Prime Family Treasure (PFT)

Protect what matters most.

Protect what matters most.

Family is the most important thing in our lives. Make your day more joyful and pleasant with your family by preparing a life protection for you and your family assurance, in the case unexpected things arise and you may no longer provide financial support for your family.

PRIME FAMILY TREASURE is a traditional insurance product from PT. AIA Financial ("AIA") which provides a complete protection benefits until 99 years old to ensure you and your family's future are properly protected from any possibilities.

Product Info

Excellences of Prime Family Treasure1

Lifetime Protection

You will receive life insurance until the 99 years old, with fixed amount of premium payment for 10 years only.

Complete Protection

You will receive a variety of benefits should you experience one of the risks of Died, diagnosed Critical Illness, Terminal Illness2 or Total Permanent Disability.

Monthly Allowance Benefits is 2% of Sum Assured for 60 months

Total Insurance Benefits is more than 220% of Sum Assured


1 Terms and conditions are completely defined in the Policy.

2 Terminal Illness: End-stage Disease condition that causes a person's life expectancy becomes less than 6 months.

Benefits of Prime Family Treasure1

Sum Assured (SA)

You shall receive SA payment if you experience one of the following risks:

  1. Death
    100% of SA shall be paid to Beneficiary if you pass away in the Period of Insurance.
  2. Critical Illness
    100% of SA shall be paid to you if you are diagnosed any of 33 types of Critical Illnesses including Angioplasty (specifically for Angioplasty will be paid maximum 10% of SA or IDR100 million, whichever is smaller).
  3. Terminal Illness2
    100% of SA shall be paid to you if you are diagnosed Terminal Illness.
  4. Total Permanent Disability
    100% of SA shall be paid to you if you are diagnosed Total Permanent Disability by the Doctor.

Monthly Allowance

Death in the Period of Insurance, the beneficiary shall receive monthly allowance of 2% of SA for 60 months.

Waiver of Premium

You shall be waived from Premium payments should you diagnosed Critical Illness, Total Permanent Disability or Terminal Illness.

Policy End Benefits

When you attain the age of 99 years and the Policy is still valid, 220% of SA paid is reduced by Critical Illness Benefits or Terminal Illness Benefits or Total Permanent Disability Benefits which have been paid previously.

Non-Guaranteed Annual Additional Benefits

Some amount of money (if any) shall be paid on each Policy anniversary.

Non-Guaranteed End Policy Additional Benefits

Some amount of money (if any) which is paid when the policy ends and have passed the 10th year of the Policy.

Terms of Application of Prime Family Treasure

  • Life Insured: Age of 18 - 55 years old. Policy holder: minimum start on Age 18 years old.
  • The Minimum of Sum Assured is IDR100 million.

All fees charged to the Customer will be referred to the provisions of Policy Prime Family Treasure including but not limited to, transfer fee, provision cost (if any), cost of free-look administration (if any), cost of medical check-up (if any) and cost of policy loan (if any).

Claims submitted directly by the Customer to PT. AIA FINANCIAL as the Insurer.

Get It Now!

You just have to come to our branch to get further details about Prime Family Treasure.

Free-Look Period

30 days from policy issuing date. Terms and conditions of free-look period are defined in the Policy.

Procedure of Submission

The procedures and the terms & conditions of Insurance Product Submission

To submit your insurance product application, you need to complete and provide the following documents:

  1. Insurance Company's Application Form;
  2. Valid ID card;
  3. Benefit Illustration; and
  4. Other supporting documents.

Insurance product submission will be considered as a complete submission if all the terms and conditions are fulfilled and AIA as the Insurer has received the first premium payment as one of prerequisite of policy issuance and validity.

Illustration Example

Example of Benefit Illustration:

Mr. Indra (Male, 35 years old, non-smokers) buys insurance product Prime Family Treasure with details as follows;

  • Basic Premium: IDR58,500,000/year (for 10 years)
  • Basic UP: IDR500,000,000

Scenario 1: Benefit Total Permanent Disability

If Mr. Indra had an accident at age 38 years old and suffered Total Permanent Disability condition, he will receive Total Permanent Disability benefit at Sum Assured ("SA") amount: IDR500 million and Mr. Indra will be waived to pay the premium until the 10 of policy years.

Life insurance protection for Mr. Indra will be continuing until he reaches Age 99 years old (the rest of 120% Sum Assured amount if he died will be paid in the form of Monthly Benefit Compensation to the Beneficiary for 60 months with total amount IDR600 million along with accumulation of non-guaranteed additional yearly & non-guaranteed termination benefits).

Scenario 2: Benefit Critical Illness

If Mr. Indra diagnosed one of Critical Illness (Angioplasty) at 37 years old, then he will be received Critical Illness benefit (Angioplasty 10% SA): IDR50 million and Mr. Indra will be waived to pay the premium until the 10th policy years.

Due to Mr. Indra did not taking care of his health, at age 50 years old he suffered heart-attack, and he received the Critical Illness benefit at amount IDR450 million (the rest of 90% SA Critical Illness Benefit).

Later on, life insurance protection of Mr. Indra will be continuing until he reaches 99 years old (the rest of 120% SA in case of he died, will be paid in the form of Monthly Benefit Compensation to the Beneficiary for 60 months with total amount IDR600million along with accumulation of non-guaranteed additional yearly & non-guaranteed termination benefits).

Scenario 3: Benefit Terminal Illness

When Mr. Indra reached 68 years old, he suffered Terminal Illness, and he will receive Terminal Illness benefit at 100% SA: IDR500 million.

At the less than 6 months later (at age 69 years old), Mr. Indra passed away, the accumulation of non-guaranteed additional yearly benefit (if any) and non-guaranteed accumulation maturity benefit (if any) will be received by the beneficiary, besides the Monthly Benefit Compensation (with amount of 2% SA for 60 months equivalent IDR 10 million per month or total amount IDR600 million) to support the beneficiary's cost of living when Mr. Indra cannot support anymore.



Changes in economic conditions and political stability in Indonesia can affect the performance of firms; both are listed on the stock exchange and the company that publishes money market instruments and securities. Change interest rate, exchange rate fluctuations, changes in macroeconomic, and laws and governmental regulations in the field of finance, capital markets, money markets, banking /or taxation can affect investment performance.


Policyholders will be exposed to the credit risk of PT.AIA FINANCIAL as selector's risk of insurance products. Credit risk relates to the ability to pay obligations PT. AIA FINANCIAL Indonesia to its customer. PT. AIA FINANCIAL has managed to maintain its performance to exceed the minimum capital adequacy is determined by the Government.


If the policy cancelled by the policy holder and found the unsuitable information with the actual condition and situation, cancelled in terms of FACTA regulation, or cancelled as requested written by customer, then customer will be received paid Redeem Policy Cancellation. Redeem values calculated based on Present Value and accumulation Additional Benefit Unguaranteed (if available). Present Value is amount of money that will be paid to the customer refer Table of Present Value Prime Family Treasure as written in Policy.

If customer's cancellation Policy occurs due to Free Look, the customer will receive a refund Premium after deducted by Administration Free Look cost.



Insurance product offered is a product of PT. AIA FINANCIAL, Citibank's Insurance Partner. This product is NOT savings, NOT bank deposits, NOT obligation and NOT guaranteed by Citibank, N.A ("Citibank"), Citigroup or its affiliates. Insurance product is not included as an object of Deposit Guaranteed Program (Lembaga Penjamin Simpanan/LPS). Product distributed by Citibank is marketing arrangement between Citibank and PT. AIA FINANCIAL and it does not entail that the insurance product is Citibank's product.

Policyholders are exposed to credit risk PT. AIA FINANCIAL. This means that the insurance policy is subject to the risk that PT. AIA FINANCIAL may become unable to pay any amounts due under the policy. In such cases, the entire insured amount and any other amounts due under the policy may come under risk of complete or partial loss.

The full details of the product benefit, terms and condition, are provided in policy issued by PT. AIA FINANCIAL. Citibank accepts no responsibility for any insurance policy issued by PT. AIA FINANCIAL in relation to the insurance product. Buyer of insurance product must read and follow the terms and conditions of policy.

There are certain conditions whereby the benefits under the plan will not be payable. These are stated as exclusions in the policy contract. You are advised to read the policy contract for the full list of exclusions.

You should seek advice from a qualified adviser if in doubt. If you choose not to, you will have to take sole responsibility to ensure that this product is appropriate to your financial needs and insurance objectives.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid.

Citibank, Citigroup, Inc., its affiliates and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citibank, Citigroup, Inc. and its affiliates. This document is not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

The offered insurance products as marketing arrangement between Citibank and PT. AIA FINANCIAL have been reported and/or obtained a confirmation letter and/or obtained an approval from Financial Services Authority (OJK) and related authorized institutions accordance with the prevailing regulations.

Citibank N.A., Indonesia is a bank that is licensed, registered and supervised by the Indonesia Financial Services Authority (OJK).