Dreamcareinvest

Why Dreamcareinvest?

Dreamcareinvest offers protection benefits for dependents until you reach the age of 100. Dreamcareinvest will pay up to 100% of the sum insured to your next of kin in the event of your death, although you have already completed the payment period years previously.

Program guarantee will continue in the event of critical illness
10% bonus for every investment made, from the third year onwards
Short investment period (5 to 10 years)
Freedom to determine your choice of investment in line with your goals and risk profile.
Flexibility to change the value of your investment

Investment Fund Management

To realize your goals and dreams, Dreamcareinvest offers the following type of investment:

	SmartLink Rupiah Money Market Fund
	Offers protection for the capital value and safeguards liquidity. Rupiah-denominated funds are invested in high-quality short-term instruments such as deposit accounts, promissory notes, capital markets mutual funds and obligations with a fixed period of less than one year.
	SmartLink Rupiah Fixed Income Fund
	Offers a stable income and provides capital protection over the long term. Rupiah-denominated funds are invested in short-term and/or medium-term instruments such as deposit accounts, promissory notes or mutual funds, and long-term instruments such as obligations.
	SmartLink Rupiah Balanced Fund
	Offers long-term capital growth by realizing a steady income stream. Rupiah-denominated funds are invested in short-term and/or medium-term instruments such as deposit accounts, promissory notes or mutual funds, and long-term instruments such as obligations and shares.
	SmartLink Rupiah Equity Fund
	Offers long-term capital growth through direct investment in shares, or indirect investment in shares via a mutual fund.
	SmartLink Dollar Manage Fund
	Offers a stable income and provides capital protection over the long term.Dollar denominated funds are invested in short-term and/or medium-term instruments such as deposit accounts, promissory notes or mutual funds, and long-term instruments such as obligations.
	SmartLink Equity IndoAsia Fund
	Offers maximum investment returns through direct investment in Rupiah. To achieve the investment goals, this find 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).

Single & Newly Weds

	An emergency event could involve your sudden death, depriving your family of the benefits of a regular monthly income.
	A lengthy illness could wipe out years’ worth of accumulated savings.
	An accident caused by any multitude of reasons could prevent you from returning to work.
	If you die, leaving others with a hefty unpaid hospital bill, where will your loved ones find the money to pay it? Will your heirs find themselves forced to sell the assets you intended to leave to them?
	If your income suddenly dried up, for whatever reason, how long would your family be able to keep up with the monthly bills? And what would happen when the money ran out?

Good planning today will help protect you, your immediate family and everything that is dearest to you. Life assurance offers tax-free benefits that can be used to settle family obligations or invested to provide a regular income for your family in the future.

Illustration

Linda, aged 45, starts an investment and protection program. By paying a premium of IDR 25,000,000 per annum for ten years, she will earn a return of IDR 250,000,000 plus the value of her investment.

The following illustration shows how*:

HSBC

Fund Value = Net total number of units (after tax) X price per unit
*assumes 12% return on investment (not guaranteed)

Note:
If Linda is diagnosed with any one of 38 critical illnesses, she will receive IDR 125,000,000, and Allianz will continue to pay the premiums at the same value until Linda reaches 64 years of age.

Guaranteed Benefits
- Cash payout on premium holder’s 55th birthday                   IDR     359.560.000,- or
- Cash payout on premium holder’s 65th birthday                    IDR    985.389.000,- or
- Cash payout on premium holder’s 70th birthday                  IDR 1.642.063.000,-

Family Benefit
Death benefit IDR 250,000,000 + value of original investment

Available riders

1.	Accidental Death & Disablement Benefit (ADDB)
2.	Critical Illness Plus
3.	Critical illness Accelerated
4.	Total Permanent Disability (TPD)
5.	Total Permanent Disability (TPD) Accelerated
6.	Payor Benefit Basic and Payor Benefit Top Up Periodic
7.	Payor Protection Basic and Payor Protection Top Up Periodic
8.	Spouse Payor Benefit Basic and Spouse Payor Benefit Top Up Periodic
9.	Spouse Payor Protection Basic and Spouse Payor Protection Top Up Periodic
10.	Flexicare Family
11.	Medical Assistant

Allianz - a brief overview

Allianz is a leading global insurance and financial services company established in Germany in 1890. Today the company has operations in over 70 countries and employs more than 177,000 people worldwide. Allianz has over 60 million customers, from multinational companies to private individuals. A large portion of our customer base is comprised of Fortune 500 companies.

Allianz first established a representative office in Indonesia in 1981. Since then the company has grown to become one of the largest joint venture insurance companies in the country, operating under two entities, PT. Asuransi Allianz Utama and PT. Asuransi Allianz Life Indonesia. Allianz Life, established in 1996, offers life assurance, health insurance, pension plans (DPLK) and syariah-based insurance. Allianz Life provides agency services to over 6000 financial consultants, and has 80 sales offices and outlets in over 40 cities.

Disclaimer

Investing in any capital market instrument carries risk. A fund's performance is not guaranteed, and income from any fund may change or be reduced. Past performance is not a reliable indicator of future growth. A full explanation is provided in your Insurance Policy.

Dreamcareinvest is an insurance product with investment elements issued by PT. Asuransi Allianz Life Indonesia. Unit Link Insurance is an insurance product and NOT a bank product, and is thus not guaranteed by HSBC and/or any member or members of HSBC Group (HSBC Holdings Plc and its subsidiaries and associate companies or any one of their branches), and is NOT included in the government's loan guarantee program or deposit guarantee program. HSBC accepts no responsibility for any insurance policy issued by PT. Asuransi Allianz Life Indonesia associated with the Dreamcareinvest program outlined herein.

Use of the HSBC logo is subject to the approval of HSBC as a symbol of cooperation between HSBC and PT. Asuransi Allianz Life Indonesia for the express purpose of offering the Dreamcareinvest products outlined herein. HSBC is neither an agent of PT. Asuransi Allianz Life Indonesia nor a broker of any HSBC customer. Any use of HSBC's corporate logo in relation to any Unit Link product is purely an indication of the marketing cooperation between HSBC and the insurance company offering the Unit Link program.

For full details of benefit, please refer to the Dreamcareinvest policy provided.

For full details of applicable charges, please refer to the Dreamcareinvest policy provided.

For further information, please contact HSBC Phone Banking Services

Next steps

For Personal Customer:
(+6221) 5291 4722
0804-1-86-4722
64722 (from mobile phone)
For Corporate Customer:
(+6221) 2551 4777
0807-1-86-4722
Locate HSBC Branch