BCA - Benefits Illustration

Benefits Illustration

The Insured choose the Secure Plan (with Living Benefit) and additional Waiver of Premium Plus Insurance:

Insured Name	: Arif	Sum Assured (SA)	: IDR 500.000.000
Age	: 40 years	Basic Insurance Premium	: IDR 43.275.000/year
Gender	: Male	Additional Insurance Premium (Rider)	: IDR 125.400/year
Coverage Period	: Until the Insured reaches the age of 99	Premium Payment Frequency	: Yearly
		Premium Payment Period	: 5 years

Sum Assured Growth Table

Note:

This illustration is non-binding, does not constitute an insurance agreement, and is not part of the Policy.
The Death Benefit will be reduced by Living Benefit and/or Terminal Illness Benefit that has been paid (if any), then the Policy terminate.

ILLUSTRATION

Scenario 1

Condition of Mr. Arif	Insured’s Age	Benefit Details	Benefit Payable
Death due to Accident	55 year	175% SA + additional 100% SA = IDR 875.000.000 + IDR 500.000.000	IDR 1.375.000.000

Scenario 2

Condition of Mr. Arif	Insured’s Age	Benefit Details	Benefit Payable
Diagnosed with Terminal Illness	45 year	20% UP	IDR 100.000.000
If Mr. Arif survives	60 year	50% total paid Premium = 50% x IDR 216.375.000	IDR 108.187.500
Death due to illness	65 year	195% SA reduced by Living Benefit and Terminal Illness Benefit that has been paid = IDR 975.000.000 – IDR 108.187.500 – IDR 100.000.000	IDR 766.812.500
If Mr. Arif survives until the Policy Maturity Date and the Policy is still active	99 year	200% SA reduced by Living Benefit and Terminal Illness Benefit that has been paid = IDR 1.000.000.000 – IDR 108.187.500 – IDR 100.000.000	IDR 791.812.500

Scenario 3

Condition of Mr. Arif	Insured’s Age	Benefit Details	Premium Waiver
Suffering an Accident resulting in Total Permanent Disability	43 year	Basic Insurance Premium waiver from 4^thPolicy Year to 5^th Policy Year	IDR 43.275.000/year

The Insured choose the Essential Plan (without Living Benefit) and additional Payor Benefit Plus Insurance:

Policyholder Name	: Nayla	Sum Assured (SA)	: IDR 500.000.000
Age	: 40 years	Basic Insurance Premium	: IDR 38.410.000/year
Gender	: Female	Additional Insurance Premium (Rider)	: IDR 276.500/year
Insured Name	: Arif	Premium Payment Frequency	: Yearly
Age	: 40 years	Premium Payment Period	: 5 years
Gender	: Male
Coverage Period	: Until the Insured reaches the age of 99