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Zurich Income Assurance Plan (ZIAP)

Live fully, protect completely

Laporan Tahunan

Now is the time to create a meaningful life with Zurich Income Assurance Plan (ZIAP). Through ZIAP, you and your loved ones can have complete protection for life and financial to fulfill a convenient future.

PRODUCT ADVANTAGE

PROVIDES COMPLETE INSURANCE BENEFITS
PROVIDES COMPLETE INSURANCE BENEFITS

ZIAP provides various insurance benefits, which is Death Benefits, Waiver of Premium, Annual Benefits, and Anticipated Endowment Benefits.

OFFERS A VARIETY OF ANNUAL BENEFIT AND SAVING BENEFIT PAYMENT SCHEDULE OPTIONS
OFFERS A VARIETY OF ANNUAL BENEFIT AND SAVING BENEFIT PAYMENT SCHEDULE OPTIONS

Policyholders can choose when the Annual Benefit and Anticipated Endowment Benefit will be paid with a total Annual Benefit and Anticipated Endowment Benefit up to 675%* of Sum Assured.

FLEXIBLE IN CHOOSING PREMIUM PAYMENT PERIOD
FLEXIBLE IN CHOOSING PREMIUM PAYMENT PERIOD

Policyholders can choose the premium payment period they prefer, which is Single/3/5/10 years.

FLEXIBLE IN DETERMINING THE SUM ASSURED
FLEXIBLE IN DETERMINING THE SUM ASSURED

Policyholders are allowed to determine the desired Sum Assured following their financial planning.

HAS 2 PLANS THAT CAN BE SELECTED ACCORDING TO THE PREFERRED UNDERWRITING METHOD PLAN OPTION UNDERWRITING METHOD
HAS 2 PLANS THAT CAN BE SELECTED ACCORDING TO THE PREFERRED UNDERWRITING METHOD PLAN OPTION UNDERWRITING METHOD
  • Plan Option : Zurich Income Assurance Plan - Solusi, Metode Underwriting : Simplified Issuance Offer (SIO).
  • Plan Option : Zurich Income Assurance Plan - Mandiri, Metode Underwriting : Non-Guaranteed Acceptance (Full Underwriting).

Notes:
*The total amount of Annual Benefit and Anticipated Endowment Benefit given is based on the chosen schedule of Benefit payment.

INSURANCE BENEFIT

Plan ZIAP Solusi
Simplified Issuance Offer (SIO)

Plan ZIAP Mandiri
Full Underwriting

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.

Not Available

GENERAL CRITERIA

Criteria

Information

Types of Basic Insurance

Traditional - Endowment Combined

Option Plan dan Underwriting Method

Option Plan

Underwriting Method

Zurich Income Assurance Plan – Solusi

Simplified Issuance Offer (SIO)

Zurich Income Assurance Plan – Mandiri

Non-Guaranteed Acceptance
(Full Underwriting)

Policyholder Entry Age

18–99 years

Insured Entry Age

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

Premium Payment Period (years)

Maximum Age (years)

Single

70

 3 & 5

60

10

55

Coverage Period

Up to Insured 100 years

Premium Payment Period

Single/3/5/10 years

Minimum Sum Assured

IDR100.000.000 (ZIAP Sum Assured will be accumulated with the Sum Assured of other ZIAP policies that you have (if any))

Minimum Basic Premium

Based on the chosen Premium Payment Period

Premium Payment Period (years)

Minimum Premium

Single,3, and 5

IDR50.000.000

10

IDR25.000.000

Frequency of Premium Payment

Single, Annually, Semi-Annually, Quaterly, Monthly

Currency

Indonesian Rupiah

Rider (Additonal Insurance)
This product don’t have a rider

Exclusions, Product Benefit Illustrations, and Claims Submission Procedures
Information related to limitations, illustrations of ZIAP benefits, and Claim Submission Procedures can refer to the ZIAP General RIPLAY and brochure document (don’t have english version)

OTHER ZURICH INSURANCE PRODUCTS

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