Care Protection Link

Care Protection Link gives you guaranteed maximum life assurance protection up to the age of 100.

Additional benefits

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Accidental Death & Disablement Benefit (ADDB), including death, total disablement and permanent disablement as a result of accident.

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Total Permanent Disability (TPD) resulting from illness or accident.

Payor Benefit/Spouse Payor Benefit lets the Policyholder or the Policyholder's.

Spouse enjoy a premium holiday if the respective party is diagnosed with any one of 49 (forty-nine) critical illnesses or dies.

Critical Illness Protection if the Policyholder is diagnosed with any one of 49 (forty-nine) critical illnesses.

Daily Cash Benefit should the Policyholder undergo surgery or is hospitalized.

Medical Assistant provides benefits to customer who traveling more that 100 km from residence or overseas i.e. Evacuation and repatriation, medical information and medical assistant for 24 hours worldwide, emergency cash fund for medical and etc.

Benefits of flexible investment

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Smartlink Rupiah Money Market Fund
Offers protection on the value of the principal capital while maintaining liquidity for the investor. Funds deposited in Rupiah are invested in short-term high-quality instruments such as deposit accounts, government bonds, mutual funds and fixed-term obligations up to one year.

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Smartlink Rupiah Fixed Income Fund
Provides a stable income as well as long-term financial protection. Funds deposited in Rupiah are invested in short- and/or mid-term instruments such as deposit accounts, government bonds or mutual funds and long-term instruments such as obligations.

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Smartlink Rupiah Balanced Fun
Offers long-term financial growth while yielding a stable income. Funds deposited in Rupiah are invested in short- and/or mid-term investments such as deposit accounts, government bonds and mutual funds, as well as long-term instruments such as obligations and shares.

Smartlink Rupiah Equity Fund
Offers long-term fund growth through capital investment in shares, both directly and through mutual funds

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Smartwealth Equity IndoAsia Fund
Offers maximum investment returns through direct investment in Rupiah. To achieve the investment goals, this fund is invested in instrument shares at a maximum of 20% (twenty percent) of Asia Pacific (excluding Japan) and a maximum of 80% (eighty percent) in Indonesian shares (both directly or indirectly through mutual funds).

Your Care Protection Link policy may be owned by you or a family member aged between one month and 70 years. The Policyholder must be aged 18 or over.

Choose the period of premium payment that is best for you, and make sure that you maintain regular payments into your Care Protection Link account. The longer you pay the premiums for, the more your investment will grow.

You may choose to make affordable regular premiums monthly, tri-monthly, bi-annually or annually. You can even combine your regular payments with periodic top-ups to maximize the value of your investment. Top-Up payments are free of all charges for the first two years.

You can make a single charge-free top-ups whenever you like, to add to the value of your investment.

No administration fees are charged for the first 12 months.

You may transfer your investment funds or change the proportion of your monthly payments allocated to each investment, whenever and as often as you like

Customer (Party Insured)

:

Male, age 35

Amount Deposited

:

Rp. 20 million per annum, comprising Rp. 10 million from regular Premium payments and Rp. 10 million in periodic Top-Up payments

Payment Period

:

10 years

Insurance Protection Benefit:

Death

:

Rp. 250 million

Death or Disability

:

Rp. 250 million

Total Disability resulting from vehicle accident (ADDB)

Total Permanent Disability (TPD)

:

Rp. 250 million

Payor Benefit for Regular Premium Payments and Top-Ups

:

Rp. 20 million per annum

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The assumption of 12% return per annum is not guaranteed and is subject to change from time to time, in line with the investment performance of the insurance company.

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*Investment Value is not guaranteed; it can increase or decrease depending on the performance of the investment plan chosen by the Customer/Policyholder, and is not free of investment risk. Past performance is no indication of future performance.

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**Death Benefit is benefit that is payable when the Insured person dies

This illustration is not binding, and does not in any way constitute a guarantee of insurance or any part of the policy. The right and obligations of the Policyholder and/or the Insured party and the terms and conditions relating to this product are set out in the policy document. A more comprehensive illustration of premium payable, sum insured, investment value assumptions and more is included in the proposal document.