Prime-Link Optimum Protection (POP)

Excellences of Prime-Link Optimum Protection

Benefits of Prime-Link Optimum Protection¹

1. Death Benefit¹
   Life protection until the age of 99 years equal to 100% of Insured Amount.

2. Accidental Death Benefits

   • Maximum benefits equal to 200% of Insured Amount in the event of risk of death due to accident up to age of 70 years.
   • Maximum benefits equal to 300% of Insured Amount in the event of risk of death due to accident in public transportation until the age of 70 years.
3. Investment Benefits¹
   Equal to Account Value² which is formed from the invested premiums (Basic Premium and Top-up Premium, if any).

Additional Insurance³

• Critical Illness:
  Insurance coverage for 32 Critical Illnesses or dead due to any cause which is not excluded in the policy, with benefit value equal to 100% of Critical Illness Sum Assured.
• Severity Critical Illness:
  Insurance coverage for 32 Critical Illnesses, including Angioplasty, which will be paid based on the level of Critical Illness with amount of Critical Illness Benefit up to 200% of Severity Critical Illness Sum Assured.
• Multiple Critical Illnesses:
  Insurance coverage for 33 Critical Illnesses, including angioplasty, which can be paid up to three Critical Illnesses, with amount of Critical Illness Benefit up to 350% of Multiple Critical Illness Sum Assured.
• Critical Illness 7:
  Insurance coverage for 7 Critical Illnesses with benefits value 100% of Critical Illness 7 Sum Assured.
• Critical Illness 33:
  Insurance coverage on 33 Critical Illnesses including angioplasty with benefits value 100% of Critical Illness 33 Sum Assured.
• Hospital & Surgical Plus:
  Comprehensive worldwide health insurance protection with Inpatient Benefits, Surgery Benefits, Medical Benefits and Outpatient Benefits.
• Hospital Income:
  Insurance protection with Daily Cash Benefits if the Insured and/or the Additional Insured (Insured main families) are undergoing Hospitalization due to illness or injury.
• Waiver of Premium (TPD + CI):
  Insurance protection which provides Premium waiver if the insured experiences Total Permanent Disability or diagnosed by Critical Illness.
• Spouse Waiver (TPD + CI):
  Insurance protection which provides Premium waiver if the Policyholder (Insured husband / wife) died, suffered Total Permanent Disability, or diagnosed by Critical Illness.
• Payor Waiver (TPD + CI):
  Insurance protection which provides Premium waiver if the Policyholder (parents/grandfather/grandmother Insured) died, suffered Total Permanent Disability, or diagnosed by Critical Illness.
• Personal Accident:
  Insurance protection if the Insured Dies or suffered Permanent Disability due to accident.
• Payor Term:
  Protection of Policyholders life (parents / grandparents / grandparents Insured) for insured children.
• Premier Hospital & Surgical:
  comprehensive health insurance coverage with a first-class care to age 80 years.

Investment Fund Options:

The entry age of Prime-Link Optimum Protection:

Currency:

Rupiah (IDR)

Basic Premium:

Premium Allocation:

Charges⁴:

• Acquistion Cost:

  1st policy year	70% of Annual Basic Premium
  2nd policy year	0% of Annual Basic Premium

• Top Up Fee: 3% from Top Up Premium

• Investment Management Fee:

  Name of Funds	Investment Management Fee (per year)
  IDR Prime Equity Fund	1.0%
  IDR Prime Fixed Income Fund	0.6%

• The cost of insurance
  is applied since the Effective Date of Policy and depends on age, gender, smoking status, Sum Assured, and Top-up Sum Assured.

• Administration cost is:

  Policy year (TP)	Administrative Costs (IDR)
  TP < 10 years	27,500
  TP >10 years	15,000

• Policy Management Cost of 3.5% per year of Basic Premium Account Value shall be charged only during the first 7 year of the Policy.
• Policy Reimbursement Cost shall be charged at the time you redeem the 7 years of first Policy.
• Switching Cost shall be charged on the transferred funds. Free of transfer charge for 1 (one) early transfer transactions annually.
• Premiums Holiday Fee shall be automatically charged in accordance with the repayment period of the policy conducted in accordance with applicable regulations. Premium is already include and commission to the Bank.

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Product Summary

Free-Look Period

• The termination during Free Look Period for Prime-Link Optimum Protection is 14 calendar days since the issuance date of the Policy. During the free look period, the investment fund shall be located to IDR Money Market Fund. In the event the Policy is terminated during Free Look Period by the Policy Holder, PT. AIA will returns the Premium after being deducted with Free Look Administration Cost (consist of Policy issuance cost and medical examination cost, if any). After Free Look period, the invested fund would be allocated to the fund option chosen by Customer as stated in the application.
• In the event the Policy is terminated by the Policy Holder during 15-30 calendar days since the issuance date of Policy, PT. AIA will returns the formed Account Value, Acquisition Cost, Top-Up Fee, Policy Reimbursement Cost, Administration Fee, Cost of Insurance and Policy Management Cost upon the prevailed Policy.