Mahacita Protection:
Investment-linked Insurance
Protection for a comfortable future with optimal investment opportunities
MahaCita Protection Product Excellence
We protect your life and opportunity to invest optimally
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- Investment starts in the first year of the policy, 60% of the basic premium
- Loyalty bonus
- No lapse guarantee for the first 5 years of policy
- Flexible to extend the insurance period, up to 100 years old
- Range of additional insurance to meet your needs
What Does Mahacita Protection Cover?
Protect yourself and your family, for a better future. Know how we can help you.
- Death Benefit
- Investment Benefit
| No | Investment Fund |
| 1 | ZurichLink Rupiah Money Market Fund provide a relatively stable rate of return through investment in money market. |
| 2 | ZurichLink Rupiah Fixed Income Fund for medium to long term capital growth through investment in fixed income securities and money market. |
| 3 | ZurichLink Rupiah Flexible Fund for long-term capital growth through investment in money market investment instruments, fixed income and stocks. |
| 4 | ZurichLink Rupiah Equity Invest Fund for long-term capital growth by investment in securities and time deposits. |
For more information about Investment Funds, please visit our Zurich Fund page.
Last year, I was hospitalized three times, and each experience was supported by Zurich’s fast and reliable service. The claims process was smooth and hassle-free, giving me peace of mind knowing that my health protection was backed by a service I can trust.
Protection for You and Your Family
Life protection with optimal future investment is a way to enjoy your life.
Documents related to MahaCita Protection
Frequently Asked Questions
PAYDI (Produk Asuransi Yang Dikaitkan dengan Investasi) or what used to be called ‘unit-linked’ insurance is an insurance product that combines life insurance coverage with investment benefits in a single policy. Through this product, policyholders can protect themselves while also building investment value managed by the insurance company in line with their financial goals.
When you pay a premium, a portion of the funds is allocated to life protection, while the remainder is invested in various instruments, such as stocks or bonds. The value of these investments can grow over time, but it remains subject to market conditions and involves risk.
Traditional insurance generally provides only protection benefits without any investment component, whereas PAYDI insurance offers a combination of protection and investment value in a single product. Additionally, PAYDI insurance provides flexibility in fund allocation and offers optional additional benefits tailored to the customer’s needs.
Investments in PAYDI insurance are medium to long term in nature, so optimal returns will be realized over several years. This is because the invested funds follow market movements. Therefore, the value may rise or fall over a given period.
PAYDI insurance is suitable for those who want life insurance coverage while planning for long-term financial goals, such as education or retirement. However, it’s important for customers to understand the investment risks to ensure this product truly aligns with their needs and financial profile.
A portion of the funds in a PAYDI policy can be withdrawn in accordance with the terms of the policy issued by the insurance company. However, withdrawals early in the policy term may affect your cash value and the coverage benefits you receive.
PAYDI insurance products generally offer customers the flexibility to add supplementary benefits, such as health or critical illness coverage. With this feature, you can adjust/customized your coverage to changes in your life circumstances and your family’s financial situation.
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