Mahacita Protection

1. Allocation of Funds for Investment starts from the first year of the Policy at 60% Basic Premium and 100% Basic Premium in the second year of the Policy and so on.
2. Loyalty Bonus if you pay Basic Premium payments and as long as the Policy is active.
3. Flexibility of Insurance Period, with an option for extending the Insurance Period until you are 100 years old.
4. The Policy is guaranteed active for the first 5 years of the Policy even though the Investment Value is not sufficient to pay for the costs incurred, T&C applies according to the provisions in the Policy.
5. Various additional insurance options to suit your needs.

MahaCita Protection provides options of additional insurance, such as:

1. Maha Critical Illness (CI) Plus and Maha CI Plus 85
   Protects you if you are diagnosed with one of the 44 types of Critical Illness up to the age of 65, without reducing the Basic Insurance Coverage. Additional Insurance Period for this critical illness is available in 2 insurance period options: until you turn 65 years old and 85 years old.
2. Maha CI Early Care
   Provides Additional Insurance benefits: 50% of the Sum Assured of Maha CI Plus along with other additional benefits, if you are diagnosed with one of the 32 early-stage Critical Illnesses that are insured and before you turn 65 years old. Other additional benefits include Early Diagnosis Benefit of IDR 10 million, Monthly Treatment Period Benefit of IDR 3 million per month for 1 year, along with an annual Recovery Benefit of IDR 3 million per year for 5 years, which will increase by 15% per year.
3. Maha Waiver of Premium Plus (WoPP)
   Waiver of payment of Basic Premium and Periodic Top Up Premium (if any), if you have Total and Permanent Disability or you are diagnosed with one of 43 Critical Illnesses before you are 65 years old.
4. Maha Accidental Death Benefit (ADB)
   Provides Additional Insurance Benefits of 100% of the Sum Assured in the situation that you die due to an Accident.
5. Maha Parent Payor (PP)
   Waiver of Basic Premium payments if the Policyholder (your parent) experiences Total and Permanent Disability or is diagnosed with one of the 43 Critical Illnesses or dies before the Policyholder turns 60 years old.
6. Zurich H&S Max
   Providing additional health protection with a choice of various plans, including treatment with cashless or reimbursement facilities such as: reimbursement of hospitalization costs, surgery costs with or without hospitalization, refunds due to reduced room costs from the selected plan, reimbursement of treatment costs roads and teeth due to accidents. With additional premiums, you can choose selected benefits from Zurich H&S Max; 10 MCMB Protection for one of the 10 types of Critical Illness covered, or Extra additional Annual Benefit Limits from certain Plans for 1 (one) Policy year.

Complete terms and conditions refer to each Special Additional Insurance Policy.

There are 5 types of investment funds to choose from, according to your investment profile and goals, including:

1. ZurichLink Rupiah Money Market Fund aims to provide a relatively stable rate of return on investment through investment in money market instruments.
2. ZurichLink Rupiah Fixed Income Fund aims to obtain medium to long term capital growth by actively managing the portfolio in fixed income securities and money market.
3. ZurichLink Rupiah Flexible Fund aims to obtain long-term capital growth through dynamic portfolio management, through money market investment instruments, fixed income and stocks.
4. ZurichLink Rupiah Equity Invest Fund aims to obtain long-term capital growth by actively managing the portfolio of equity securities and time deposits.
5. ZurichLink Rupiah Amani Equity Fund aims to obtain long-term capital growth by actively managing the portfolio of sharia equity securities and sharia time deposits.

For further information regarding Investment Funds, please look through the Zurich website page referring to the Zurich Fund

• Insured Entry Age: 15 days – 65 years (based on last birthday).
• Policyholder Entry Age: 18– 99 years (based on last birthday).
• Coverage Period: 20 years.
• Sum Assured: minimum of IDR 100,000,000 or 5 times the value of the basic premium, whichever is higher.
• Basic Premium: minimum of IDR 4,000,000 per year.
• Periodic Top Up Premium: minimum of IDR 1,000,000; maximum of 2 times the basic premium value.
• Single Top Up Premium: minimum of IDR 1,000,000.
• Premium Payment Frequency: Annual, 6 months, 3 months, or monthly