacita Protection

Protection for a More Comfortable Future

Now is the time for you to plan your future by investing while protecting yourself from various risks in life. With MahaCita Protection, Zurich provides comprehensive protection and optimal investment opportunities, to create a pleasant future.

MAHACITA PROTECTION BENEFIT

DEATH BENEFIT

100% of the Sum Assured + Investment Benefits.

INVESTMENT BENEFITS

The amount of the Investment Value (if any) of the Unit balance formed in the Policy. Unit Price may increase or decrease depending on the performance of the Investment Fund. Investment Value is not guaranteed.

MAHACITA PROTECTION ADVANTAGES

MAXIMUM PROTECTION

Life protection up to 20 years (renewable, up to age 100 years old, without re-underwriting).
Death Benefit of 100% Sum Assured plus Investment Benefit.

MAXIMUM INVESTMENT

60% of Paid basic premium will be allocated to Investment in the first year, and 100% in 2nd year onwards.
Various option of Investment Funds regarding to your investment risk profile

MAXIMUM FEATURES

Affordable premium, starting from Rp 4 million/year.
No Lapse Guarantee in first 5 years of policy, which ensures your Policy will remain active even if the Fund
Loyalty Bonus up to 105% of Basic Premium, for customers who paid the Premium until the end of policy coverage.
Pengajuan Fasilitas Cuti Premi mulai tahun ke-6 dan Polis akan tetap aktif selama Nilai Investasi mencukupi untuk membayar biaya-biaya yang timbul
Premium Holiday Facility can be applied by customers, starting from the 6th year of policy and the Policy will remain active as long as the Investment Value is sufficient to pay the costs incurred.
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

Protection for Accidental risk: Maha Accidental Death Benefit (Maha ADB)
Protection for Health risk: Zurich H&S Max which can be added with Critical Illness Benefit (10 MCMB) and Extra annual limit benefit (Extra)
Protection for Critical Illness risk:
- Maha Critical Illness Plus (Maha CI Plus) & Maha Critical Illness Plus 85 (Maha CI Plus 85)
- Maha Critical Illness Early Care
Waiver of Premium
- Maha Waiver of Premium Plus (Maha WoPP)
- Maha Parent Payor (Maha PP)

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

Criteria	Remark
Age Entry of Insured	15 days – 65 years old (last birthday)
Age Entry of Policy Holder	18 – 99 years old (last birthday)
Coverage period	20 years (renewable up to age 100 years old)
Basic Regular Premium	Minimum IDR 4.000.000 /year
Regular Top Up Premium	Minimum IDR 1.000.000 / year Maximum 2 x Basic Premium
Sum Assured	Minimum: Whichever is higher IDR 100 million or 5 x Annual Basic Premium Maximum: Unlimited, subject to Zurich underwriting approvalch
Currency	Rupiah