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Maxi Protection

Protection throughout all stages of life

Why Maxi Protection?

Lifetime Protection

Life insurance up to 99 years

Loyalty Bonus

Loyalty Bonus up to 75% Basic Premium

Private Room

PHS Plus Rider for private inpatient rooms around the world

Maxi Protection

Maxi Protection

Important Information

Insurance Benefits

  • Death Benefit of up to 100% Sum Assured
  • Additional Death Benefit Due to Accident in the amount of Death Benefit, maximum of Rp500,000,000
  • Additional Death Benefit Due to Accident in common carrier in the amount of Additional Death Benefit Due to Accident, maximum of Rp500,000,000
  • Additional Benefit from different insurance riders

Risks and Exclusions

RISKS

This product is a unit link insurance plan and contains risks, including but not limited to, market risks, liquidity risks, risk of changing economic and political conditions, credit risks, withdrawal and redemption risk, tax risk, accountability risk of managed funds, and exchange rate risk.

EXCLUSIONS

Death benefit is not payable if the customer does not disclose the actual health information and the claim filed is included in the Exclusions.

See brochure for full risks and exclusions

Terms and Conditions

  • Age of the Insured: 18-70 years old
  • Minimum age of the policyholder is 18 years old

Disclaimer

This product is an insurance of PT AIA Financial (AIA) and is not a product of BCA. BCA shall not be responsible for such insurance products.

Read the full disclaimer

Fees

Fee

Description

Insurance Fee In force from the policy effective date and the amount depends on age and Sum Assured
Acquisition Fee

1st Policy Year: 70% of Annual Basic Premium

2nd Policy Year - onwards: 0% of Annual Basic Premium

Top-Up Fee 3% of Top-Up Premium
Administration Fee

Policy Year < 10 years: Rp27,500 or US$5/p>

Policy Year > 10 years: Rp15,000 or US$3

Maintenance Fee 3.5% (Rupiah Policy) or 3% (US Dollar Policy) per year charged to Basic Premium Account Value carried out on the first 7 years of policy

Get the Product

Leave Contact Feature on WELMA
Click the "I AM INTERESTED" button on product information details
AIA Bancassurance Consultant
Visit BCA Branch Office

Additional Insurance

Health Insurance Rider
Premier Hospital & Surgical Plus (PHS Plus), Hospital & Surgical Protection (HS Pro), Hospital & Surgical Plus (HS Plus)
Critical Illness Insurance Rider
C3 Additional, C3 Enhancer dan Severity Critical Illness
Premium Exemption Supplemental Insurance
Waiver of Premium (TPD+CI), Waiver of Premium C3, Spouse Waiver (TPD+CI), Spouse Waiver C3, Payor Waiver (TPD+CI), Payor Waiver C3

FAQ

How long is the Insurance Period and Premium Paying Term?

Until the Insured turns 99 years old

What are the benefits if I pay my Premiums regularly?

  • Basic Premium paid in full until the 10th, 11th, and 12th policy year
  • Withdrawal of accumulated Basic Premium Account Value is not greater than twice the Annual Basic Premium
  • 10th Policy Year by 15%, 11th by 25%, 12th by 35%

What are the requirements to get the Loyalty Bonus and How much?

No, investment returns may change at any time (higher or lower) according to market conditions and are not guaranteed.