Why Should You Have Proteksi Wholelife Income Maksima (HOKI)?
Lifetime Protection
Up to 99 y.o at 110% of total Annual Basic Premium which has been paid.
Guaranteed Annual Living Benefit up to Age of 99 y.o
Paid annually until the age of 99 y.o, starting from the beginning of Policy Year 4 for a 5-year Premium Payment Term, and from the beginning of Policy Year 6 for a 10-year Premium Payment Term.
Guaranteed Living Benefit Booster
Up to 110% of Sum Assured which is paid at the beginning of 16th Policy Year.
Proteksi Wholelife Income Maksima (HOKI) is traditional life insurance with protection period up to 99 years old.
Need To Know
Product Benefit
Plan
Premium
Annual Basic Premium ≥ IDR 50,000,000
Deluxe
Annual Basic Premium ≥ IDR 24,000,000
Lite
Annual Basic Premium ≥ IDR 8,000,000 to < IDR 24,000,000
Premium Payment Term
5 years
10 years
Guaranteed Benefit
i. Guaranteed annual living benefit*
5% - 35%
10% - 50%
10% - 50%
ii. Guaranteed living benefit booster*
110%
110%
60%
iii. Guaranteed maturity benefit **
110%
110%
110%
Non-Guaranteed Benefit
i. Non-guaranteed annual benefit
✓
✓
✓
ii. Non-guaranteed cash value benefit
✓
✓
✓
Death benefit**
1st Policy Year: 100%
≥2nd Policy Year: 110%
1st Policy Year: 100%
≥2nd Policy Year: 110%
1st Policy Year: 100%
≥2nd Policy Year: 110%
Maturity Benefit
✓
✓
✓
Note:
* of Annual Basic Premium or Sum Assured
** of total Annual Basic Premium has been paid
Risk
The product contains risks, including but not limited to, changes in economic and political condition risks, policy cancellation risks, credit risks, claim risks and operational risks
Exception
Death benefits will not be paid if the Insured passes away due to virus HIV, insurance crimes, self-inflicted injuries other acts towards the similar purpose of suicide in the period of 2 (two) years as from the Effective Date of Policy or Reinstatement date, whichever later;
List of Exclusions is further detailed in the Policy.
Terms and Conditions
Entry Age
Insured: 1 month – 55 y.o
Policyholder: Minimum 18 y.o
Brochure
Complete product information can be viewed through the brochure.
Disclaimer
BCA and AIA are licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan).
This insurance product is an insurance product of PT AIA Financial (AIA) and is not a product of BCA. BCA is not responsible for these insurance products.
COST
The fees charged on this product are only Premium. The amount of Basic Premium depends on Premium Payment Term, Plan chosen, and your Insurance Benefit Amount.
The premiums paid by the Policyholder have taken into account the components of fees and commissions that Insurer provides to salesforce and bank partners in the context of bancassurance partnership.
How long is coverage period of Proteksi Wholelife Income Maksima (HOKI)?
Until the Insured reaches 99 y.o.
What is the minimum Premium and Sum Assured for Proteksi Wholelife Income Maksima (HOKI)?
Minimum Annual Basic Premium
Prime: IDR50,000,000
Deluxe: IDR24,000,000
Lite: IDR8,000,000
Minimum Sum Assured
Prime: IDR50,000,000
Deluxe: IDR24,000,000
Lite: IDR8,000,000.
How long is Premium Payment Term of Proteksi Wholelife Income Maksima (HOKI)?
5 years or 10 years.
What are available currencies of Proteksi Wholelife Income Maksima (HOKI)?
Rupiah (IDR).
What is Free Look Period terms of Proteksi Wholelife Income Maksima (HOKI)?
14 calendar days from Policy received date by the Policyholder.
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