Additional benefits 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.
Premier Hospital & Surgical Extra (PHS Extra), Hospital & Surgical Plus (HS Plus), Hospital & Surgical Protection (HS Protection), dan Hospital Income
Critical Illness Insurance Rider
Vital Care
Waiver of Premium Rider
Waiver Care, Spouse Waiver, dan Payor Waiver Care
Life Insurance Rider
Personal Accident
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?
Loyalty Bonus of 100% First Year Basic Premium or lowest Basic Premium (whichever is lower) at the end of 10-year term
Extra Allocation Premium up to 10% of First Year Basic Premium or lowest Basic Premium (whichever is lower)
Is the estimated Account Value on the Benefit Illustration guaranteed?
No, investment returns may change at any time (higher or lower) according to market conditions and are not guaranteed.
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