Introducing Our Product

Sincerity will always result in blessings, just the same as your family’s financial planning.

No one can predict the future yet you can protect yourself from early on. Provisa Syariah invites you to plan your family's future well being in a sincere way.

Provisa Syariah is here for those of you who want to get insurance and invest your funds in halal, trustworthy and reliable types of investments.

Main Advantages

  • An insurance product with a variety of investment options that are according to the syariah principle
  • Low and quick acquisition fee with a total loyalty benefit up to 75% for the 10th, 11th, and 12th policy year.
  • Optimal development results and a more controlled investment risk with periodic contribution payments.

Basic Contribution

Provisa Syariah has basic contribution limit payments by the customer. The basic contributions can be paid in monthly or yearly installments, according to the customer's capability.

How to Pay Contributions Minimal (Rp) Maximal (Rp)
Yearly 5,000,000 14,000,000
Monthly 400,000 1,200,000
Benefits

Sincerity will always result in blessings. Aside from guaranteed halalinvestments, also obtain other benefits during your time with us.

Advantages

  1. Your funds will be invested in types of investments that are trustworthy and halal
  2. Maximum investment growth, because 25% Basic Contribution of the First Year policy and 100% starting from the Second Year is immediately invested.
  3. Opportunity to obtain Loyalty Benefits in the amount of 75% of the Basic Yearly Contribution, given gradually at the 10th, 11th, and 12th year of contributions.
  4. The Insured Amount chosen is as much as 5 – 25 times of the Basic Yearly Contribution.
  5. Opportunity to obtain Surplus Underwriting Tabarru' Funds, if by the end of the year the income of the Tabarru' Fund is higher than the expenses of the Tabarru' Fund.

Benefits

  1. Investment benefits that result from the invested contributions.
  2. Death benefits as much as 100% of the Insured Amount up to 80 years old.
  3. Additional benefits for death caused by accidents with an Insured amount of maximum Rp 500 million, up tp 70 years old.
  4. Additional benefits for death in public transportation and / or religious travel as much as the Additional Insured Amount Caused by Accidents, up to 70 years old.

Optimum Protection

Including the Additional Insurance to your Provisa Syariah can optimize your protection :

  1. Hospital & Surgical Syariah
    Additional insurance for comprehensive health insurance with Inpatient Benefits, Surgical Benefits, Medical Benefits and Outpatient Benefits
  2. Executive ASRI Syariah
    Additional insurance with Daily Cash Benefits if the Customer undergoes Inpatient Care as a result of illness or physical injury.
  3. Payor Term Syariah
    Periodic insurance that provides protection to the Policy Holder if he or she dies from illness or because of an accident.
  4. Waiver of Contribution (TPD)
    Additional insurance with No Contribution Payments if the Customer becomes Permanently Totally Disabled.
  5. Waiver of Contribution (TPD+CI)
    Additional insurance with No Contribution Payments if the Customer becomes Permanently Totally Disabled or is Critically Ill.
  6. Spouse Waiver Syariah (TPD)
    Additional insurance with No Contribution Payments if the husband/ wife of the Customer becomes Permanently Totally Disabled.
  7. Spouse Waiver Syariah (TPD+CI)
    Additional insurance with No Contribution Payments if the husband/ wife of the Policy Holder becomes Permanently Totally Disabled or is Critically Ill.
  8. Payor Waiver Syariah (TPD)
    Additional insurance with No Contribution Payments if the Policy Holder becomes Permanently Totally Disabled.
  9. Payor Waiver Syariah (TPD+CI)
    Additional insurance with No Contribution Payments if the Policy Holder becomes Permanently Totally Disabled or is Critically Ill.

Illustration of Benefits

Example: Age of customer is 35 years old. Basic Contribution of 
Rp 10,000,000/year, Investment Amount of Rp 100,000,000. Investment Assumption Level at 13.5%


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).

Investment Risk

Investing in unit link products includes risks, including yet 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 are the sole responsibility of the individual.

You Should Know
Type of Fee Description
Acquisition Fee First Year : 75% basic yearly contribution
Second Year etc : 0% basic yearly contribution
Tabarru' Payments Amount of Tabarru Premium will vary every year depending on Member's Age and number of Amount Insured
Top Up Fee 3% from Top Up Contribution
Policy Maintenance Fee 1st to 7th year policy : 3.5% per year from the Basic Account Contribution Value.
Investment Management Fee Maximum 2.5% per year from the investment portfolio.
Policy Administration Fee 1st to 10th year policy : Rp 27,500
11th year etc. : Rp 15,000
Risk Administration Fee Amount of Administration Fee will vary every year depending on Member's Age and number of Amount Insured
Policy Cancellation Fee Will be applied if the Policy is cancelled during the first 7 years of the Policy.
Top Up Fund Withdrawal No fee
Tabarru' Fund Management No fee
Other Fees Will be charged based on the transaction according to the applied regulation.

* Update per January 26 2012

Get the Product

Comfort and ease in transacting is a part of our commitment to our customers. You can get the Provisa Syariah service at Your nearest BCA branch by fulfilling the following terms and conditions.

Terms & conditions Policy Holder Insured Client
Citizenship Indonesian Citizen Indonesian/ Foreign Citizen
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)

For further information, please contact:

Provisa Syariah has been approved by the AIA Syariah Advisory Board recommended by the National Advisory Board – Indonesian Ulama Countil (MUI).

FAQ
Question Answer
How much Loyalty Benefits will I receive?
Contribution year Loyalty Benefits from Basic Yearly Contribution
10 15%
11 25%
12 35%
How can I Claim? You can Claim by filling out an Insurance Benefit payment request form (for Death Benefits) or Transaction Form (for Investment Benefits) plus other necessary documents needed as stated in the regulations for applying for Benefits, and then submitting it to PT AIA Financial.
Will I be able to alter my Type of Investment Plan in the future? Yes, you can alter the Plan you own to another one by filling out a Unit Link Transaction form.

Disclaimer:

  • This insurance product is a product owned by PT AIA Financial and is neither a product nor the responsibility of PT BANK CENTRAL ASIA Tbk ("BCA"). BCA is only a party that refers or recommends PT AIA FINANCIAL as an insurance product. This product is not guaranteed by BCA and is not included in the guarantee program included in the regulations regarding loan institutions.
  • BCA is not responsible for all information and materials included in the brochure for this insurance in addition to the alterations or other documents officially approved or applied by PT AIA FINANCIAL.
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