The future well-being of your family depends on what you do today. Provisa Max is here to provide a solution for your financial planning that gives you protections plus additional funds in the future.
By choosing Provisa Max, you get several benefits from the one decision, life insurance and a flexible long term investment according to your current and future needs.
|Premium Payment Method||Minimum Basic Premium|
|Yearly||Rp 7,800,000 / year|
|Monthly||Rp 650,000 / month|
By combining life insurance and a long term investment, Provisa Max has various extra benefits for you and your family.
Provisa Max offers 2 types of benefits you can obtain simultaneously:
Life Insurance Benefits
* Complete terms and conditions is included in the policy
You or your beneficiary will be entitled to receive an accumulation of your investment.
Illustration of Benefits
The growth assumption of Investment Benefits above is just an illustration and not a guarantee. The level of investment and growth of Investment Funds can be higher or lower. The Investment Benefit value could be larger or smaller than the invested funds.
The growth of investments depends on the Unit Value (NAV).
|1. Plan A||:||100%||IDR Equity Fund|
|2. Plan B||:||50%
|IDR Equity Fund dan
IDR Fixed Income Fund
|3. Plan C||:||100%||IDR Fixed Income Fund|
|4. Plan D||:||100%||USD Fixed Income Fund|
|5. Plan E1||:||100%||IDR Money Market Fund|
|6. Plan S||:||100%||Berkah Fund|
Investing in unit link products includes risks, including but not limited to political risks, government regulation alteration risks or other regulations, interest rate alterations risks, liquidity risks, equity value risks, and foreign exchange value risks, that could effect the performance of the investment both directly or indirectly.
All risks related to the type of investment chosen is the sole responsibility of the individual.
|Type of Fee||Description|
|Acquisition Fee||- First Year: 50% Basic Premium
- Second Year and after : 0% Basic Premium
|Top-Up Fee||3% from Top-Up Premium|
|Investment Management Fee||Maximum 2.5% per year of the investment portfolio|
|Insurance Fee||Amount based on age and Insured Amount as much as 0.23 - 8.24 per 1000 Insured Amount per month|
|Administration Fee||Determined by the applied regulation|
|Maintenance Fee||Determined by the applied regulation|
|Cash Withdrawal Fee||Will be applied if the Policy is cancelled or cashed out during a certain Policy year. Top-Up cash withdrawal will not be charged with a fee.|
* Update per January 26 2012
Our commitment to our customers is that obtaining the product is as easy as possible. The Provisa Max service can be obtained by following a few simple steps. Just come to your nearest BCA branch and fulfill the following requirements.
|Terms & conditions||Insured Client||Insured|
|Age when applying for the policy||Minimum 18 years||1 month - 65 years|
|Necessary Documents||Photocopy of valid ID (ID / Driver's License / Passport)
Photocopy of Family Card/ Birth Certificate (if necessary)
|In what form will the Loyalty Bonus be given?||Loyalty Bonus will be credited directly to your investment funds in the form of investment units.|
|Can the type of investment be altered in the future?||You can change your type of investment a maximum of 4 times in 1 year.|
|What Riders are available?||Additional Insurance / Riders available include :
|Can you alter the payment method from monthly to yearly or vice versa?||Yes, during the anniversary of your Policy by filling out a Form of Change.|
For further information, please contact: